vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent many request for correct info on my credit reports. My auto loan with XXXX financial was included in XXXX  XXXX and XXXX XX/XX/2022 ... company continues to report payments late after discharge..I am not responsible nor can they collect the debt from this auto loan I will enclose screenshot from there website and also my credit report screenshot..thos account is not open, was discharged XX/XX/XXXX XXXX 've called and spoke to XXXX and was told nothing they can do ..they should not be reporting any payment activity at all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX also violated my right to privacy as pursuant to 15 USC 6802.

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 2022-10-19 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 have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX  also violated my right to privacy as pursuant to 15 USC 6802.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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 have been disputing this account for months, late payments are illegal, I have been stressing this factual law with XXXX. They have been in violation. In exhibit " A '' XXXX have been sending this response to me when I am the natural person. I was clear with what I wanted. In exhibit " B '', I disputed this account and XXXX keep responding with Exhibit " A. I am tired of the run around and the back and forth and the violation of my federal rights. I filed a case with the Attorney General of New York State. XXXX  also violated my right to privacy as pursuant to 15 USC 6802.

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 2022-10-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
On XX/XX/2022, I applied for a personal loan through OneMain Financial Reference # XXXX. Shortly after finishing the application, I received an email that stated I was denied but there was no explanation. Because I was not sent an adverse action letter, I reached out to the company and on XX/XX/2022, I received an email that stated : 'the specific reason ( s ) your loan was not approved at this time is : Incomplete Application. 

In order to mark the application done, all fields that were deemed required had to be filled out and they were. OneMain Financial did not give me the opportunity to give them who they could get a consumer report from, they also didn't give me the name of the consumer reporting agency that they used. All of this information should have been in the communication that they sent, but the only information that I received was that it was an incomplete application. 

OneMain Financial requested that I call their XXXX XXXX XXXX XXXX XXXX at XXXX, and I have several times, but I have not received a call back. I am stressed out and feeling as if they are ignoring my concerns. 

Because of the violations I actually was unable to take care of personal matters due to OneMain Financial withholding the use of me extending my own credit. 
OneMain has violated the Equal Credit Opportunity Act.Pursuant to 12 CFR 1002.6 ( b ) ( 6 ) they never gave me an opportunity to present any information to indicate that the credit history being considered by OneMain Financial does not accurately reflect my creditworthiness. 
They have also violated 12 CFR 1002.7 Rules for extensions of credit, OneMain Financial shall not refuse to grant an individual

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: CO

Complaint narrative:
On XX/XX/XXXX, XXXX I sent a letter to EXPERIAN to correct an account that they are reporting inaccurately, and it is affecting my ability to purchase a home. They have done nothing with the investigation. This account is closed and paid in full and they are reporting a payment status as " paid was past due 180 days or more " which is completely inaccurate, considering they don't even have a last payment date, nor do they have a complete two year history This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,

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 2022-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I have been trying to close my PayPal account for almost two weeks now, and I keep getting the runaround from customer service. There are no open transactions. PayPal is intentionally stalling the closure of my account because it is bleeding accounts as thousands of people are also cancelling. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TN

Complaint narrative:
I authorize only for one company to run my credit report for a car, and mortgage. And its more than one on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 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: Spring Oaks Capital, LLC
State: IL

Complaint narrative:
This Account is not mine and never has been mine at no point in time. I called Spring Oaks Capital , LLC and have gotten nowhere. I'm XXXX and I'm being taken advantage of. I even asked for a contract or signature that they cant provide and I know that that's in violation my rights. Can You Please Help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX I made purchases at Macy 's using XXXX XXXX XXXX XXXX XXXX XXXX credit card. On XX/XX/XXXX the statement cycle ended and my bill arrived, showing the items I purchased on XX/XX/XXXX and XX/XX/XXXX, there were no other charges or items purchased during that billing cycle, with a due date of XX/XX/XXXX. 
On XX/XX/XXXX I returned all items purchased and received full credit in the same amount as the ending balance on my billing statement. So in my opinion, I would not owe anything on XX/XX/XXXX payment date because the account would be at {$0.00} balance for whatever was owed in that billing cycle. 
I did make subsequent purchases after XX/XX/XXXX, but those would be on the next billing statement since XXXX 's billing statement had already closed several weeks earlier. One would not be expected to pay for the new items purchased until one received the next credit card billing statement. 
When I received my next billing statement, statement close date of XX/XX/XXXX with a payment due date of XX/XX/XXXX, I noticed I was charged a late fee for not making a payment by XX/XX/XXXX. What was I going to send them, a check for {$0.00}? How does one pay a {$0.00} balance? 
I called the credit card company that administers the Macys XXXX XXXX credit card and had a very difficult time getting the representative to understand what the problem was. I had to repeat myself and try to explain multiple times that they can not charge a late fee when the balance for that billing cycle was already at {$0.00}, prior to the due date of that billing cycle 's payment. I think the rep finally just gave up and said he would credit me back the late fee charge. I did get him to acknowledge that this was an error on the credit card company 's side, not my error.

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 2022-10-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I made a purchase from XXXX XXXX XXXX XXXX  using a XXXX XXXX XXXX XXXX XXXX Card. When I received the XXXX XXXXXXXX XXXX billing statement I paid the bill in full from my business account but for some unknown reason the amount was refunded back to my business bank account a week or so later. The next statement included the original amount plus a late fee and interest fee. I contacted XXXX XXXX XXXX XXXXXXXX XXXX  Card and they refunded the late fee but not the interest fee. They instructed me that I should go online and attach proof that I paid or attempted to pay the original billing statement amount, but for the last month their web site has informed me that due to a system problem they can not receive attachments. I have now paid the original amount from another account but I am disputing late fees and the interest fees. I opened a case with them but now they have sent a new bill with another late fee and interest fee. It was my understanding that if I opened a dispute they would not charge me late fees and interest until the dispute was settled. They have informed me they would be in touch with me but they have not answered any of my messages online, nor have they emailed me. When I call them I am usually on the phone for at least an hour and I have to talk to a manager but they have informed me there is nothing they can do to cancel the fees. My case number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I see four hard inquiries on my credit report for which I'm unaware of those inquiries. 

