vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 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: Synovus Bank
State: MI

Complaint narrative:
I received the card and the way you could pay was by using your bank information on the walebsite. When I started using it they changed the way you have to pay by going through your bank, which most banks do not allow. After my account was past due they then changed it back to the original way you can pay. They wanted the full past due payment. Of almost XXXX more then what it was. The website it XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: GA

Complaint narrative:
My auto loan is showing late payments when it is not actually late. As well as the balance is incorrect. I have checked all three credit bureaus and all three information is inaccurate and show different information. From the comments, to date of last activity, to months reviewed. As well as I saw a recent article from the CFPB in regards to XXXX XXXX reporting incorrect information on auto loans. My auto loans is with : XXXX XXXX XXXX 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 2023-07-01 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: KY

Complaint narrative:
I have made several dispute about XXXX XXXX XXXX with XXXX, XXXX, and Experian on reporting inaccurate information on my consumer report. The consumer reporting agencies stated that they properly investigated my account with XXXX XXXX XXXX on these two accounts. The first one Acct # XXXX is schedule to continue on record XXXX has XX/XX/2025, Experian has XX/XX/2025, and XXXX has XX/XX/2025. Which is correct? Can't be all three is accurate. 

Second acct # XXXX account is scheduled to record until XXXX has XXXX, Experian has XXXX and XXXX has XX/XX/2025 XXXX Which is correct? All three can't be accurate?

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 2023-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello I have been trying to resolve this issue with Experian for the last few months. There's an address reporting that I dont reside at or have any affiliation with. I called Experian over a month ago to remove the address which the young lady advised me they did however its still reporting. I've listed the address below and im asking for an immediate removal of the address from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: FL

Complaint narrative:
This is in regards to account with XXXX XXXX XXXX XXXX the company has two names the account number is XXXX {$320.00} I have sent countless letters to the company and informed them this item doesnt belong to me. However, the company continues to report the debt. I provided an affidavit and after calling I spoke to a representative I was informed they never received a letter from me. So I've attached the affidavit hoping that we can have some type of resolution.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Due to identity thefts fraudulent paperwork tampering with records XXXXXXXX XXXX XXXX XXXX XXXXXXXX was on my credit report they refuse to pay a debt settlement agreement which was result in terminated they still using illegally operation never gave them permission to run any credit if the business owner of XXXX XXXX XXXX XXXX XXXX an they using an illegally business address with place of employment they not in title to use or run anyone credit or have permission to denied with the stock holder approved make it unconstitutional illegally violation consumer rights protection act TransUnion have opinion to investigate these employees or freeze all assets due identity thefts fraudulent activity they was on my credit report over 2000 unknown mortgage was open with this bank y'all deleted everything so want be possible to recover I will sue TransUnion credit report agency of I dont receive my debt settlement agreement

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I've made several attempts to request my credit report from XXXX XXXX report since XXXX XXXX XXXX. I've sent copies of my identification and proof of address but not response.

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 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
My credit report indicates I owe XXXX XXXX  a {$350.00} payment for past due charges. I have not had an account with any rv provider in over 4 years. This is not me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: MI

Complaint narrative:
Equifax and XXXX is reporting inaccurate info ( XXXX XXXX XXXX XXXX ) 30+ Days Late which is inaccurate. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting even urging Equifax and XXXX to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: FL

Complaint narrative:
There are inquiries i dont recognize on my report XXXX XXXX XXXX Auto Financing XX/XX/2023 XXXX XXXX XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXXXXXX XXXX XXXX  Auto Financing XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XX/XX/2023 TransUnion XXXX Auto Financing XX/XX/2023 TransUnion XXXX Auto Loans XX/XX/2023 TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2023 TransUnion XXXX XXXX Auto Loans XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
For the transection XX/XX/2023 XXXX XXXX XXXX XXXX WA {$8000.00}, I returned the merchandise on XX/XX/2023, but so far I have not received the refund. The merchant asked me to call my financial institution so I called the bread Cashback card to ask about details. The bread Cashback card customer service agent over the phone helped me open the dispute and asked me to upload the supporting document here. I uploaded the return receipt. The bank told me that before dispute close, I'm not responsible for the payment of this transection. The dispute would close no later than 90 days. On XXXX, the bank posted XXXX dollars interest charge on XX/XX/2023 for this transection. On XXXX, the bank 's auto-pay system just automatically pull this transaction amount ( {$8000.00} ) plus the interest ( XXXX ) from my saving 's account. I contacted them about the dispute and they replied to me on XX/XX/XXXX that they are still investigating this issue. It has been more than their promised investigation time and I still have not received the refund for this transaction.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 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: GA

