vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Recently, I did an investigation on my report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Recently, I did an investigation on my report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2023 Equifax dropped my credit score XXXX points because I paid my XXXX bill down by {$40.00}. 

Why would my credit score drop if made payment on my account? 

Please explain to me and Consumer Protection Financial Bureau how you dropped my credit score by XXXX points for making a payment on time?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Shortly after the time of this occurrence XX/XX/2018 a representative at American Express said not to worry about it and it will be taken care of in about 30days. Years later it was never taken care of at all! 
A police report was attempted to be filed but because the occurrence was on a XXXX XXXX XXXX line, they said it was out of their jurisdiction and it was nothing they can do about it! 
Card number : XXXX The amounts were charged in increments of $ XXXX getting up to {$28000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I reached out to this company XXXX several times over the course of the past 6 months trying to explain to them that this is not my account. I told them I filed proper documentation for the fraud complaint. I explained to them that my information & also my phone was lost while I was in the hospital following XXXX XXXX. I expressed to them that I am a veteran who believes in their honor & I have maintained great credibility & credit scores now this fraudulent activity that occurred is ruining my not only my reputation but my credit & my family life. I have proof from another company that fraudulent account was opened & they reviewed information & closed the account. XXXX keeps sending me letters saying its me when its not in their most recent letter they included a number in the statement that I have never used or had not to mention Im not even sure whats a ( XXXX ) area code. This is really starting to get frustrating & Im dealing with health issues & mental health issues because of this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
As per my previous letters dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I have diligently submitted supporting documentation ( including my bank statements dated XXXX of total payments made in full ) to substantiate the discrepancies found on my credit report. Regrettably, the bureau 's responses have consistently claimed that the information has been verified as accurate, without providing any proof of who and how they verified the information or the representative 's response in writing, as I have repeatedly requested in the past XXXX letters. I've waited XXXX months since the date of my last request ( XX/XX/XXXX ) for a reinvestigation response and written notice and no reply was given in writing. 

The bureau is reporting the following inaccurate, unfair, unduly, incomplete, obsolete, and erroneous information on my credit report and MUST be DELETED due to repeated inconsistent and inaccurate information being reported. # 1 : Inaccurate Balance and Terms Reflected ; # 2 : Multiple monthly " Charge Offs '' CAN NOT be reported for a single Charged Off account. 

The bureau is in violation of 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-s2 ( a ) ( 1 ) ( A ) ; ( 2 ) failed to promptly update and correct information furnished to CRAs and determined was not complete or accurate in violation of 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s2 ( a ) ( 2 ), 623 ( a ) ( 5 ) of the FCRA, and15 U.S.C. 1681s2 ( a ) ( 5 ) ; and the bureau failed to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information provided to CRAs in violation of Regulation V, 12 C.F.R. 1022.42 ( a ). These violations of the FCRA and Regulation V also constitute independent violations of the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ). Under 1053 and 1055 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5563, 5565. 

I've reiterated my rights as a consumer under the FCRA : 1. The right to have accurate and up-to-date information reported by your agency. 
2. The right to removal of disputed inaccuracies and errors on my credit report.

3. The right to a thorough and fair investigation of my disputes.

4. The right to add a statement to my credit file, which I have requested repeatedly. 

I have requested, in writing, further details of the reinvestigation on several different occasions from them, with no proper response, if any, acknowledging or providing the requested information in writing from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
Loss my XXXX job due to XXXX, because I was in XXXX  for over a month. I asked Wells Fargo for a modification before foreclosure, but instead they quadrupled my payment. I don't get enough money from my XXXX to pay a {$2400.00} house payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: RI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was called by Bank of America on Saturday, XX/XX/XXXX. I was told that there were fraudulent transactions from my XXXX account and to fix this i needed to enter a code into XXXX and send to an address " XXXX '' with a code that was sent to me. They also sent me many text codes from the Bank of America site via text to prove they were the bank. I sent XXXX codes to this address in XXXX for XXXX and XXXX. I had lost my wallet the day before so thought this was Bank of America calling me with a fraud alert. After I completed this, the person instructed me to open a new XXXX account at XXXX XXXX to ensure my accounts were safe. I did this but we did not complete any further activity. They said they will call me back tomorrow at XXXX.

