vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/XXXX, Monday. I called Citi, XXXX, on current statement ( bill due XX/XX/XXXX ) to make a payment. I have used the automatic system throughout the history of this card ( member since XXXX ) ; on statement ). I had made consistent payment and NO late payments. The automatic system could not find my account through phone verification ( this is the first account with CITI ), full cc #, full social security, partial SS #, bank account numbers and actual card number connected to this account. I USED touched tone and voice able. It connected me to a rep outside USA, and she tried to verify using the above, using my phone XXXX, another phone number for text " code '', security question, address. Rep stated she could not verify the account. I asked to speak to a supervisor in the USA and she stated it take a long time for a USA rep to be connected and I said connect me anyway. I got connected to the USA sup and she tried the same thing as above. No attempts were made to update phone number ( old number on file ), no attempts were made to update security questions on their ends. USA rep sup told me the last rep stated she send a letter with a verification code and I am to call back with this code. I TOLD her she never sent a letter nor told me about the letter and to listen to the recordings. I REQUESTED RECORDINGS of ALL ANY CONVERSATIONS, Still have not received and I REQUESTED NO LATE FEE ON MY ACCOUNT and the first rep and sup stated because we can not verify the account that is not possible. I REQUESTED THIS TO BE NOTED ON MY ACCOUNT. What is interesting to me is the system had no issue pulling up a NEW ACCOUNT, paid in FULL. This is the FIRST TIME I have ever experienced this and I have bank statements showing payment. This is unethical, demeaning, and horrible customer service USA  and outsource.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

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. 

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

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. 

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: CA

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2023-06-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION
State: FL

Complaint narrative:
Our loan was transfered from XXXX XXXX XXXX XXXX to SN Servicing Corporation officially XX/XX/23. We received notice from XXXX on XX/XX/23. However we didn't receive notice from SN Servicing until XX/XX/23, almost a full month past the official transfer date. I had to call them XX/XX/23 to find out the loan number and the mortgage amount to be payed. As of now they still haven't sent a mortgage statement. This loan was transfered at the end of a XXXX XXXX bankruptcy and we'd like to make sure all the financial data is correct. But we are unable to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use it. I have provided the necessary documents as evidence to support my 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I originally had a loan for my purchase of my XXXX XXXX XXXX from a different finance company which eventually was changed over to Beneficial. Beneficial closed down here in XXXX my car had been repoed twice. I originally got it in XXXX the summer of possibly XXXX. I put {$2000.00} down. It was a {$10000.00} and some vehicle. A payment made to Beneficial was never documented on their records which I do have a record of. However, I have to go back to my records and find I have a receipt from them but it was not on their printout and maybe that is why they thought I was behind. Anyway, how do I owe {$10000.00} when originally the loan was for a {$10000.00} vehicle and I had been paying since XXXX it was picked up I believe XX/XX/XXXX or XXXX? I asked XXXX XXXX to look into and get original records they just told me they verified the information and it was accurate. Yeah if you are ripping off people it is. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I want to close my account with Paypal, because of the fact that the way that they process the transactions on my behalf leads to economic problems with my budget whereby I don't have enough money to buy food in the grocery store due to the complexity of the accounting errors in the Paypal account. They will not allow me to close the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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. The letters are stated with items and issues.
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD BANK NA XXXX IS ILLEGALLY REPORTING late payments on an account that NEVER belonged to me. 

This has been repeatedly requested to be removed by the vendor BUT they have not complied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, *Account name : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Granddaughter ( XXXX ) used her CR.CRD. w/XXXX - reached her limit. Then .... 
XXXX accepted more purchases and charged MY credit acct. totaling over $ XXXX. 
My disputes with Citibank/Costco have been denied. ( We share address ).

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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
ive tried to dispute account with trans Union XXXX asking for method of verification because account is reporting dispute resolved. over 30 days have passed, and I have yet not received any verification on acct. I do not agree with report investigation results because I have no clue how this account was verified. Account is stating inaccurate reporting account open, derogatory, collection charge of all at the same time. There is no way that account can be derogatory if reporting account as collection. Account is also stating in accurate reporting account has open derogatory collection charge of all at the same time there is no way that account can be derogatory if reporting account as collection I had previously stated on my dispute, I had previously stated on my dispute that I do not recall having this account open for that reason, I wanted account to be verified, or delete. I have not received any documentation with any kind of verification stating this debt belongs to 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 non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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.

Account name : XXXX XXXX Account XXXX has violated my rights. Or list of inquiries 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 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Back on XX/XX/2023 my credit score decreased by XXXX points due to usage of a credit card I understand that, But on today my score decreased again XXXX points for the same usage that occurred back onXX/XX/2023, No one could help & no one had any answers just excuses I also explained that all my cards have been paid down .Also I explained about the emails that I received for paying down all my cards again no answers just that it wasnt them at fault.

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 2023-06-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2023-06-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
When I needed to refinance my loan, they made me get additional {$500.00} added to my loan. One Main Financial stated that that was the only way to refinance my auto loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent investigation letters to each of the three credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the three bureaus is not 100 % accurate. 

For instance, after their investigation, XXXX reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. Equifax and XXXX, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For Equifax, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. XXXX is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent investigation letters to each of the three credit reporting bureaus on XX/XX/XXXX, to investigate the XXXX XXXX account XXXX on my credit report. Each of the credit bureaus conducted an investigation and concluded that the account was verified and updated. Yet, at the end of the investigation, the payment history across the three bureaus is not 100 % accurate. 

For instance, after their investigation, Experian reports that the XXXX XXXX account ending in XXXX was 150 days late on XX/XX/XXXX, then there is no data until XX/XX/XXXX illustrating the account as a charge off. XXXX and XXXX, on the other hand, both report that I am 120 days late on XX/XX/XXXX. For XXXX, there is NO DATA until XX/XX/XXXX when the account is reported as a charge off through XX/XX/XXXX. XXXX is reporting a charge from XX/XX/XXXX to XX/XX/XXXX. 

Based on 15 USC 1681i ( a ) ( 5 ) ( A ), if an item is found to be inaccurate, the credit reporting agency should delete the account from the file of the consumer.

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