Complaint narrative:
My auto loan is showing late payments when it is not actually late. As well as the balance is incorrect. I have checked all three credit bureaus and all three information is inaccurate and show different information. From the comments, to date of last activity, to months reviewed. As well as I saw a recent article from the CFPB in regards to XXXX XXXX reporting incorrect information on auto loans. My auto loans is with : XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: GA

Complaint narrative:
My auto loan is showing late payments when it is not actually late. As well as the balance is incorrect. I have checked all three credit bureaus and all three information is inaccurate and show different information. From the comments, to date of last activity, to months reviewed. As well as I saw a recent article from the CFPB in regards to XXXX XXXX reporting incorrect information on auto loans. My auto loans is with : XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-01 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Ive paid that loan off we came to an agreement but it still showing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: CA

Complaint narrative:
These companies have reported late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ADDITION, I HAVE TRYED TO CALL COMPANIES STILL NO RESOLUTION TO MY VIOLATION. 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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:
These companies have reported late payments. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MARKED AS LATE WHICH NOW HAVE BEEN PAID OFF. XXXX XXXX XXXX XXXX XXXX XXXX ADDITION, I HAVE TRYED TO CALL COMPANIES STILL NO RESOLUTION TO MY VIOLATION. 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX the loan on my house was sold to a group of investors. My husband became sick and medically XXXX. I called Wells Fargo bank and they did a temporary loan modification on a variable loan but would not refinance due to my income was not enough and my husband was pending federal XXXX which further disqualified us. The payments became so high and the bank foreclosed in XXXX. We attended workshops out in XXXX, CA where other different ethnic people were able to modify to a reasonable permanent loan and were celebrated with bells and whistles. We literally were the last people out of the place ( we are XXXX  ) and was informed by Wells Fargo that we didnt qualify for a permanent loan modification due to our loan was sold to a special group of investors that would not modify it. This whole ordeal has led to my divorce and Im still currently unstable with living conditions. This was unfair practices as we were in a recession and my husband and I were discriminated against

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 2023-07-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: SC

Complaint narrative:
Boat loan M & T Bank act number XXXX. I make over my payment ever month They will not apply my over payment to my principal. They moved my payment out to XXXX XXXX XXXX I want to pay my principal down

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 2023-07-01 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: GA

Complaint narrative:
15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent.

Resolution delete accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.

Complaint narrative:
Respected sir/madam I am XXXX XXXX XXXX XXXX XXXX XX/XX/1997 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I had taken one loan from XXXX XXXX bank XXXX XXXX XXXX, which is continue and I am paying all XXXX  on time. 
But my credit report on THE EQUIFAX is very low due to some loans of XXXX rupees and etcetera which i had not taken from any bank. 
And due to this unknown loans my credit report is very bad. 

Kindly rectify my credit score for my brighter future Yours sincerely XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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:
I was a victim of identity theft. I have been trying to resolve this matter with Equifax for literally a year. I sent my affidavit along with my id and ssn. However, every time I call XXXX they tell me they never recieved any mail from me?! hopefully you can help me with resolving this this is in reference to an alleged account with XXXX acct # XXXX I dont know the dollar amount. I have attached a copy of my affidavit and ssn XXXX and id because for whatever reason the company has told me that they never got it in the mail form me. my most recent letter was sent with a return receipt and signed for on XX/XX/23 and the representative continued to tell me they had no record of a letter in their system please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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 — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: MI

Complaint narrative:
This is not my account. I have no knowledge of this account. I am a victim of identity theft. This is just one of a few accounts that were opened illegally. I need this removed from my credit report as quickly as possible. Yes I realize some of the information is the same or very close to the same as my real information. That's why it's called identity theft. Tell me what I need to do to have the account removed from my credit report it as soon as possible.

Company response to consumer: Closed with explanation