vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-11 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 602 A. States I have the right to privacy 15 U.S.C. 1681 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: TN

Complaint narrative:
inqurieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud

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 2022-06-11 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: TN

Complaint narrative:
inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX they credit bureuas will not delete these and i did not authurize them to pull my credit reports. they need to be deleted due to fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX, has violated my rights on XXXX XXXX. 

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

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 2022-06-11 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX has violated my rights on XXXX XXXX. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Hi, I'm disputing a hotel charge from " The XXXX XXXX XXXX '' booked on XX/XX/2022 for {$770.00}. Our actual scheduled stay was for XX/XX/2022 through XX/XX/2022. 

My wife and I booked a 3 night stay for our honeymoon but had to leave before staying the first night due to black mold/no AC in our room. We stayed zero nights in the hotel and had to book new lodging last minute after traveling for 24+ hours. 

After our honeymoon, I tried contacting the hotel and received little to no response via calls and emails. I then tried a dispute with my credit card Citi bank but they said I needed to contact the hotel. I tried to contact the hotel again but again no response. 

Can you help us out? This put a huge damper on our honeymoon.

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 2022-06-11 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: TX

Complaint narrative:
I have submitted disputes to you and did not get a response from you within 30 days. XXXX are required by law to do so. Please I investigate my disputes. Thank you

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 2022-06-11 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted disputes to you and did not get a response from you within 30 days. Yall are required by law to do so. Please I investigate my disputes. Thank you

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 2022-06-11 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: FL

Complaint narrative:
Why are large companies allowed to lie about derogatory reporting data to credit bureaus without proving their case? I proved my case with the bureaus and STILL they allowed XXXX XXXX  XXXX XXXX to dinged my record for a 30 days late. My payment history also tells the truth, never late for 10 years in business with XXXX, but thats not worth anything to these companies?!? Its wrong that large companies like XXXX can affect credit scores without PROOF of late payments and credit bureaus refuse to hear both sides automatically siding with big business and NOT induvial working class?!? Look at my payment history and do your job in finding the actual fault! 

Also, why can credit bureaus offer a better score if you pay them money? My credit score should stand on it own and NOT be manipulated by credit bureaus for PROFIT! These companies have the power over my financial records and are allowed to operate for profit margins, how is that legal? What government agencies are getting kickbacks for allowing this unconstitutional behavior? This is criminal

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 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Chime Financial Inc
State: CO

Complaint narrative:
I am getting cards in the mail that I didn't apply for. 
XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I was notified by target a week or two ago and now all these other cards are coming. I have three accounts. 
I have XXXX XXXX  XXXX XXXX and XXXX  I have other cards but they are all jeopardize at this point. Someone has all my info The Information attached to one of the accounts was Email- XXXX Phone- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: Nelnet, Inc.
State: OH

Complaint narrative:
In XXXX of XXXX, someone opened a fraudulent account in my name without my knowledge. The amount is {$110000.00} and is reporting on my credit report. When contacting company unable to resolve. As a result, I am filing disputes with multiple reporting agencies to have incorrect information removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # 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

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 2022-06-11 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account and Account # 's DEPT OF ED / XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX XXXX  ACCT # XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX ACCT # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: CO

Complaint narrative:
( THIS IS THE SECOND TIME IM WRITING THIS, BECAUSE YOUR WEBSITE ERASED MY TEXT WHEN I TRIED TO SUBMIT IT THE FIRST TIME ) False and misleading messaging in an email from Discover Card. 

Discover card sent me an email stating they had " Received my payment! '' I owe Discover card {$63.00} this month. 

I have not had more than {$30.00} in my checking account this month. 
Therefore it is mathematically impossible that they have " received my payment ''. 

I contacted my bank, XXXX, and inquired if payment had been made. They informed me there were no processed or pending transactions for {$63.00} to Discover. I contacted Discover, spoke with no less than 3 support agents, and was informed that they had received a check with my name and checking account debit information on it. XXXX informed me that they had not issued such a check. I suspect this was a pre-produced check authorized as part of a paydown plan, which I vaguely recall having agreed to. 

