vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, Account # XXXX Account # XXXX Account # XXXX have 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 an 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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX, I made a payment of {$200.00} on my Bank of America credit card account ending in XXXX. The minimum payment due was {$160.00}. On XX/XX/XXXX, I made a payment of {$160.00}. the minimum payment due was {$150.00}. 

I have XXXX different types of balances : purchases at 14.9 % and cash advances at 24.99 %. According to Bank of America " Important Information About this Account '' on " How We Allocate Your Payments '', " payments are allocated to posted balanced. If you account has balances with different APRs, we will allocate the amount of your payment equal to the XXXX XXXX XXXX XXXX to the lowest XXXX balances first ( including transactions made after this statement ). Payment amounts in excess of your XXXX XXXX XXXX XXXX will be applied to balances with higher APRs before balances with lowers APRs. '' The XXXX ( ending XX/XX/XXXX ) and XXXX ( ending XX/XX/XXXX ) XXXX statements shows that Bank of America incorrectly applied the overpayment to the highest interest category. In fact, on the XX/XX/XXXX, the balance on the cash advance increased {$4.00} instead of decreasing by the amount of the overpayment, {$36.00} ). In fact, the balances between the interest calculation section and the Account Summary do not match.

There were no purchases and/or no fees between the payments. Bank of America has grossly misapplied overpayments on the account. 

Statements will not be attached as Bank of America will have copies of these statements.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am reporting about Equifax. Below are the issues in reporting : XXXX  XXXX Bankruptcy - never lived at address reported ( not my bankruptcy ), also is showing as not reporting on Equifax website, however showing when clicking on " print credit report '' XXXX - never lived at address reported ( not my account ) 2nd XXXX - duplicate account, never lived at address reported ( not my account ) XXXX XXXX - never lived at address reported ( not my account ) XXXX XXXX - reporting as currently open account, never lived at address ( not my account ) I have added pictures from the myEquifax portal as well as the report Equifax as when clicking on printing my report to back up what Equifax is reporting on their site and what I is being reported when I pull my credit report up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
In Accordance with the Fair Credit Reporting Act 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. 

15 U.S.C 1692C- States Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I prepurchased a ticket for a show in XXXX for my wife 's birthday along with her ticket. Morning of our 3 year ( now XXXX ) got sick and no one could watch her. We chose to all travel from XXXX to XXXX for the show and I stay at the hotel with our kid. I try to resale or refund the ticket with NO LUCK or any support from XXXX while I watch our toddler in another city. I open a support ticket with XXXX  again, no help. I dispute with Amex, no help. I contact XXXX  online, " Sorry for the inconvenience. Unfortunately, refunds are not permitted for this order. 
Thank you for your patience and understanding! 
-DE- '' I could not use the ticket due to the circumstances, resale the ticket or refund the ticket. 

Amex opened and closed a dispute in XXXX  's favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Upon receiving my credit report in the mail Mariner Finance , LLC has done an inquiry on me without my consent. Their address is XXXX XXXX XXXX XXXX XXXX, Md XXXX. Date of inquiry was XX/XX/2022 Please have this inquiry removed. Thanks in advance for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I downloaded the capital one shopping application, signed up for the rewards program, used the program/app to search for 2 items, and used the app through which I purchased the 2 items. The app promised 35 % back in rewards, see attachment of one of the items. I made the purchase through the app in the amount of {$750.00}, see attachment and would like the {$260.00} in rewards I was promised via the app. 

My issue is that I could have purchased the 2 items directly from the manufacturer who was having a 25 % off sale but, I chose to purchase the items at full price through Capital One Shopping due to the 35 % rewards offer. 

Now, Capital One is refusing to honor its offer and not crediting my account the 35 % which they advertised. I have been trying to resolve this issue since XX/XX/2022. I have been communicating with XXXX and XXXX of Capital One shopping for almost 3 weeks and they can not find any record of the transaction. Whether this is an internal glitch with the Cap One shopping app or malicious dishonesty and fraud is not my concern. My main issue is that these 2 items were purchased as gift, which have already been given. If I could, I would return the items and repurchase them at a lower price from the manufacturer but, that is no longer an option because the items have already been given as gifts. I am requesting that you hold Capital One accountable to their advertisement/offer and have them provide me with the 35 % in rewards, per the agreement- which comes out to be {$260.00}. 

