vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Social Finance, Inc.
State: PA

Complaint narrative:
I filed the dispute on XX/XX/XXXX with SoFi credit card of {$30.00} purchase. I was told by XXXX XXXX ( Dispute Operations ) I need to submit some of the documents. I sent her fax, emailed her twice, called her more than 20 times and left her voice messages. She never replied. She sent me a letter on XX/XX/XXXX and said she didn't hear back from me, so she closed the dispute investigation. 
XXXX XXXX Phone number : XXXX extention XXXX. 
email : XXXX Fax : XXXX Then I called SoFi customer service many times, but no one could help with the {$30.00} dispute.

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: EQUIFAX, INC.
State: AL

Complaint narrative:
I filed a letter not long ago addressing accounts that I have disputed and that can be seen in my credit file that are erroneous and inaccurate, and I am quite upset that they are still there. I do not verify such accounts, which is a violation of the Fair Credit Reporting Act 's US Code 1681 Accuracy and Fairness in Credit Reportin

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a victim of identity theft, i did not open/authorize the these accounts.

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 — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am a victim of identity theft, i did not open/authorize the these accounts.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2022, Transunion ONCE AGAIN VIOLATED MY RIGHTS AND I AM AT WITTS END. I sent a notice letting them know the information reporting on my credit file is inaccurate and I demanded a complete and thorough investigation of how they concluded the information they are reporting is true and accurate. A few days later, they ADDED YET ANOTHER INNACURATE NEGATIVE ACCOUNT to my consumer report without my written permission per 15 USC 1681b ( a ) ( 2 ). This account is from XXXX XXXX XXXX for {$120.00}, whom I have NEVER did business with. I don't owe anyone money and I am sick and tired of Transunion navigating as if they are above following the law.

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: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
XXXX XXXX Ohio has been trying to collect a debt that I know not to be mine. It has been passed along to various creditors that I have had to dispute each time. Reason given : My name appears under many addresses That I have not resided. The last creditor to take possession of this debt is : ONLINE INFORMATION SERVICES XXXX XXXX XXXX XXXX XXXX. 
XXXX NC. XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
They kept calling me and calling me about this debt I had. I knew I had it I just couldnt pay it times were very hard. But even tho things were still not so great I ended calling the collection agency they told me they would give me a deal and they would delete it from my report if I paid it that day. I did pay it and now they wont remove the collection mark on my report I asked them if they could since that was their promise they told me they cant do that. So Im left with no other choice than to make this complaint. I know it was a collection but I paid it. I paid my dues.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Back on XX/XX/2022, I sent Transunion a dispute letter to dispute the inaccuracies on my credit file. On XX/XX/XXXX, I received a response from Transunion that stated, I hired a credit repair company. 

Their is no law that states I can not hire assistance with helping my credit file. They failed to give me a full investigation of the accounts on my credit file.

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: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
Trident Access Management is on my credit report. I had to XXXX the number and it took several days for someone to finally pick up. I did not have a file or reference number because I never received any information about the debt so I did not know I owed. The customer service rep informed me that they sent 2 letters out. One letter was sent 2 years ago and the other 1 year ago. She confirmed it was sent to the wrong address. An address which I have never resided. They have never contacted me by phone or email either. Although she confirmed having the wrong info, they still will not verify the debt and it still remains on my credit report. They said they will not remove it even if I pay although they know I was never contacted about the debt. I believe this is unfair credit reporting when the wrong address was verified to me. It has been 3 weeks since correcting the address and they still have not sent any verification that would give me a chance to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
received a USPS mail from Truist Online Savings account statement stating there is a withdrawal of {$2700.00}. i am not aware of this company or account.

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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 — Card was charged for something you did not purchase with the card
Company: UPGRADE, INC.
State: NY

Complaint narrative:
Around XXXX XXXX XXXX I went to the gas station near my house, hours later, i received an email stating that there was a suspicious activity. Called them and was confirmed that my card was lost and that someone used my card at a XXXX in XXXX XXXXXXXX XXXX for around {$490.00}. They denied the claim because they stated that I had purchased at XXXX in the past. Their response is pretty much saying because I have had a relationship with the merchant in the past, it must be me who made the purchase. They didn't provide any documents that support any proof that I made the purchase.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains many errors. 
I request your investigation of the following " personal information ''. 
Please see the attached photo copy of my drivers license for your reference. 
For the record : 1. My name is : XXXX XXXX XXXX Please remove all other name variations IMMEDIATELY as they are not accurate! 
2. My current address is : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, FL XXXX Please remove all other addresses IMMEDIATELY as they are not accurate! 

Please delete these disputed items. Thirty ( 10 ) days constitutes a reasonable amount of time for investigation. Per the Fair Credit Reporting Act, send me notification that these items have been deleted, as well as an updated copy of my credit report.

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: CA

Complaint narrative:
XXXX accordance with Fair Credit Reporting act XXXX  The XXXX accounts listed below has violated my rights CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX accordance with Fair Credit Reporting act XXXXXXXX The XXXX accounts listed below has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: DISCOVER BANK
State: CA

Complaint narrative:
I am being reported to the credit bureaus for a XXXX late payments when I submitted my payment by XXXX XXXX XXXX. In fairness, I should only be getting reported for XXXX missed payment. 

I knew that it would not rectify both late payments, despite the error being based on my credit union 's stop payment on the XX/XX/XXXX payment. I had to put in a stop payment with my bank, XXXX XXXX XXXX XXXX XXXX, when I had accidentally paid the entire balance of {$2600.00} instead of a smaller payment of {$200.00} by pressing the wrong button on the app. The stop-payment was put in place by my bank, but I did not know that a stop-payment would be placed against the future payments I would make on the app. I received phone calls from Discover, but I had thought that these were telemarketers or frauds calling me to solicit products. It turned out that my {$200.00} payment for and subsequent {$95.00} payment ( XXXX and XXXX ) were returned by my bank, as well. 

I had asked the customer service representative at Discover if I could pay by XXXX and resolve the matter of the second late payment -- it was too late, in my opinion, to rectify the issue of the first late payment. I know at least XXXX late payment would be reported to the credit bureaus. He said yes. Under the impression that a wire payment would bring me up-to-date, I paid {$150.00} dollars, higher than what was required, on XX/XX/XXXX at XXXX PM, XXXX. I assumed that it had been posted THAT DAY. I checked with Discover on XX/XX/XXXX, and they said that it did not post, that sometimes XXXX and the like agencies do not POST the payment on the same day. 

I feel that this is unfair. I paid the money on the XXXX by wire, which should qualify as a same-day payment. Discover reps I spoke to said that because they can not guaranty that the merchant through which I sent the XXXX ( XXXX XXXX store ) might have been the problem, they could not call my payment as posted on XX/XX/XXXX. 

I have never encountered this problem with ANY payment to ANYONE before using XXXX. I paid my bill, and it should be counted as having made it in before the second billing cycle ended ( ending XX/XX/XXXX ). 

I wanted to ask for a leniency on this matter. One, I have been an excellent customer of Discover Card for years, and my credit is excellent, over XXXX points. One missed payment -- accidental, at that -- is bad enough, but TWO? It will wreck my credit, and for something I did not know was going wrong. If I can not get leniency on the first missed payment, they could at least acknowledge that I made the second one before the end of the billing cycle by electronic payment. What the merchant did or did not do was not my fault : I had paid the money before the end of the billing cycle. I even had printed proof of a transaction. This is UNFAIR.

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: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
I opened a Chase XXXX card with an annual fee of {$140.00} that lists 4 upgraded boardings as a benefit. I called Chase and asked how I use this benefit BEFORE I used it. I was told to just put the upgraded boarding on the card and it would be refunded the next month. I purchased my XXXX tickets for {$1200.00} and added early bird check in on XX/XX/2022. I was billed {$50.00} extra for the early bird check in. The next month the charge had not been removed. I called Chase and the first customer service person did not understand why it was not being removed so she transferred me to a supervisor. The supervisor read for a long time and then said there was some distinction between early bird check in and upgraded boarding. He said that I do have the benefit of upgraded boarding but not early bird check in, but even he didn't know the difference until he read in his manual. If I had a cheaper credit card with a lower annual fee, then I would have early bird check in. He agreed that the terms were confusing but said he had no power to reverse the charge or apply the upgraded boarding credits to the early bird check in. He said he would send the request to a person that could refund the {$50.00}. About 10 days later, on XX/XX/2022, I got a letter in the mail saying Chase was doing nothing. I tried to call Chase two more times on XX/XX/2022, was put on hold for over an hour, and ultimately disconnected. The terms for the benefits on this card are confusing. No employee at Chase even understands the difference in the two programs yet they continue to push these cards and take advantage of consumers. They force the customer to pay for the benefit, promise a refund, and then say, no, that wasn't the right program, even though their terms cause the confusion and their own employees don't understand the program or benefits. It is a complete bate and switch.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
some of the credit inquiries on my reports I dont recall like XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I definitely don't know or recall any of these inquiries. These ruin your credit and prevents you from obtaining more credit like leases, loans, mortgages and higher limit credit cards, preventing me to live a better life or to help the economy. 
And secondly they have an applied bank card on my report for 7 years stating that I owe {$1100.00} or something. I had owed just {$490.00} and 7 years ago, so according to the law of an act of a contract in new york after 6 years the contract is over, finished and not valid, and therfore have to be removed off my credit report. So both of these situatios the credit bureaus are 100 % guilty and in violation of privacy and consumer credit laws and should be prosecuted and fined and sued to the fullest extent of the law as they continue to XXXX the residents and citizens of United States. I've disputed these things at least 2 times and they either don't respond or doesn't provide any evidence against me. Please make them remove all negatives off my reports asap thanks.

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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have recently attempted to correct information the Transunion credit reporting bureau has on file against my name. I have tried many times, yet seem to not make any progress, I even called and was told that Transunion is not responsible for the correct information and that the credit companies can call on my information as they see fit needing nothing but an Authorized reason. 
I sent certified letters to Transunion asking for them to launch an investigation, the most recent on XXXX XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). again they reported that the information is correct, but did not provide any details of an investigation. 
I would like for Transunion credit reporting to correct their file on me and remove the information that is not correct.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: CO

Complaint narrative:
In 2019 I Co-signed on an auto loan for a vehicle with an ex boyfriend and assisted him with a {$2500.00} down payment. He has missed payments over the past several months and this has significantly dropped my credit score. I attempted to reach out to him via email to request that he refinance and take me off the loan. He has not responded. I also had a mediator reach out to him with no response. The terms with which we ended the relationship were dangerous and I am a single parent so I do not feel safe confronting him in person. He was removed from our home on a XXXX XXXX XXXX by law enforcement for XXXX XXXX XXXX XXXX. At the time I did not think to take the car even though my name is on it. I have contacted a lawyer about this issue and she recommended reaching out to the lender to assist with this because there is not much that can be done legally. I have attempted to call Truist Bank multiple times to request to speak with someone and I have not gotten a response.

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: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
They call multiple times and day I have already asked them to stop calling me

Company response to consumer: Closed with explanation