Regardless, a check / authorized debit attempt is not a " payment ''. It is a payment attempt. Payment is not made until it has been processed by my bank and debited from my account. Discover cards email messaging should reflect this accurately, and not offer misleading information that leads me to believe I have made payment and don't need to worry at the moment about ensuring I have sufficient funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian po box XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX Fl. XXXX RE : YOUR REFUSAL TO UPDATE/CORRECT PERSONAL INFO RE : REFUSAL TO INVESTIGATE HARD INQUIRIES RE : REFUSAL TO INVESTIGATE SOFT INQUIRIES RE : REFUSAL TO INVESTIGATE XXXX XXXX XXXX # XXXX RE : XXXX XXXX # XXXX IMPROPER INVESTIGATION I XXXX XXXX XXXX XXXX EXPERIAN ON XXXX/XXXX YOUR AGENCY REFUSED TO CORRECT EACH ITEM LISTED IN MY PERSONAL IDENTIFIERS SECTION. MY DRIVER 'S LICENSE, SOCIAL SECURITY CARD, AND RECENT MAIL WERE ALL SUBMITTED. I GAVE SPECIFIC INFORMATION ON THE ONLY PERSONAL INFORMATION TO BE LISTED IN THE CONSUMER REPORT. ON XX/XX/2022 EXPERIAN REFUSED TO INVESTIGATE EACH HARD CREDIT PULL IN MY CREDIT FILE. AS A RESULT, I REQUESTED EXPERIAN DO A FULL INVESTIGATION ON ALL HARD AND SOFT CREDIT PULLS AND PROVIDE ME WITH ALL PROOF EACH COMPANY HAD A PERMISSIBLE PURPOSE TO OBTAIN MY CONSUMER REPORT AND MY WRITTEN SIGNATURE/E-SIGNATURES TO OBTAIN MY CONSUMER REPORTS. On XX/XX/2022 YOU SENT A REFUSAL TO INVESTIGATE M G CREDIT FOR NO REASON AT ALL. AS I REQUESTED ALL OF THE FOLLOWING INFORMATION ALONG WITH YOUR METHOD OF VERIFICATION EXPERIAN PROCEEDED TO REFUSE A RE-INVESTIGATION. XX/XX/2022 EXPERIAN COMPLETELY DISREGARDED MY REQUEST FOR AN INVESTIGATION WITH METHODS OF VERIFICATION AS WELL AS ALL ITEMS LISTED BELOW TO BE SENT TO ME. ON XX/XX/2022 EXPERIAN DID NOT COMPLETE AN INDEPENDENT INVESTIGATION INTO XXXX XXXX XXXX XXXX AS I REQUESTED A METHOD OF VERIFICATION AND EACH OF THE FOLLOWING DOCUMENTS AS WELL TO BE SENT TO ME FROM EACH INVESTIGATION. THIS IS THE NOTICE SENT WITH EACH DISPUTE AS THIS REQUEST IS CONTINUALLY DISREGARDED EACH TIME I DO A DISPUTE WITH EXPERIAN. ( ( PLEASE PROVIDE ALL REQUESTED ITEMS BELOW AFTER INVESTIGATIONS ) ) FULL METHODS OF EACH INVESTIGATION, ACDV- PLEASE PROVIDE AS REQUESTED FROZEN SCANS- PLEASE PROVIDE AS REQUESTED AUD- PLEASE PROVIDE AS REQUESTED CARBON COPIES-PLEASE SEND I AM REQUESTING MY CONSUMER FILES, FILE DISCLOSURES, AND CONSUMER REPORTS-ALL ARE REQUESTED. XXXX XXXX XXXX XXXX XXXX XXXX Fl. 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 explanation
Consumer complaint received 2022-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I went to a Regions Bank location and requested that my joint account be closed with my son. I am currently the legal guardian of my son and presented paperwork that shows I have legal authority to handle his legal and financial matters. The bank confirmed the account was at XXXX balance and that the account was closed. They took the debit card associated with the account and cut it up. Two days after closing the account, a recurring charge was presented to the account and created a negative balance. I chatted with Regions Bank and informed them that the account had been closed and that any charges presented to the account should have been declined. They informed me that despite the account being closed, when a charge is presented, the account will reopen and go through. I specifically asked them what the point is then of closing an account if future charges can go through and reopen the account. They told me they could not assist me in reclosing the account until it was back at {$0.00}. I made a XXXX  payment to the account and brought it {$0.00}. They provided me a confirmation number that the account would be closed. The next day, I had an alert that there was a {$36.00} overdraft fee for the account being negative, despite my closing the account at a XXXX balance. Regions Bank stated they are not able to reverse the overdraft fee.

