vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXXhas violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 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 2022-02-24 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX and Account # XXXXhas violated my rights. 

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

15 U.S. Code 1681 section 604 A Section 2 States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I went into a TJ Maxx on XX/XX/XXXX. At checkout I was invited to get 15 % off and told I was applying for points and it would be a soft pull. Minutes later, I got alerts that there were inquires. I alerted the store and synchrony bank. The bank told me to write a written statement about the incident and mail it. Weeks later I was told the inquiry was removed. However, last week I received a letter that there was another inquiry from synchrony bank. I have not applied for anything and this inquiry is on XXXX. I also filed for bankruptcy in XXXX and all past inquires should have been discharged, but they still remain. I am very concerned because I also got an alert yesterday of dark web activity for my social security number and license number. Please help.

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 2022-02-24 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: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank Auto has been the vain of my existence for well over a year. I have been paying double sometimes triple the amount on my car loan in order to get ahead. This has been going on since XX/XX/XXXX. The payments are not being posted as I wanted it. The payments are being applied to the principal, interest and fee balance and not towards the current monthly payments and future as I wanted it. By PNC Bank not stating they were applying the payments this way and applying the payments as they please. This has created my account to be reported to the credit bureaus negatively. This is incorrect and all the late payments need to be removed from my credit report starting in XX/XX/XXXX. I by making multiple payments in the same month paying for multiple future months thought the months were paid. PNC Bank applied them not as I wanted and then turned around and reported over 9 times since XX/XX/XXXX up till today that my account is past due. I have attached the PNC statement as of today XX/XX/XXXX as current next payment due in XX/XX/XXXX. This wrong and very misleading. I have constantly called and requested an investigation but here I am still having the same issue

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Capio Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX. and said it was assigned to Capio address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, Texas XXXX sent me a letter on XX/XX/XXXX said they were collecting medical debt for XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$830.00}. The letter was dated XX/XX/XXXX and said I need to respond by XX/XX/XXXX but I didn't receive it until XX/XX/XXXX. I responded with a debt dispute letter I sent this out on XX/XX/XXXX certified with return signature they received the letter XX/XX/XXXX I have received the card back with a XXXX signature on it. I checked my credit report and they reported it again XXXXthe day after they received my dispute letter. On XX/XX/XXXX they received it they sent me out another letter from XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX but this time with the name XXXX XXXX XXXX XXXX XXXX XXXX. but this time saying I owe {$190.00}. It's the same company but they are just putting different company names on the letter head, and they are trying to scare people into paying them I asked them to Cease and Desist until they sent me proof the debt belong to me and if they can legally collect debt in the state if Michigan then they just put a lawyer 's name on the letter. None of the account numbers are mine nor service dates nor amounts they say I owe. One on the service date on both sheets are for XX/XX/XXXX XXXX in the amount of {$57.00} and then the other for {$45.00}. I have never been to the doctor or hospital twice in one day. Plus, I have 2 insurances and have had for about 5 years, and I don't have co-pays, and anything not covered would come directly off of my FSA account. I do not have or ever had an account or signed or signed up for anything with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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:
I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. Experian, XXXX, and XXXX continue to report this as a paid collection instead of deleting.

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 2022-02-24 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am in the process of purchasing a home and I have a debt that is reporting on my credit report. The debt has a zero balance but the negative remark is hindering me from taking the next step. On XX/XX/2021, I wrote XXXX and Transunion about the concerns. I did not receive a response. On XX/XX/2021, I wrote XXXX XXXX ( the credit collection agency ), I also have not received response from them. On XX/XX/2021, I wrote XXXX and Transunion again. I still haven't received response. I need this debt removed from both bureaus immediately. I will attach proof of letters sent along with certified tracking numbers. 

