vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This is XXXX  I am trying to put a freeze on my credit report and have been trying to login to my Transunion account all day without success. I put in my user name and password and press enter. The next screen says they have sent a 6 digit authorization code to my email account but I never receive the code. I have tried several times and each time I get the same results ... no code! 

I tried calling them. The first time I did manage to get a person that I could barely understand. I think she told me that I should just keep trying. The next several calls I made to them resulted in my call being disconnected. 

I don't understand what is going on with Transunion but it really scares me to think these people could have a drastic effect my finances when they can't even provide a website that works and worse, they can't even manage a simple task like answering their phone!

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 2023-05-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA

Complaint narrative:
I was contacted by Fair Collections & Outsourcing FCO around XX/XX/XXXX and informed that an account ( XXXX ) was in their office 30 days and actively being reported to the Consumer Credit Bureaus as a collection account on my report and the actions would continue until I paid Fair Collections & Outsourcing {$5000.00} for an account involving the XXXX XXXX. 
I provided written dispute to FCO on XX/XX/XXXX requesting FCO cease collection and reporting activity according to FCRA regulations. 
Following communication with XXXX XXXX I pursued legal advice and filed Small Claims Hearing, learning the limitation of Small Claims I reconsulted and began retainment of legal representation to attain judgement and damage recovery. 
I submitted disputes to the Credit Reporting Bureaus regarding the Fair Collections & Outsourcing account but continued to be negatively impacted by the presence of the collection account. 
Te date request for debt verification request remains unfulfilled and the collection account continues to be reported which has caused me to be disqualified for housing. XXXX XXXX has reported an invalid amount intentionally withholding substantiating dialogue. 

Fair Collections and Outsourcing continued attempts to collect and report a debt with a financial gain incentive, without proper investigation, documentation or adherence to Federal regulations and intentionally caused severe damage to my livelihood and well being in effort to collect debts without basis to assert this action to my knowledge, my requests for debt verification are unfilled. FCO states on XX/XX/XXXX that my dispute with the Credit Bureaus has limited their ability to provide a debt verification.

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 2023-05-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I believe this item is incorrect because I am the original creditor because every single debt obligation and every single credit extension is originated from my Social Security number. They act like their creditor when its me that is the original creditor. They are lying saying they created the loan. THEY ONLY did the paperwork they took my social security number and used it. And then put a lien against it and then took the lien which is evidence of interest and property and sold it on the stock market. This person is using my identity and saying that I owe them. I need Experian to send me the paperwork they was gaven validating that the info is correct. They are acting as THE ORIGINAL creditor when I am the creditor. 

31 U.S.code says. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.

B ) THE Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.

( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.

( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under section 5151 of this title.

( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. 

XXXX XXXX XXXX is double dipping into my strawman account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/ I sent you a letter regarding inaccurate things on my credit report on but to this day, more than XXXX have passed but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found. Bit it has been more than a month now, and your inaccurate reporting still affects my credit nor I get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by XXXX Date breach and my got into hands of the wrong person and it is your obligation to fix these errors.

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 2023-05-22 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:
I recently viewed my credit report and found that, they are numerous accounts ; that were not authorized by me. This is affecting me, in buy my first house for my family.

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 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I have received a notice from Bank of America that I tried to open an account and was declined. I did not try to open an account and I have been trying to get in touch with Bank of America to determine if someone is fraudulently applying with my information, but it is impossible to reach them. They won't let you talk to customer service unless you have account details, and since I don't because the application was fraudulent it is impossible to reach them. They need to give me information so I can know if my identity has been stolen or not.

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Greetings, Barclays Bank in many occasions doesn't deposit rewards without a hassle. I have earned XXXX miles for a referral on my XXXX  Mastercard, it showed on my statement but they never sent to my account. Customer Service doesnt have any information. Im reporting because its not the first time this happens with Barclays promo and rewards offers. This agency never fulfill its terms and promises without you requesting your rights.

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 2023-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
TransUnion is reporting the same debit twice from 2 different companies which is illegal

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 2023-05-22 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: IL

Complaint narrative:
In XXXX, I entered into an auto loan agreement with XXXX XXXX for a new XXXX XXXX XXXX. The interest rate was very high. However, over the years, I maintained payment in good standing. 

This year, on XX/XX/XXXX, I sat down with XXXX XXXX in XXXX Illinois for the purpose of paying off the ENTIRE balance owed to XXXX XXXX. This included 8 remaining payments and whatever additional amount that constituted a total balance. XXXX XXXX and XXXX XXXX initiated a conference call with XXXX XXXX to verify the remaining number of payments for the XXXX and what constituted a total balance owed. Accordingly, on XX/XX/XXXX, on the call with XXXX XXXX, they ( XXXX ) confirmed the balance owed and acknowledged payment from XXXX XXXX ( SEE EXHIBIT 1 ). The agreed-to transaction was completed. 

