vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
I have been experiencing issues with Identity Theft for the past 10 years. I was apart of several data breaches, including XXXX, insurance companies and banking. I have been constantly working to get my credit issues addressed, with only 25 % of corrections being made. The companies are not assisting, which is frustrating because I am a victim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
On XX/XX/XXXX TransUnion Committed IDENTITY THEFT BY furnishing a consumer report without my authorization, consent nor did I benefit from the consumer report being furnished named " XXXX XXXX '' ACCOUNT NUMBER : XXXX which according to the FCRA they didn't have permissible purposes to furnish that report which my written instructions is needed to furnish that report. TransUnion also furnished consumer reports on XX/XX/XXXX, and XX/XX/XXXX accounts named " XXXX XXXX XXXX XXXX', AND XXXX XXXX XXXX XXXX XXXX without my authorization and or consent neither did they have my written instructions. TransUnion is now civilly liable pursuant to 15 USC 1681n for the furnishing of all consumer reports known as accounts without consent. On XX/XX/XXXX I sent a notice of FCRA violations certified mail receipt number : XXXX XXXX XXXX XXXX XXXX to TransUnion Consumer solutions of the Said violations of the FCRA with a 1 page copy of the law stating the violations.

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 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Description of issue : I got a pink slip loan 3 years ago and I have paid over XXXX on that loan. The amount borrowed was around less than XXXX. Most of that money has gone into interest instead of the principle, the interest on this loan is over 119 %. I have to re sign a new loan because I was given 3 years to pay it off but since I have not paid it off. I still owe XXXX towards the principal. I wanted to see what options I have, I dont want to lose the vehicle. The vehicle is not even worth that amount I have paid for or the amount I owe. Please let me know what you suggest or what options I have. I have copies of the original document I signed, the payoff letter and the amount I have paid over the 3 years.

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 2022-01-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX 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 2022-01-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: MARINER FINANCE, LLC
State: NJ

Complaint narrative:
On XX/XX/2020, my older brother called me to come to XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NJ. My little brother had fell in the love with their puppies and needed help selecting and purchasing a pet. 

My brother called me because they wanted to purchase the dog and wanted to finance the payments. The store associate had pitched him on the " same as cash '' option where we could make the payments within a certain time period and avoid interest. Since my finances and credit score were more reliable, I came to help make the purchase and fell in the love with the dog myself. 
After 6 months of paying off the loan. There were still hundreds of dollars worth of interest. When I call Mariner Finance, they tell me the sales associate did not select the " same as cash '' option on her tablet and therefore the those terms are void. 

The whole reason why Mariner Finance Loan option was even considered rather than other options of payment was because of their " same as cash '' terms. This does not seem fair and I sincerely hope that this is not the way Mariner Finance or XXXXXXXX XXXX XXXX  plan to make money off of the customers who pay on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NC

Complaint narrative:
Found some discrepancies on my report I did no authorize. One account that is showing different amounts for each bureau and at least 4 inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I made a online purchase of {$800.00} with XXXX with 75 day 's delivered guarantee or full refund on XX/XX/21, I was given a fake tracking number that doesn't exist XXXX, saying it was delivered to my home. I contacted all major shipping carriers, the tracking number exist. 
Its XXXX XXXX haven't received my items or good 's yet! 
I dispute a claim 3 months ago and still Citi Bank keeps telling me I'm the responsible person every 30 day 's or so. 
I'm very agitated, plus I keep getting broken up speaking English people in the dispute specialist that doesn't even care. I have tag all documents proof about my order I need help.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX is a digital app on iphone that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX son. I need good credit to get a good apartment. This company just destroyed that!

