vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-30 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: PA

Complaint narrative:
I have sold my XXXX XXXX lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to XXXX XXXX which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my FICO score by roughly under 200 points. 
I called XXXX XXXX to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what XXXX XXXX wanted to be written on the letter. 
Once the final iteration was completed after XXXX included all the information that XXXX XXXX asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that XXXX XXXX asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by FICO score. XXXX made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know XXXX XXXX has mostly one start reviews and this was just a prime example of why. 
I have been emailing all the information to a personnel, XXXX who was handling the credit information to XXXX XXXX XXXX department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from XXXX XXXX even though it wasn't at my fault. 
XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my FICO score. 
This delinquency was only reported to FICO and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with TransUnion. 
I have also attached below the letter I have sent to TransUnion for the dispute with all the related information.

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 2022-03-30 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
Over the past 4 months, I have received multiple promotional offers from my credit card called Sears Thank You from Citi. These offers vary in type but all are promises to award multiple points upon making a certain purchase level. 

To date, I have received no promotional benefits despite increasing my usage of the card significantly ( at the expense of bonus points I would have earned with other credit cards ). There is no way to see online what offers are active or my progress towards achieving the bonuses toward each offer. I feel its a really deceptive program- it entices you to make purchases toward reward points but you never really know what programs are active or progress toward any of them. They are counting on people not keeping track and just simply making more purchases without having to pay out the reward. I feel this is the equivalent of an unpaid rebate which there are laws against. 

Its a XXXX company and I am canceling my card but wanted to register a formal complaint so others aren't duped like I was for the last 4 months.

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 2022-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Was approved for a personal loan and was told to log onto their portal to access and e-sign the loan docs. $ $ $ in my account in 2-3 days. No such page was accessible on any platform -- their app, website or via a browser. 9 phone calls to try to " fix a technical issue '' which apparently happens every day, as I have subsequently seen in numerous complaints. Was told that they would snail mail me the loan docs -- I refused, as the loan was intended for an emergency need. Asked them to fix their technical issues. Within an hour, I Received a voice mail that they had already mailed me the docs, and thus I could not have any access to them online. Called up and they got nasty. Have reported them to XXXX XXXX, on whose site they appear. 

I am now trying to pull my credit to see if their infamous " hard credit inquiry '' tying up my available credit is going to sink me, as it apparently has so many people. 

I fear this was either a scam to get my information, or is their way of operating ( to deny reasonable and speedy online access ) due to a terrible cash flow or loan funding issue, i.e. they may " approve the loan '' but have not actually funded it ... this insistence on mailing buys them time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
There are hard inquiries on my Experian credit report that I did not authorize.

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 2022-03-30 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: NY

Complaint narrative:
I notice some fraudulent inquiries on my credit report that I didn't authorize. Please remove immediately because I'm going through some time sensitive life experiences & I can't move forward because of these 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 2022-03-30 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: NY

Complaint narrative:
I notice some fraudulent inquiries on my credit report that I didn't authorize. Please remove immediately because I'm going through some time sensitive life experiences & I can't move forward because of these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: NC

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I disputed a flight ticket that I believe I was overcharged on. The total was {$110.00} and I believe it should be {$60.00} less. This purchase was made on XX/XX/XXXX. I contacted XXXX on their customer service portal twice requesting a copy of the receipt with a full breakdown of the fees. Once around XX/XX/XXXX and again a week later on XX/XX/XXXX. I never received a response. Today on XX/XX/XXXX I attempted to dispute the charge by telephone with Chase. The representative was very dismissive. First she said have you flown already, oh I can't help. I said that's not true. If I purchase an item and receive it and realize I'm overcharged I can dispute it and have in several other cases. Then she said do you have a receipt and I explained I didn't and was requesting the one from XXXX and they ignored all my requests. She said I can't help you, you're out of luck. I know by law they can dispute without receipts and request the vendor produce oXXXX that is the whole point of the dispute process. She said no. I said I'm contacting CFPB after this can I have your name or ID number. No and hungup. I made this call around XX/XX/XXXX at XXXX Arizona XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: AR

