vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX TX XXXX. Please update my name to : XXXX XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
Downing town XXXX used ally financial to finance my loan. Loan agreement was changed after paperwork was signed and I went to the bank to get down payment. I was not allowed to leave the dealer as the workers would not let me. And demanded I stay till paper work is signed. Finally I was let go to the bank to bring a {$2000.00} down payment which did not go towards my car after associate stated it would. The company ally financial then reported recently a XXXX day late penalty to XXXX yet this is incorrect. 
Im accordance with the fair credit reporting act this has violated multiple of my rights and I will continue to take actions further with an auto attorney if this is not fixed within XXXX days. Either the late payment on my credit must be removed or this investigation will further with notarization. 
15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-01-13 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: MD

Complaint narrative:
I have identified items that should not be on my consumer report. Please view the attachments for further detailed information on this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
Hello, On XXXX XXXX XXXX I woke up and saw that two unauthorized charges had been made on my Apple credit card at XXXX XXXX, one for {$310.00} and one for {$310.00}. I reported both these charges and froze my card immediately. Apple said they would dispute them and would get back to me in 90 days with the decision. Yesterday ( XXXX  ) I received an email saying that they had determined the charge for {$310.00} was fraud and I received a refund to my credit card. Today ( XXXX ) I received another email for the {$310.00} charge saying that they determined it was not fraud and I was responsible for paying the full amount. I re-disputed the charge and was informed that it will be another 90 days until I hear back. Their policy states that no one is responsible for any unauthorized charges to their card, which was both of those purchases. I do not understand why one was determined to be fraud and the other wasnt when they were both made at the same time with what I am assuming was my stolen credit card number. I also am extremely concerned about this and will not be using my Apple card ever again because I do not want to be held responsible for potential fraud charges. Ive had this card for over a year now and this is the first time Ive ever had a fraud charge on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-13 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: GA

Complaint narrative:
XXXX, transunion and XXXX  did not comply with updates on my request to fix the issues of inquired on my account within a 30 day period.

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 2023-01-13 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: DISCOVER BANK
State: CT

Complaint narrative:
On XXXX I posted a payment for XXXX on my account i had a XXXX credit line. the day after I made the payment -- which i made to be able to pay bills and make a large purchase -- they reduced my credit line to XXXX and since there was no notification i proceeded to process the planned payment which put my account over the limit at the XXXX i also can no longer complete and intended purchase. due to the line decrease. The customer service rep stated it is in my terms they can change the limit without notice -- i dont think that is true but the timing of this line decease feels intentional. once they locked in the payment they reduced the line within 24 hrs if i knew this was coming i would have still made a payment but not the XXXX this may be legal it may not but if this was not legit they are not going to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: PA

Complaint narrative:
TRANSUNION is in violation under the FCRA. They have violated 15 USC 1681a ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. All the accounts demanded of fall under these federal law so if CONGRESS DEMANDS these accounts to EXCLUDED from a consumer.report WHY IS TRANSUNION WILLINGLY REPORTING THEM IN DIRECT VIOLATION! TRANSUNION has responded they VERIFIED the accounts past XXXX days THAT I NEVER DISPUTED TO BE INCORRECT there for TRANSUNION conducted a FRAUD RE-INVESTIGATION. I NOW DEMAND TRANSUNION UNDER 15 USC 1681i by definition of investigative report TO PROVIDE ALL NAMES AND ADDRESS OF THOSE PERSONALLY INTERVIEWED to verify such accounts and IF THIS INFORMATION CAN NOT BE GIVEN THESE ACCOUNTS MUST BE DELETED because a proper investigation WAS NOT CONDUCTED

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 2023-01-13 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: AZ

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  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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: MO

Complaint narrative:
request to update report with accurate information, and remove all old addresses on my account, some of these addresses I never resided at and others are over ten years old. request to remove numbers connected to my account. I do not have an active telephone number or employer at this time. all of this information is on my report and inaccurate. a request was sent out on XX/XX/22 in writing and closed already without any changes made to my 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 explanation
Consumer complaint received 2023-01-13 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 XXXX XXXX with account number XXXX This account is listed as being 90 days late. I have never been late on this account. 
In accordance with the Fair Credit Report Act, 15 U.S.C 1681a ( 2 ) Exclusions : ( A ) ( i ) states report containing information solely as to transactions or experiences between a consumer and the person making the report. 

Therefore, any transactions SOLEY made between a consumer and the company CAN NOT be reported on the consumers credit report. I have included this section from the FCRA along with this letter.