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 2022-06-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
This complaint is in regard to my private student loans with Navient. A couple of years ago I tried to work with Navient on a payment plan. What they were asking at the time was not affordable to the point I wouldn't even be able to pay my rent. I contacted them to see if they had any programs or could assist me with coming up with a payment that I could afford. The representative said he would need to discuss it with his team, but if I could make a " good faith payment '' then it would buy me some time and will show the company that I am serious about working something out. I made the payment and tried to contact the representative several times to inquire about the status without success. All of a sudden, I receive a letter from XXXX XXXX XXXX, stating that my loans have been turned over to them from Navient and to reach out to them to work out a plan. I was devastated because that's what I was trying to avoid. I soon learn that Navient charged off the accounts and reported my accounts as derogatory, which is still the same status they are reporting today, which is incorrect. I wasn't sure what to do or my options, and felt like I had been tricked, so I just went ahead and worked out a plan with XXXX XXXX XXXX and have been paying them faithfully for over a year now and they send the money to Navient, which Navient has confirmed. Navient also refuses to update the status of my credit report as well as they are reporting a past due balance. I have been making payments for over a year, but they stated that they dont update statuses when they are derogatory. However, how is it derogatory if I have been making payments? There should not be a past-due balance as well. Their negligence in not providing me with options for a payment plan, falsely making an agreement and conning me into making a payment in hopes of working something out, and not accurately reporting to the bureaus has negatively affected me and my family tremendously. I am not able to buy a home due to their negligence and I am hoping to come to some sort of resolution via an investigation and at least have my credit report information reporting accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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:
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX  XXXX {$8900.00} XX/XX/XXXX this account is unknown to me. 
XXXX XXXX XXXX XXXX {$67.00} XX/XX/XXXX this account is unknown to me. 
XXXX {$67.00} XX/XX/XXXX, XXXX account is unknown to me. 

XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XX/XX/XXXX. This inquiry was not authoized by me XXXX XXXX XX/XX/XXXX. This inquiry was not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This inquiry was not authoized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-11 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: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
XXXXXXXX XXXX  credit acceptance closed my account with me still making payments after they had closed the account then on XX/XX/2019 XXXX the account back up and came to repo the XXXX XXXX XXXX from me and closed the account again. Then reported it to the credit agency as a {$0.00} balance then reported a {$3400.00} balance and now reporting a {$9900.00} balance. When trying to get the car back I was given the incorrect information about where the vehicle was located. I was given your information from XXXX Yesterday after fight with them all this time!

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 2022-06-11 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: OH

Complaint narrative:
I am XXXX XXXX XXXX, I recently learned a former care provider used my social security number and a made up birthday to open accts, some of them my family paid not knowing how they were opened. I have sent in copies of my state id and birth certificate several times and XXXX removed all the errors. However XXXX and TransUnion still show accounts, XXXX XXXX XXXX  showing a balance. 
the act was opened in XXXX, and wrote off in XXXX, I turned XXXX in XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am XXXX XXXX XXXX, I recently learned a former care provider used my social security number and a made up birthday to open accts, some of them my family paid not knowing how they were opened. I have sent in copies of my state id and birth certificate several times and XXXX removed all the errors. However Equifax and XXXX still show accounts, XXXX XXXX XXXX showing a balance. 
the act was opened in XXXX, and wrote off in XXXX, I turned XXXX in XXXX.

Company response to consumer: Closed with explanation