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX is a digital app on iphone that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the XXXX credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX XXXX XXXX XXXX I need good credit to get a good XXXXt. This company just destroyed that!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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:
XXXX is a digital app on XXXX that provides personal lines of credit. I have used them for about 1 year. I had a 100 % payment history until XX/XX/XXXX when their app had technical issues and it disconnected my bank account information from the autopay settings that were established. There was no notification of this disconnection until I tried logging into the app and I couldnt because it was having issues. I tried contacting them and no one responded for weeks. I even tried calling them, but they do not have a live costumer support service. It is all through email on their website. After a couple of weeks I finally received a response and was provided a link to make a one-time payment. I did this on XX/XX/XXXX. I advised them I was worried that the technical issues with the app would cause a payment delay because the auto-pay wasnt working and I asked them not to report any late payment to the credit bureau XXXX I paid them on XXXX XXXX. We'll on XX/XX/XXXX and XX/XX/XXXX of XXXX I logged into XXXX XXXX and found that they did report negative payment history to the credit bureau and it tanked my score by over XXXX points. I have noticed on their XXXX page that multiple people have had issues contacting this company and getting timely responses ; I am not the only one. How is this fair? Their app is the one that had technical issues and destroyed my 100 % payment history. Also, how can the US government think it is fair to allow companies that do not have live customer service operations to be able to report to the 3 credit bureaus. If you cant talk to someone live in person to help on an issue, and the best you can do is try to get ahold of someone thru email with a very questionable response rate, how is that right? I am trying to find a new apartment right now for me and my XXXX year old son. I need good credit to get a good apartment. This company just destroyed that!

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am the consumer, natural person, and original creditor. Equifax/The Work Number shared my nonpublic personal information with Georgia Department of Human Services without my written instruction therefore causing me to be denied SNAP benefits. Pursuant to 15 USC, 1681b, Equifax violated had no permissible purpose to provide Georgia Department of Human Services with my nonpublic personal information. Pursuant to 15 USC 1681n, Equifax/The Work Number willfully failed to comply with 15 USC 1681b which requires it receive written instruction from the consumer before furnishing my consumer report to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc
State: CA

Complaint narrative:
Did not receive any information about debt. Credit reports only state debt if from XXXX XXXX I can not verify debt is legitimate. Please provide date of service, what services were for, a copy of original bill and a copy of signature for services. If can not provide any information or verification of debt please remove from all credit bureaus asap. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: ID Analytics, Inc.
State: AL

Complaint narrative:
It has been brought to my attention that XXXX XXXX has gathered my personal information ( pubic records/criminal history ) from the Alabama court house or some data furnisher without my consent, it is my personal data and private information, sharing this information has caused me to lose jobs i was already working, and prevented me from getting potential jobs ; the court system is not authorized to release, sale, promote this information because it is against the law, disposals of records, cause adverse actions in my life for years on my behalf, unauthorized, defamation of character, invasion of privacy, accurate reporting is required by law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: AL

Complaint narrative:
I paid this debit in full once I was able. They they labeled it as paid off or bad debt and left it in collections at 0 valence. Then my credit score went down over XXXX points because they made it look like ireopened the account like I missed a payment, only I didnt. The collection was only opened to be looked at so I could pay it off. I literally have the pay off letter in my hand as Im typing this note, with the account number, dates and everything. They left it in collections in all credit bureaus I believe except one maybe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reached out to this company on XX/XX/2021 about the inaccuracies on my credit report. By XX/XX/2021 all of said inaccuracies were deleted. I am reporting this complaint because it took years for them to finally respond accordingly. Because of their negligence, my life has been harder than it needs to be. I have to work 12 hour shifts to save up money for a large down payment on a vehicle because most banks dont want to work with me.This company has furnished a BAD credit report on me without my consent/written directions and them recently deleting those things from my account is proof that they admitted to violating my 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 non-monetary relief
Consumer complaint received 2022-01-12 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NC

Complaint narrative:
Found some discrepancies on my report I did no authorize. One account that is showing different amounts for each bureau and at least 4 inquiries.

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 2022-01-12 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: NC

Complaint narrative:
Found some discrepancies on my report I did no authorize. One account that is showing different amounts for each bureau and at least 4 inquiries.

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 2022-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
ALLY FINCL company is currently showing 30 days late ( XXXX and XX/XX/2020 ). I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. 

( ALLY FINCL 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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I believe I am a victim of identity theft. AMEX account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to the company but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

( AMEX XXXX )

Company response to consumer: Closed with non-monetary relief