However, by XX/XX/XXXX, XXXX XXXX reported a missed auto loan payment to Experian, XXXX, and XXXX. The resulting harm was an XXXX drop in my credit score. ( SEE EXIBIT 2 ) Today, XX/XX/XXXX, I contacted XXXX XXXX The call taker denied any knowledge of the loan for the XXXX being paid off. They showed me as still owing a past due amount and a remaining 8 payments contrary to the XX/XX/XXXX conversation and transaction. I also called XXXX XXXX ( the dealership ) and they agreed to call XXXX again to confirm the XX/XX/XXXX transaction and to stop treating this consumer as delinquent.

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 2023-05-22 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove all non-account holding inquiries : XXXX XXXXXXXX XXXX-inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX-INQUIRY : XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: CA

Complaint narrative:
Please remove all non-account holding inquiries : XXXX XXXX XXXX-inquiry : XX/XX/2023 XXXX XXXX XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX- INQUIRY : XX/XX/2023 XXXX XXXX-INQUIRY : XX/XX/2023 2023

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 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I went to redeem my reward points valued at {$1200.00} from Chase on a credit card ending in XXXX. I received the confirmation email, but the money never made it to my account. I called chase and they confirmed my account number and routing number were correct. They said the points should be corrected and in my account within 1-2 business days, but they still havent shown. Ive tried calling the bank multiple times and my calls wont go through.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act RBFCU has violated my rights. 

15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may n
ot treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Thank you and please let me keep me updated on the complaint outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
I submitted my PSLF application to FSA over a year ago, XX/XX/2022 and I am still waiting for them to update my employer 's eligibility status from undetermined to approved. I used the PSLF help tool and submitted additional supporting documents to include a supporting letter and a copy of my employer 's articles of incorporation and bylaws as suggested. My loans have been transferred to Mohela and when I contact them regarding the status of my PSLF application, they state that they are waiting for FSA to determine my employer 's eligibility. I've been contacting FSA to get this information but they continue to transfer me back to Mohela. Both parties continue to transfer me back and forth and no one is helping to provide a status update or review the supporting documents and application that I submitted a year ago. Is it possible to get my issue escalated or resolved asap?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: IN

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 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 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 non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: World Acceptance Corporation
State: MO

Complaint narrative:
World Finance will not update my chapter XXXX on my acct i called spoke with Supervisors and managers they stated they will not update it on my report but i included my Creditors list with them on it and they have acknowledge the Chapter XXXX but want update it on my Credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
I do not recognize how this account is reporting on my credit report. I don't recognize the account number, I don't recognize the account status, I don't recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here doesn't meet the FCRA.

15 USC code 1681n civil liability for willful noncompliance 15 USC code 1681o civil liability for negligent noncompliance 15 USC code 1681e compliance procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: NY

Complaint narrative:
ON XX/XX/XXXX, I called experian and told them that If iled a cfpb report, they are in violation of the FCRA, they are reporting an address on my credit report that belings to my father, XXXX XXXX XXXX XXXX XXXX ny XXXX, I disputed this address with experian multiple times, they continue to report this fraudulent address. I want this address removed from my credit report immediately. I also intend to sue if this fraudulent address is not removed from my credit report within 14 days. experian has my correct address XXXX XXXX XXXX XXXX, XXXX ny XXXX experian also continues to report a fraudulent account from XXXX XXXX XXXX XXXX , I disputed this account multiple times with experian letting them know that this account is fraudulent. I '' ve filed FTC identity theft reports multiple times and this account is still being reported, I sent experian and the creditor documentation of me being XXXX  from XX/XX/XXXXuntil XX/XX/XXXX. XXXX XXXXXXXX ACCOUNT was opened in XX/XX/XXXX, I was XXXX  at the time. I want this fraudulent account removed from my credit report within 14 days or I intend to sue.

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 2023-05-22 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
The company has received a credit card debt from XXXX back for a credit card I owned. The account was handed over to XXXX XXXX XXXX to be settled. It was settled at a lesser amount and now they have put a collections on my credit for the full amount not the settled amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Account reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.

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 2023-05-22 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: Affirm Holdings, Inc
State: NC

Complaint narrative:
Account reports different dates under date of last payment. reporting this due to FCRA ( noncompliance of an accurate data being furnished on my consumer reports. Payment history is not reflected accurately on this account. No documentation sent that proves these payments were late so that I can determine if you are in fact, reporting this account accurately or not.

Company response to consumer: Closed with explanation