Complaint narrative:
As of XX/XX/XXXX, I had sent out a letter towards TRANSUNION to dispute the inaccuracies on my credit report for bankruptcy regarding this account : XXXX XXXX XXXX ARKANSAS XXXX. I received a letter regarding investigation on these inaccuracies on my report, but pursuant to 15 USC 1681a ( c ) it states that investigation on a consumer reports entails that you obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. No such investigation was done in this matter. I received another letter on XX/XX/XXXX, stating they have completed the investigation and I did not receive any documentation proving the inaccuracy on my report. I have demanded that I receive documentation from the creditors indicating the inaccuracy regarding this bankruptcy. Pursuant to 15 USC 1681a ( 2 ) ( b ) I demand that you remove the inaccuracy from my report.I express my right to demand TRANSUNION disclose all documents they recorded and retained in my consumers file at the time of request concerning this alleged bankruptcy TRANSUNION is reporting on my credit file. TRANSUNION can not just reply in writing stating that TRANSUNION has verified alleged bankruptcy on my credit file without supporting full disclosure documents of how TRANSUNION has verified alleged bankruptcy. Ive also included documentation from the ARKANSAS XXXX system saying they do no report to third agencies. By publishing these inaccurate and unverified items on my credit report and distributing them, you are damaging my reputation and credit worthiness, and I will seek damages if they are not removed because TRANSUNION was unable to provided necessary documentation.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX & EQUIFAX, I HAVE SENT YOU BOTH MULTIPLE CERTIFIED LETTERS TO REQUEST TO UPDATE MY PERSONAL INFORMATION. YOU ARE WILLFULLY REFUSING TO DO SO. I HAVE SENT IN PROOF OF IDENTITY AND YOU STILL REFUSE TO UPDATE MY PERSONAL INFORMATION. IVE BECOME ABSOLUTELY STRESSED BY THIS PROCESS THAT I CONTINUE TO SEND MONEY FOR POSTAGE AND YOU BOTH STILL HAVEN'T FIX THE ISSUE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I am a victim of identity theft and all of my information was compromised including my social security number, my bank information and other sensitive information.I reached out to all three credit agencies such as XXXX and XXXX to have Fraudulent items removed such as XXXX XXXX XXXX, TD Auto Finance, XXXX XXXX XXXX XXXX, And XXXX XXXX XXXX XXXXXXXX in which I was not responsible for these items along with citizens bank and Also XXXX XXXX XXXX  XXXX XXXX which is a closed account that is still reporting that was fraud .According to the FCRA it is within my rights to have negative items removed in which I had no knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: NJ

Complaint narrative:
I, XXXX XXXX, am a victim of IDENTITY THEFT. Please remove charges on XXXX XXXX acc XXXX and REFUND new checking account in the amount of XXXX. Remove unauthorized hard inquiries from XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and all XXXX XXXX of XXXX, XXXX, and XXXX LOANS . Remove email XXXX, and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX as previous addresses. Remove XXXX XXXX XXXX previous employment and XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX as previous phone numbers. Immediately remove and permanently delete all above fraudulent and/or inaccurate data listed above from my report and respond in writing confirming deletions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
An American Express business card under XXXX XXXX XXXX XXXX was opened without correct tax ID and is being reported as delinquent under myself personally.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a call about a year ago from this company called Portfolio Recovery asking for someone NOT ME!!!. I said to the gentleman " I am not that person " to this day every day without fail I still receive a phone calls everyday from this company. I try to ignore them and report them as spam but they still call under a different area code and different number but the same name Portfolio Recovery. I do not owe anyone a dime in my life. I pay off my credit cards every end of the month in full payment. I pay all my bills. I have a credit score of XXXX and I have never had ask anyone for money Thanks be to XXXX. 
Anyway, I have told these people on more than one occasion that I am not the person they are looking for and they still continue to harass me. Please make it STOP. 
Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
XXXX XXXX Carrington Mortgage had promised not to report my mortgage being behind ( XXXX ) as a result of XXXX. However, now this is coming up with my commander that I was behind and my clearance has been suspended leaving me without work once again as a result of the mortgage company. Also, had to contact XXXX with the same information and they responded with they dont follow under XXXX guidelines nor the soldiers act. Im desperately looking for some assistance son this matter and cant afford an attorney. In the mean time, Im still without my position at the XXXX all as a result of my credit report being affected by XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am a victim of identity theft all of my information was compromised including my social security number and other very important information.My name was Fraudulently used to apply for accounts such as CAPITAL ONE BANK USA AND XXXX XXXX XXXX XXXX XXXX CARD.These items are reporting to XXXX and XXXX and I never opened these accounts.i contacted all parties regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-30 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: MI

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico  has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation