vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I have a credit card with this company and the due date for this card is the XXXX of each month. The closing statement date is the XXXX of each month. Meaning that what ever balance is on the account on the account closing statement date that is what is reported to the credit bureaus. I paid my bill in full and there was a XXXX dollar balance on my account on XX/XX/2022 and there was still a XXXX dollar balance on XX/XX/2022 which is the account closing statement date. A XXXX dollar balance is what should be reported to the credit bureaus but they are reporting charges to the account made after the closing statement date on XX/XX/2022. 
I have attached a copy of my credit card statement to prove my point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Credit card is due on the XXXX of every month. I am going through a hardship at the moment ( month of XXXX 2022 ). My credit card payment is NOT 30 days late however this company CitiBank has called me more than 30 times in the last 15-20 days!! Leaving voicemails and back to back calls

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 2022-09-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX, has violated my rights. 
XXXX Bank account # XXXX, has violated my rights. 
XXXX Bank, XXXXXXXX account # XXXX, has violated my rights. 
XXXX Bank, XXXX. account # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relation to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I paid XXXX XXXX XXXX XXXX  to do my taxes. I never got my completed taxes. I called XXXX XXXX at XXXX. He told me he was in XXXX XXXX with no cell phone service. He told me he would call me at XXXXXXXX XXXX that Friday then called to change that to XXXXXXXX XXXX. I went to look at my texts with XXXX XXXX. He pulled all the texts back meaning I couldn't see his part of the message. 

I immediately contacted my bank Chase and told them what happened, They reversed the charge of XXXX. I paid someone else to do my taxes. 

Today almost 2 months later, I check my account. JP Morgan Chase, reversed the charge again. When I called JP Morgan Chase, their reason was the vendor used a third party ( XXXX ) to process the payment. That has nothing to do with me. I did not receive the goods I paid for. Now I have paid for my taxes twice. I want my XXXX put back in my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Credit karma pre approved and said I had very good approval odds for a loan up to XXXX dollars with XXXX XXXX, but when I talked to XXXX XXXX  I was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: FL

Complaint narrative:
This complaint is for multiple violations of the FCRA Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( b ) ( 1 ) for failure to respond and delete inaccurate information within 30 days. I have XXXX ( XXXX ) open CFPB COMPLAINTS about TransUnion continued violation of the FCRA. Each time they respond to the CFPB that they are investigating the account, HOWEVER THAT WAS A FALSE STATEMENT. ENCLOSED IN MY ATTACHMENTS IS PROOF THAT TRANSUNION CONTINUES TO VIOLATE THE FCRA. I HAVE ALSO ENCLOSED ( 1 PROOF TRANSUNION NEVER CONDUCTED AN INVESTIGATION AS REQUIRED BY THE FCRA. 2 ) TRANSUNION CONTINUES TO REPORT INACCURATE INFORMATION ON MY CREDIT REPORT. 3 ) I HAVE ASO ENCLOSED PROOF FROM THE COURT IN SUPPORT THEREOF. THE DISPUTED ACCOUNT IS A PUBLIC RECORD : XXXX BANKRUPTCY/ DOCKET NUMBER 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 non-monetary relief
Consumer complaint received 2022-09-09 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: NV

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.

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 2022-09-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I had an account with XXXX XXXX in XXXX delinquent in XXXX the had it in my credit report for 6 years on the seventh year it was sold to a credit collection that I made agreement with and it was paid to the collectors. I disputed some additional fees that the collectors added that I was not notified of. XXXX XXXX bought back the XXXX that they claim I still owed and put it back on my credit report for the pass 6 months ruining my credit but its shows that the account is closed, this is very unfair it is corporate bully Ive paid over the interest rate more than I owe this company.

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 2022-09-09 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: IL

Complaint narrative:
I requested for XXXX, Equifax and XXXX to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I requested for XXXX, XXXX and Experian to remove any old addresses and misspellings of my name because that is not how my credit report should reflect. They still have not updated my credit reports to show accurate information and i demand my requests be completed immediately. As it is my right as a consumer to have an accurate credit report.

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 2022-09-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: National Recovery Solutions, LLC
State: GA

Complaint narrative:
XXXX XXXX, with National Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contacted me stating they received a private student loan collection account from a previous company. I asked them to provide the original debt documentation with my signature & all payments I paid to the previous company applied to the debt. They state they have that information to provide me but that I should charge the balance they have on file to a credit card account or borrower the money. XXXX is rude using forceful language using threat tones. He has called old employers ( I no longer work for ) and family member numbers XXXX  online using my name. I have the recordings. I will not be forced to pay a debt without proof I asked for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I made a payment on due date of XX/XX/XXXX. On their app it stated {$10.00} minimum due. On auto pay. I paid that. There was only {$39.00} used on the card at the time. 

I check back now XX/XX/XXXX and it says {$88.00} due past due. No notification, no phone call, nothing. I called them today. At first I called and after going through prompts continental finance it seemed like someone picked up the call and I heard background noise but no answer for like 5 mins. 2nd time I called I was eventually transferred to a lady who told me that minimum {$35.00} you paid less. I told her auto pay said 10 was minimum which I paid. She was firm and didn't refund my late fee. 

I ve been with this company for almost 3 years. I've paid my bill on time almost every month. At worse maybe 4 or days late but even through COVID I always tried to make it a priority to pay them on time. Made a lot money off my back with their interest. They have yet to give me any increases on my limit and shown me they don't value me. I can't cancel the card as it will hurt my credit age but I am disgusted with them and would like something done.