When I told my daughter about this after the call she immediately told me this is a scam and I called Bank of America and confirmed this was a scam and money was removed from my account. I reported the fraud/scam to Bank of America .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Greetings. Last XX/XX/XXXX I started receiving letters from Citibank saying that there was a problem with my mother 's address ( this is a conjoint account, where I am the primary holder ). I called the number provided and also contacted my branch manager in XXXX XXXX XXXX XXXX XXXX XXXX XXXX I provided the required documents. They said all was fine. 
Then, last month I could not pay a credit card using this account. I did not know why. Then the same week I received a letter saying that the account had been blocked. However, I had complied with the rules the letter mentioned. It states that an account can have a mailing address AND a physical address ( residential or business ). 
That is the case of all my accounts. In this particular XXXX XXXX, that was confirmed the month before ( XXXX ) by several calls to Customer Service and XXXX XXXX. However, on XX/XX/XXXX, after I received the letter XXXX suddenly said that I can not have a mailing address different from the residential one, denying my right of privacy. 
But in fact, based on what the Citibank letter says, there is no reason for this account to be blocked, causing me and my old mother stress and late payments in her credit cards. 
Citibank must reactivate my account immediately. After that phone call ( XX/XX/XXXX ), XXXX said she was going to call me back the same afternoon. She did not, just sent an email saying she had transferred me to another branch. That is rude and unprofessional. At the moment the account is still blocked, as my mother is traveling. This is outrageous. We had followed the rules, I have been with Citibank for 29 years in 3 countries. But from XXXX the service hasgotten worse and worse. It seems discrimination, like they are trying to get rid of me. Does the CFPB allow this kind of behavior? I hope not. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I hope this letter finds you well. I am writing to seek assistance from the Consumer Financial Protection Bureau regarding ongoing issues I have been experiencing with Experian, XXXX, and XXXX. Despite my repeated efforts to dispute late payments and incorrect information on my credit reports, I have encountered significant challenges in rectifying these errors. 
I believe that I have been subject to unfair treatment by these credit reporting agencies, as my attempts to correct inaccuracies on my credit reports have not yielded the desired results. I have diligently followed the procedures outlined by the credit bureaus, including submitting dispute letters and providing supporting documentation. However, my disputes have often been met with delayed responses or dismissive actions, resulting in continued inaccuracies on my credit reports. 
The inaccurate information on my credit reports has had a detrimental impact on my financial well-being, affecting my ability to secure loans, obtain favorable interest rates, and even secure employment. Despite my efforts to maintain responsible financial practices, these errors have unfairly tarnished my creditworthiness. 
I kindly request that the Consumer Financial Protection Bureau investigate my case and intervene on my behalf to ensure that Experian, XXXX, and XXXX rectify the inaccuracies on my credit reports promptly and in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that your organization is committed to ensuring fair treatment for consumers like me, and I trust that you will take the necessary steps to address this matter. Please inform me of any additional information or documentation you may require to assist in resolving this issue. 
I appreciate your prompt attention to this matter and your commitment to upholding consumer rights. I look forward to a timely resolution and the restoration of accurate information on my credit reports. 
Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
XX/XX/XXXX - When I got my used car from the dealership, I believe I was misled about the vehicle 's terms. 

When I turned in my XXXX XXXX, I was told one thing and given another. I was unaware that they were marking up the price of the car I was purchasing to devalue my trade-in value. My XXXX was valued at trade in at {$18000.00}. During the purchase the salesman never expressed the rate nor length of the note. I was only understanding what my monthly payment would be never explained how that payment was derived. I feel the tactics used by NEVER being made aware of the amount being financed and the total amount of the purchase price was predatory - the XXXX XXXX XXXX and the average sales price for the exact make and model I bought at the same time ranged from $ XXXX XXXX dollars. After reviewing my loan documents, I was appalled to find that the price of the vehicle I purchased was marked up to {$50000.00} after applying the trade-in and positive equity for the XXXX XXXX XXXX XXXX {$11000.00} after payoffs. I still ended up XXXX {$33000.00}. As of today I still owe {$26000.00}, putting my auto loan underwater and stuck with negative equity for years to come. 

In addition, when I bought the car, they said that the XXXX XXXX XXXX was included and that I just had to get it from the store. After calling the dealership XXXX and talking to multiple people, they finally told me that the XXXX XXXX  did not have this feature - after it was too late to return the car. As a minority woman, I feel like I was taken advantage of by being told a reasonable payment of 6 years added above the interest market rate when rates were near 0 % at purchase. I realize now that the purchase price was marked up on average {$15000.00} to {$20000.00} over the fair market price. When I went to discuss this with XXXX, I was dismissed and thought that there was nothing I could do until a financial advisor told me about this resource.

Company response to consumer: Closed with explanation