1 : - XXXX  XXXX inquiry made on XX/XX/2022 XXXX : - XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX inquiry made on XX/XX/2022 XXXX : - XXXX XXXX  inquiry made on XX/XX/2022 Please help in this regards

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 2022-10-19 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: GA

Complaint narrative:
I see four hard inquiries on my credit report for which I'm unaware of those inquiries. 

1 : - XXXX  XXXX inquiry made on XX/XX/2022 2 : - XXXX inquiry made on XX/XX/2022 3 : - XXXX XXXX inquiry made on XX/XX/2022 4 : - XXXX XXXX inquiry made on XX/XX/2022 Please help in this regards

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 2022-10-19 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: CO

Complaint narrative:
On XX/XX/XXXX, XXXX I sent a letter to TRANSUNION to correct an account that they are reporting inaccurately, and it is affecting my ability to purchase a home. They have done nothing with the investigation. This account is closed and paid in full and they are reporting a payment status as " 120 days past due " which is completely inaccurate, considering they don't even have a last payment date, nor do they have a complete two year history This is an FCRA violation. and needs to be corrected immediately Ive included the letter I sent them as well as a copy of my credit report highlighting their inaccurate reporting,

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 2022-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
chase bank new customer {$220.00} bonus offer opened in XX/XX/XXXX with XXXX XXXX XXXX of {$790.00} paid {$19.00} for checking account to start.XXXX XXXX, private client banker @ XXXX ( XXXX ) XXXX XXXX XXXX XXXX and handled switch with XXXX in XXXX presence from XXXX XXXX XX/XX/XXXX, called XXXX XXXX, and found Chase never XXXX it ; XXXX then made the change.Spoke to XXXX A. XXXX XXXX after to help get the {$220.00}, to no avail.Spoke to XXXX XXXX XXXX XXXX XXXX @ Chase Branch Complaint Escalations to no avail, and phone tag with XXXX XXXX XXXX ( XXXX ) XXXX, responded in XXXX to my letter sent to Chase CorporateXXXX XXXX XXXX XXXX stated 90 days had passed, and out of luck getting the {$220.00} for said reason. The coupon code is XXXX on the offer $ XXXX was another offer mailed in XXXX XXXX, exactly the same available too when sitting down with XXXX XXXX if to start over and get the bonus handled a different way, to no avail.XXXX A said he texted inquiries twice to Chase Corporate to resolve the matter, during my banking visits many times.My family has dealt with Chase, as I have for many years, and just want my {$220.00} bonus, credited to my account for closure as soon as possible.Thank You In XXXX of XXXX XXXX {$790.00} was finally in place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-19 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: GA

Complaint narrative:
Your help is needed as I have been locked out of my XXXX card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, XXXX and Transunion of the invalid address on my profile and is not a correct location. XXXX has now alerted me that XXXX has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for XXXX min XXXX sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. XXXX has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # 1XXXX XXXX GA XXXX. Despite, XXXX XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. XXXX has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. XXXX mislead me that the only address being reported to XXXX, XXXX, Transunion is XXXX XXXX XXXX, XXXX NY XXXX. XXXX has lock the profile to prevent address updates. XXXX has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. 
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : XXXX HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate XXXX actions.

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 2022-10-19 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: GA

Complaint narrative:
Your help is needed as I have been locked out of my XXXX card profile for address changes since XX/XX/XXXX to ensure the address is matching my account. I was mislead that the address they had on file was XXXX XXXX XXXX, XXXX NY XXXX. I contacted XXXX, Equifax and XXXX of the invalid address on my profile and is not a correct location. XXXX has now alerted me that XXXX has been sending the invalid address : XXXX XXXX XXXX XXXX XXXX GA XXXX to my file and not XXXX XXXX XXXX XXXX NY XXXX. I called and spoke to XXXX XX/XX/XXXX who stated she was in another country and was not understanding how addresses listed and struggled to assist with no avail. She placed me on hold several times verified a previous address for security purposes. XXXX then disconnected the call while i waited on hold for XXXX min XXXX sec. XXXX also responded " with a weird expression when I advised her the call would be recorded for quality assurance from my end. XXXX has consistently treated me in a prejudice manner. I have been stressed of the invalid information. I advised I only have one location that I need mail to be sent which is XXXX XXXX XXXX XXXX # 1XXXX XXXX GA XXXX. Despite, XXXX XXXX XXXX has valid history of my records and address, they have been updating the 3 CRAs with wrong address. XXXX has mislead me to believe the address on file was XXXX XXXX XXXX XXXX NY XXXX. XXXX mislead me that the only address being reported to XXXX, Equifax, XXXX is XXXX XXXX XXXX, XXXX NY XXXX. XXXX has lock the profile to prevent address updates. XXXX has failed to have my name correct in their profile. My only name is XXXX XXXX as per SSN attached. 
How can they be mailing my personal information to a wrong address? My rights as a consumer has been violated with all the misrepresentations and prejudicial treatment. 
2ND : XXXX HAS DECREASED MY CREDIT LINE WITH NO adverse action notice despite my XXXX score was at XXXX this only happened after I file a dispute in the message center on XX/XX/XXXX I was then treated unfairly with a reduction to my credit line. To date, I have not received any correspondence to substantiate XXXX actions.

Company response to consumer: Closed with explanation