I completed a transaction for {$750.00} with the Capital One Shopping application on my XXXX. Attached, please find a copy of the transaction confirmation in the Cap One Shopping app. Please note the 35 % tag in the top right part of the screen, the amount of the transaction, and the email I used as the username for the account. Capital One I didnt have any ad-blockers turned on and I have sent Cap One a screenshot of the transaction from their application showing that the transaction was completed and their 35 % rewards note at the top of the page. 

It's right there in black and white, evidence of the transaction in Capital One 's app and they still won't honor their rewards offer? Capital One spends millions of dollars advertising for new client acquisitions but, uses dishonest and deceptive practices for client retention. As I mentioned before, I'm just trying to get the rewards I was promised on their application which I used to purchase a {$750.00} gift at full price at XXXX XXXX ( through their application ) instead of purchasing the same items at a 25 % off sale on the manufacturer 's website. Their application has cost me money and I will continue with this matter until it is resolved. If you are unable to help me resolve this issue, please give me the contact information for someone who can.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had my purse lost a few years back and now I'm seeing things on my credit report that does not belong to me.. 
Each account is showing up as inquries and or closed accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX1

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Self Financial Inc.
State: FL

Complaint narrative:
There are charge offs on my credit reports. I need all of those charge off removed immediately. It shows that the accounts are paid off but those accounts never belonged to me anyways. there's an XXXX showing as well that needs to be removed i was NEVER ASSOCIATED WITH ANY OF THESE ACCOUNTS. I reached out to all parties year after year and still no removal. please remove all charge off accounts on all 3 credit bureaus. Code 15 USC 1681b Permissible Purpose states that anything reporting incorrect and fraudulently on my credit report MUST BE REMOVED ASAP. It is the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
In XXXX I purchased a XXXX vehicle for the purchase price of {$18000.00} financed through Santander Consumer USA. Ive made {$12000.00} and yet my remaining balance is {$17000.00} with the payoff amount {$19000.00}. The company has been sued by several states for predatory lending practices and has been required to offer customers some resolutions however when I contacted them they tell me I have no options but to continue make payments that dont go to the balance of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: IN

Complaint narrative:
I contested the following information included on the attached files with TransUnion and up until this day, they still hasn't responded to all the letters I mailed them. I tried multiple times to resolve this problem with them because I do not wish to pursue legal actions against them but they have been neglecting the duties mandated by the FCRA. This has caused me so much emotional and mental stress because they are degrading my credit rating by reporting erroneous information and preventing me to obtain the necessary credits amidst the pandemic. My credit rating and credibility has always been really important to me and I started researching about it and reaching out to people who might have an idea what to do and they referred me to your website. TransUnion has violated so many laws, the investigation results and status were not communicated to me. I explicitly requested verified documentation for the supposed information reporting on my credit file, but I have yet to get anything. Despite being disputed, there is still a lot of inaccurate information on my credit report. I was not notified about the investigation as well as the results so I'm not even sure whether or not they did the investigation. If they did, the errors on my credit report were not fixed despite their " investigation ''.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
An account named " SYNCBXXXX '' has shown on my credit since XX/XX/2020 stating that I am an " authorized user '' on the account. However, I am not an authorized user on any such account and I never have been. I believe my information has been added to this account either in error or by intentional fraud. I've disputed this with the creditor as well as the credit bureau. The creditor is unable to provide me any assistance on the account, since I'm unable to provide an account number or any verifying information. And the credit bureaus continues to verify the account as " accurate '' even though it absolutely is not.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, 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: MI

Complaint narrative:
this was not sent in error i am a consumer by law my information was used against my consent after i brought it into the company attention they still did nothing which by law they have to.

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 2022-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Financial Data Systems
State: FL

Complaint narrative:
I consumer XXXX is filing a complaint against company Financial Data Systems for reporting two alleged debts on my consumer report that I have no idea about. Financial Data Systems did not send me the consumer any communications regarding these alleged debts before reporting such negative remarks on my consumer report. Furthermore, the company Financial Data Systems has not validated this alleged debt pursuant to 15 USC 1692g. These alleged debts has damaged my consumer report where I am not able to get approve for a business loan for my business. My business i say family 's livelihood and Financial Data Systems putting my family at risk. I am demanding that Financial Data Systems delete these negative remarks from my consumer reports emediately.

Company response to consumer: Closed with explanation