Certified Letters : TransunionXXXX XXXXXXXX XXXX XXXXXXXX

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 2022-02-24 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: AZ

Complaint narrative:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/2015 XXXX XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00}

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 2022-02-24 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: AFNI INC.
State: NC

Complaint narrative:
I have consistently disputed this creditor and have successfully deleted this creditor from my credit reports, however after about a month or so it pops right back up on my credit report. This is inaccurate information, I have never used XXXX services for anything. I have been working tirelessly to correct the inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: IL

Complaint narrative:
I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. XXXX, XXXX, and Transunion continue to report this as a paid collection instead of deleting.

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 2022-02-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have submitted multiple disputes and provided ample documentation to the credit reporting agencies regarding a medical collection that Medicaid paid late. This item should not be on my credit report and Medicaid has issued a XXXX XXXX XXXX investigation letter stating that I am not to be billed. XXXX, Equifax, and XXXX continue to report this as a paid collection instead of deleting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Equifax get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX  XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXX XXXX XXXXXXXX Balance : {$890.00} XXXX XXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: MA

Complaint narrative:
I went into a XXXX XXXX on XX/XX/XXXX. At checkout I was invited to get 15 % off and told I was applying for points and it would be a soft pull. Minutes later, I got alerts that there were inquires. I alerted the store and synchrony bank. The bank told me to write a written statement about the incident and mail it. Weeks later I was told the inquiry was removed. However, last week I received a letter that there was another inquiry from XXXX XXXX. I have not applied for anything and this inquiry is on TransUnion. I also filed for bankruptcy in XXXX and all past inquires should have been discharged, but they still remain. I am very concerned because I also got an alert yesterday of dark web activity for my social security number and license number. Please help.

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 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
I have had the worst luck with crypto.com

1. I got a crypto.com card to buy crytpo with. 2. Learned your cant by crypto with a crypto.com card 3. Tried to use customer service. Failed. 4. I bought crytpo with my own card, they failed to give me any reward purchases as advertised. 5 contacted customer service, could only get canned messages in reply. Filed a complaint.

6. Had my account frozen by customer service after filling a filing a complaint.

7. Bought XXXXXXXX on there site, they we
nt me an email saying half were fake. Promised to return the money, never d

id. 8. Was told I had to wait two weeks for an outcome. 9. Couldnt get to talk to a manager or anyone who could help me. Continue to get canne
d messages as replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-02-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Social Finance, Inc.
State: PA

Complaint narrative:
Despite numerous phone

calls SoFi Technologies , Inc. " SoFi '' instructing them to apply extra payments to the principal balance ONLY, while paying my monthly payment, SoFi refuses to apply the extra loan payments to the principal balance. The payments are applied in different manners, some towards principal, some towards interest. One extra paym
ent was applied towards principal ; then another just towards interest. No rhyme or reason on how the extra payments are applied. Who in their right mind would pre-pay interest?

We called multiple times and are told someone will call us back and they never do.

Predatory and deceptive leading practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiry reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiry and accounts that I am disputing : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$640.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$260.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6300.00} XXXXXXXX XXXX  XXXX Balance : {$890.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2300.00} XXXX XXXXXXXX Balance : {$11000.00} Date Opened : XX/XX/XXXX XXXX XXXXXXXX Balance : {$1000.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX Bankruptcy Reference # : XXXX Asset Amount : {$0.00} US SM BUS ADMIN ODA Date of inquiry XX/XX/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 2022-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a copy of my credit report and, to my surprise, you are reporting a lot of incorrect information. You have several incorrect personal identifiers listed in my credit file and I am requesting that you remove any information that is not completely accurate. I am seriously concerned that the information that you are incorrectly reporting may send personal mail to the wrong address and jeopardize my identity or lead to fraud if it has not already.

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 2022-02-24 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
The GM FINANCIAL with account number XXXX appears to be a charge-off account with a specific balance of {$6300.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
The TARGET/TD with account number XXXX appears to be a charge-off account with a specific balance of {$2600.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX, XXXX and XXXX XXXX. As per FCRA, the 3 bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with non-monetary relief