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 2022-09-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Karma, LLC
State: OH

Complaint narrative:
Credit karma applied for there previous approved but to get turned down

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
On XX/XX/22 an inspection was done on my home. The result didnt come in until XX/XX/22 Along with many unreturned calls Its XX/XX/22 and no dispersement or calls have been made to me. 
I also recorded over a dozen of calls and filled a record book half way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Dear sir/madam On or about XX/XX/XXXX, right before the fraud transactions happened ( XXXX $ ) a series of fraudulent activity also occurred on multiple platforms. I had fraudulent activity on my credit cards ( XXXX  as well ), social media accounts, and my email login credentials were changed. ( I attached photos ) It wasnt immediately noticed that a large amount of money was removed from my savings account, as I rarely check that, thinking it was safe. The police were notified, and an identity theft report was filed. This has been a very stressful situation for me and the hardship it caused is unimaginable. 

TD Bank mailed me letters from the merchant that contains IP address login information, which is part proof of Authorization, from me. Whats bizarre about those, I was able to recover my emails and there was email sent From the merchant that also contains IP addresses, only one of the the 8 which matched the ones on the documents they sent to TD. They were all from different locations some relatively near and some far from my hometown, including Georgia, Pennsylvania, & Maryland. The information that the merchant is providing seems very in accurate and questionable. 

Ive contacted TD banks fraud department. They were able to recover 5 of the 12 unauthorized charges. After that Ive gotten no help. Ive asked for a written explanation from the bank multiple times so that I could prove My innocence.. Im not sure how Im being told some charges were unauthorized and refunded to me, but the others were authorized. Im not a scammer, and none of the charges were authorized by me. 

On XX/XX/18, I had {$5000.00} taken out on an IP address in Delaware. How is that me? I am attaching screenshots of the XXXX address along with its location.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I Recently reviewed my credit report and seen some accounts that i did not open and did not authorize anyone to open not sure how they are open under my name because i dont and cant seem to get control of the accounts to even get them shut down. 
So i contacted the companies ( XXXX XXXX and XXXX ), via email and asked for some correspondence back so we can figure out how to get these things resolved. I have not heard back from either companies and i dont know what to do to get this stuff removed from my credit report. I know that i have Rights and they are violating them witht these reportings. I dont want them on my credit report because i didnt not create and/or control these accounts. 
i emailed XXXX and XXXX on XX/XX/2022, and still no word from the company, i tried calling the number provided by experian.com and that instructed my to email andi did. Still nothing. these debts are not mine.

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 2022-09-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I took out a loan through XXXX XXXX XXXX XXXX XXXXXXXX for the amount of {$960.00}. 

I was laid off in XXXX of that year and after XXXX that next year I was behind and was unable to keep up with my monthly payments. In XXXX the remaining balance of {$440.00} was charged off to collections, where it was paid off in full on XX/XX/XXXX. 

In XXXX of XXXX upon checking my credit report on Experian I found that the loan from XXXX was still there, listed as still holding a balance of {$440.00}. I disputed this balance as I am on record as having paid. 

The dispute was declined on XX/XX/XXXX so I disputed that result as well on the same day. On XX/XX/XXXX that dispute was also declined. I contacted XXXX and received a Loan Verification letter stating I owe {$0.00} balance. I reopened the dispute, and on XX/XX/XXXX it was also declined. At this point I had called both Experian and XXXX multiple times, each of them blaming the other. Experian defended that XXXX was declining the legitimacy of the loan verification letter sent, so I asked for information on the collections agency which they did not have as the account had been closed for so long. With a representative to help me, I reopened the dispute with the letter attached and it, again, came back declined on the XXXX of XXXX. 

I reached out to XXXX  again and I explained to a supervisor the situation, to which they said they would open a ticket and get this resolved. I called back 2 weeks later to ask for a status update and was told that they would give me one in a few days. A few days past and they contacted me, giving me the same loan verification letter via an attachment and closing out the ticket. Desperately, I reopened the dispute a fifth time and, much to my expectation, it was declined today, the XXXX of XXXX. 

I'm writing this in hopes to escalate the action against the companies in question. This incorrect information has been dragging down my credit score for a few years and I'm starting to feel powerless against it.

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 2022-09-09 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: Credit & Collection Recovery Services, Inc.
State: AL

Complaint narrative:
I am filing a report on the company XXXX and also XXXX has been reporting incorrectly information and has yet to be removed and are fraudulently accounts : XXXX XXXX in the amount of {$1200.00}, Credit & Collections in the amount of {$870.00}. I have filed several disputes and I have not heard back from or received any letters, no emails, no calls, and they have not reached out to me in anyway. The company XXXX is still reporting incorrect information that need to be removed in order for me to be able to purchase my very 1st home. I am not understanding why The company has yet to remove these fraudulent accounts it has been several years now they have been reporting the wrong information. It should not take this long to have these accounts removed. I was told that it should only take 24 hours to have these fraudulent accounts removed from my credit bureau reports. I have submitted police reports Ive filed several complaints with the FTC and I am now fed up and filing a report on XXXX and XXXX. There is XXXX reporting fraudulent information on my credit report for XXXX in the amount of {$290.00}. XXXX XXXX ( XXXX  ) {$1200.00} XXXX  has yet to remove the following. Please have this removed immediately!!!!!!

Company response to consumer: Closed with explanation