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 2023-01-13 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I received a call from XXXX ( XXXX ) XXXX XXXX. A lady asked if I hear her well an I said yes. Immediately after my answer, a message started claiming that Chase credit card has been trying to reach me regarding my account several times. I hang up and called the number back but a man answered me with hello only. I asked why I received a call from that number he hung up immediately. And then they called me at XXXX XXXX  after that. 
Please investigate that. number. 
Please know that I don't have any business accounts with Chase not so ever. I never opened or tried to open an account with Chase in any form. I don't have a Chase credit card, nor a Chase debit card. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Was notified through XXXX  that a charge in the amount of {$7700.00} for an autoloan was reported and my score dropped XXXX. 

I contacted BMO harris Consumer Reporting Department. 
They confirmed all payments are up to date and on time. The chargeoff reflects 90 days past due payments. Which I have proof of timely made payments. 

Bmo harris said they will do some research and get back in contact.

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 2023-01-13 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: LA

Complaint narrative:
Upon checking my XXXX, Equifax, and XXXX consumer credit report I found that persons XXXX, Equifax, and XXXX violated the fair credit reporting act laws and also damaged my consumer credit reputation with the following information listed Below 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting 15 U.S. Code 1681e - Compliance processes ( a ) Identity and purposes of credit users 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1666b - Timing of payments XXXX is reporting the following accounts violating these laws : XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX account number XXXX, XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX. 

Equifax is reporting the following accounts violating these laws : XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX  XXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX account number XXXX. 

XXXX is reporting the following accounts violating these laws XXXX XXXX account number XXXXXXXX XXXXXXXX account number XXXXXXXX XXXX XXXX XXXXXXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXXXXXX XXXX account number XXXXXXXX XXXX XXXX account number XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX account number XXXX  account number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am to believe that certain cc companies like XXXX and Bank of America are forcing consumers to use their online service for payments and when they refuse to do so they will keep adding late fees on your account claiming that your payment was late ... it's a trend I've been noticing with these two banks in question ... currently my credit score has moved from XXXX to XXXX because I refused to pay their late fees and they won't reverse these late fee charges only keep adding it every month... please investigate these unscrupulous bank and fine them for these mal practice.

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 monetary relief
Consumer complaint received 2023-01-13 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I am to believe that certain cc companies like citi and XXXX  XXXX XXXX are forcing consumers to use their online service for payments and when they refuse to do so they will keep adding late fees on your account claiming that your payment was late ... it's a trend I've been noticing with these two banks in question ... currently my credit score has moved from XXXX to XXXX because I refused to pay their late fees and they won't reverse these late fee charges only keep adding it every month... please investigate these unscrupulous bank and fine them for these mal practice.

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 2023-01-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
Someone applied for a XXXX card in my name. I did not apply for a XXXX card. I would never apply for a XXXX card. The company sent me the card, I called them and told them that I did not apply for this card. They cancelled the card, however all of my information was breached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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: FL

Complaint narrative:
I am interested in disputing all incorrect information on my credit report with transunion.

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 2023-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: VA

Complaint narrative:
I paid a collection for XXXX XXXX in the amount of {$960.00} on XX/XX/XXXX via my debit card. They still are sending me emails ( see below ) as of XX/XX/XXXX demanding payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I received a Goldman Sachs XXXX card that I never applied for. My mother also received a card at the same time she received my card. She has filed her own reports. 
On XX/XX/2022 {$2000.00} was digitally charged to a card the thief did not have in their possession. The physical card was mailed to my parents address. My mother was a victim of identity theft on that day. She was a victim of the XXXX breach. I do not know how the thief received my information. I did not apply for this card or give anyone else permission to do so. I went to my local police department in XXXX but they did not file a report. I contacted the company that issued the card. They said all charges were made in XXXX using the digital form of the card. The card is in my mother 's possession. Goldman Sachs stated that the account would be closed and I would not be responsible for the charges. I have filed an XXXX report with the FBI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX yrs, XXXX mos ) Highest Balance {$870.00} Creditor Information WAKEFIELD AND ASSOCIATES XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Someone used my information with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: CA

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.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
My name is XXXX XXXX and I currently have federal student loans held by Mohela as of XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and I initially applied for XXXX XXXX XX/XX/XXXX. Minimal progress was made in receiving a clear response of outcome despite numerous calls and emails. 
- XXXX/XXXX/XXXX filed XXXX  request for all loan payments since inception. 
- XX/XX/XXXX provided copies of XXXX waiver applications, XXXX for multiple years, XXXX  transcript, and military orders. Provider denied application stating they could not verify XXXX based on last XXXX numbers provided on XXXX  transcripts and number of hours on application did not correlate to earnings. This did not make sense or seem logical. 
- Provided actual XXXX for XXXX Credit given for years worked. 
- XX/XX/XXXX - received XXXX  requests with XXXX documents. Proof of payments XXXX - uploaded actual XXXX for XXXX Awaiting response. 
My primary complaint is timely truthful communication provided by loan servicer, fairness in application of XXXX  rules as stipulated by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation