vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. 15 U.S. CODE XXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE XXXX - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I receive phone calls and letters from the companies listed below. I haven't received a 1099-C Form for the debt for being charge-off, according to the IRS any debt that is {$600.00} or more is consider taxable income. You must claim this amount as income on your taxes because you never paid it back. According to 15 U.S. Code 6802- Obligations with respect to disclosures personal information. ( A ) financial institutions may not disclose nonpublic personal information to a nonaffiliated third party unless - such financial institution clearly and conspicuously discloses to the consumer, in writing or electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party. Consumer is given an explanation of how the consumer can exercise that nondisclosure option. I wasn't given the opportunity of such information. According to 15U.S. Code 1681s-2 I didn't give written permission to have these accounts furnished on my credit report. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX- account # XXXXXXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXXXXXX XXXXXXXX  account XXXX XXXXXXXXXXXX XXXX XXXXXXXX   account # XXXXXXXX XXXX XXXX XXXX account # 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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Dispute of Collection Status Accounts on My Credit Report Account Number : XXXX ( XXXX ) Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX  ) Account XXXX XXXX XXXX ( XXXX XXXX ) I am writing to dispute several collection status accounts on my credit report, specifically the accounts listed above. I have reviewed my credit report and have identified several issues with the information that has been reported, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate and rectify these inaccuracies promptly, as well as remove these accounts from my credit report. 

The basis of my dispute is as follows : Incomplete and Inaccurate Information : Upon reviewing my credit report, I have found that the information associated with the mentioned accounts is incomplete and inaccurate. It is crucial that the information reported about my financial history is accurate, as it directly impacts my creditworthiness and financial opportunities. 
I kindly request the following actions be taken : Verification of Accuracy : I ask that XXXX, transunion And XXXX investigates the accuracy of the information reported for these accounts, including verification of the account balances, dates, and any other relevant data. In the event that any inaccuracies are found, I request that they be corrected immediately. 
Removal of Inaccurate Accounts : If it is determined that the reported information is indeed inaccurate, I request that these accounts be promptly removed from my credit report. 
I want to highlight that inaccurate information can have a substantial negative impact on my credit score, which can affect my ability to obtain credit, housing, and employment opportunities. Therefore, I kindly request that you expedite the resolution of this dispute. 

I will also be copying the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office on this correspondence to ensure that the appropriate regulatory authorities are aware of my concerns and that my rights as a consumer are protected. 

I look forward to a timely resolution of this dispute and the prompt removal of the inaccuracies from my credit report. Please acknowledge the receipt of this dispute in writing and provide me with a case number for reference.

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 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Re : Dispute of Collection Status Accounts on My Credit Report Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX XXXX  ) Account Number : XXXX XXXX XXXX XXXX ) Account Number : XXXX ( XXXX XXXX  - Original Creditor : XXXX XXXX XXXX XXXX ) Account XXXX XXXX XXXX ( XXXX XXXX ) I am writing to dispute several collection status accounts on my credit report, specifically the accounts listed above. I have reviewed my credit report and have identified several issues with the information that has been reported, which I believe are in violation of the Fair Credit Reporting Act ( FCRA ). I kindly request that you investigate and rectify these inaccuracies promptly, as well as remove these accounts from my credit report. 

The basis of my dispute is as follows : Incomplete and Inaccurate Information : Upon reviewing my credit report, I have found that the information associated with the mentioned accounts is incomplete and inaccurate. It is crucial that the information reported about my financial history is accurate, as it directly impacts my creditworthiness and financial opportunities. 
I kindly request the following actions be taken : Verification of Accuracy : I ask that XXXX, XXXX And EQUIFAX investigates the accuracy of the information reported for these accounts, including verification of the account balances, dates, and any other relevant data. In the event that any inaccuracies are found, I request that they be corrected immediately. 
Removal of Inaccurate Accounts : If it is determined that the reported information is indeed inaccurate, I request that these accounts be promptly removed from my credit report. 
I want to highlight that inaccurate information can have a substantial negative impact on my credit score, which can affect my ability to obtain credit, housing, and employment opportunities. Therefore, I kindly request that you expedite the resolution of this dispute. 

I will also be copying the Consumer Financial Protection Bureau ( CFPB ) and my state 's Attorney General 's office on this correspondence to ensure that the appropriate regulatory authorities are aware of my concerns and that my rights as a consumer are protected. 

I look forward to a timely resolution of this dispute and the prompt removal of the inaccuracies from my credit report. Please acknowledge the receipt of this dispute in writing and provide me with a case number for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I have many transactions that I need to dispute and they are not doing so. They have a " policy '' of up to 45 days of investigation and are completely closing them. Some transactions were completed and credited back into my account from the same merchant and others weren't. I reopened the same transactions and they completely closed the investigation and permanently closed my account without my permission. I received emails saying if I didn't request to call immediately. I called and was told it was permanently closed. I received an email after calling telling them they are in violation and were giving me a XXXX XXXX XXXX write a letter regarding my account. I have had this account for over 10 years and I do not appreciate them closing my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: IL

Complaint narrative:
I am referring back to complaint XXXX about setting up auto payments ; unable to do so via their website ; I emailed nelnet and they never responded! I complained and they tried to call me ; I called them back at XXXX and waited an hour never was able to reach an agent! They are lying ; they do not respond on purpose. I have tried everything and nelnet is lying! I want to set up electronic payments and get a quarter percent discount on interest ; they are not allowing me to set up on purpose! theyare thieves and liars and they should be reported for bad practices to the department of education

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I applied for the Amex XXXX XXXX XXXX credit card on XX/XX/2023, with an opening bonus of XXXX miles after spending {$2000.00}. However, after several months when I met the spending criteria, I still didn't get the bonus. I communicated a lot of times with Amex and they told me I'm not qualified for this bonus. However, this is not true : XXXX. I successfully opened it with the bonus. XXXX. I didn't have this card ever. Thus, I should be qualified. The most important thing, if I'm not qualified, they should notify me before approving my application. Thus, I think they are cheating me and this has made my life a mess, and I'm so sad and depressed to ask for your help. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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:
The credit bureaus XXXX XXXX and Transuion are reporting items on my credit report due to identity theft

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 2023-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
They keep threatening me to sue and called me off XXXX different numbers harrssing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Transunion refuses to respond to the statement in my letter that includes consumer law! They have ignored the laws that govern them and have not given any explanation or rebuttal against my findings. 

I need the CFPB to hold Transunion accountable for their negligence! I have accounts and inquiries that are not supposed to be on my credit report and they need to comply with the laws that govern them as stipulated in MY LETTER! 

Otherwise I will have no choice but to involve court!

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 2023-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
My mortgage was assumed by M & T Bank. I went from paying about {$560.00} with my previous mortgage company or so to over {$1000.00}. When asked why the increase I was told that my escrow balance was in the negative. I paid what I was supposed to pay. I lost my job and asked about modifying my escrow payments until I was able to find employment. I also asked for any programs that they provided to help. I was told I could not get help until I was late. Of course, I end up paying late due to no job and their advice. Then I'm told I'm not behind enough to get help. So now I'm trying to catch up. Well I go to make a payment and I'm locked out of my account. I try to call I can't get anyone on the phone. When I was able to get someone on the phone 2 days later this posted as another late payment to my credit. For the past 4 months I've called and asked them to not lock my account so that I can make payments as necessary. I work the same hours as them an need flexibility in making my payments. I spoke to someone about help ( now that I'm almost 3 months behind ) and they are supposed to send something. Then i was told i had to make XXXX payments instead of the XXXX that i was able to make. I still haven't received it. The principal on my mortgage is {$160.00} and my mortgage payments are about {$1000.00} ( or so ). Why is {$650.00} going to escrow?!! {$200.00} is going to interest. I'm paying more in both interest and escrow then is even going to my mortgage. Especially without notification or explanation that was going to be a change. I feel as though they were giving me bad advice and increasing my rates to make me loose my home. I got approved off of a job making $ XXXX. They were not willing to even set up a plan to pay off any negative escrow balances ( to was due to no fault of my own. ). To block me from making payments so that I can get caught up and to not even offer XXXX service for those with alternate schedules if online is not available. My credit has gone from the mid XXXX 's to the XXXX 's all from following the advice from a company that is supposed to be helping companies not setting them up for foreclosure and financial ruin. This is sad!

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 2023-11-01 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
This was a follow up on a previous complaint and request the removal of certain inquiries from my credit reports. The reason for this request is that I will be updating my credit reports within the next 15 days. As per the Fair Credit Reporting Act ( FCRA ) section 605b, credit bureaus are obligated to remove items listed on an identity theft report. Therefore, I kindly request the Credit Bureaus to remove the following inquiries from my reports : EXPERIAN : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX : XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/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 explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX Bank XXXX, or XXXX XXXX Bank, began charging extra interest fees without notice this month. They also began reporting false balances on my credit report in order to bring down my XXXX XXXX intentionally. My card and bills would be paid XXXX times per billing cycle. I overpaid so they could never say I was underpaid. So they began lying on my report and reporting that I was {$1.00} and times XXXX $ over my account balance when I was nowhere near the level they reported to the credit bureau. The credit flag, flagged the bank as fraudulent and they retaliated against me for filing a cfpb report on them for fraudulent activity and fees on my card. They suspended my account for no reason and then made me mail in my dispute for the {$3.00} fraud fees with a notarized receipt instead of doing it by phone or online. They kept saying you reported us to the cfpb like they were retaliating against me.

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 2023-11-01 00:00:00
Product: Credit 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear CFP, I am writing to express my complaint regarding Chase Bank 's handling of dispute fees, which I believe is indicative of corrupt practices. They have also used various means to avoid opening a dispute. During my initial conversation with them, they instructed me to upload certain documents. However, after doing so, they changed their stance and requested that I mail the documents. It appears they are unsure of how to properly address the issue. Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XX/XX/2023 around XXXX pm my BOA VISA card was stolen at LIFE TIME XXXX in XXXX, NC about XXXX pm BOA call me about XXXX dispute at XXXX {$640.00} at that time I found other XXXX credit cards ( XXXX, XXXX ) and BOA debet card were stolen. 
all of cards were canceled and received new cards and resolved the froud disput issue. 

But BOA VISA card is still saying I used the card at XXXX XXXX 

XXXXXXXX XXXX XXXXXXXX Crimes # 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 monetary relief
Consumer complaint received 2023-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI

Complaint narrative:
My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX. This inaccurate item is not only embarrassing ; they are preventing me from obtaining the credit I deserve. As you and I are both aware, there are laws that ensure that credit bureaus report only accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditors part. It is with great concern that I insist you verify that this information is incorrect and delete the late payment from this account. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. Also take note that, I am the person making this complaint & I give cfpb authority to investigate this claim.

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 2023-11-01 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SLM CORPORATION
State: OH

Complaint narrative:
I have multiple private students loans with Sallie Mae. I am a mother of XXXX teen kids and pay {$550.00} a month to Sallie Mae, and {$360.00} a month to XXXX. 

I have tried to work with Sallie Mae but they are not willing to see I can not afford {$550.00} a month. 

I also filed XXXX about 5 years ago and recently Sallie Mae XXXX some of the loans with them, but could not explain why they all were not being XXXX. They refused to discuss the matter and told me they just didn't know. 

I feel if XXXX loan qualifies to be XXXX with them then they all should, or at the very minimum explain how they came to that decision. 

I am a XXXX and worked all through COVID and have not missed a payment. This is becoming more difficult as I can not refi to a lower interest rate because of BKO XXXX yrs ago. I was forced to file BKO as a result of a divorce

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