vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-24 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: FL

Complaint narrative:
These companies are in violation of 18 U.S. Code 1028A. Also, 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2023-07-24 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
Last month I filed a complaint with the CFPB, about how XXXX continues to place incorrect information on my credit report that is under my son XXXX XXXX XXXX and not belonging to XXXX XXXX XXXX. 
I have attached the conversation that was had with their representative XXXX, who confirmed that me and my son have our credit profiles combined and have been combined for some time now. ( See attached ) Neither of us are able to view our profiles and we have been blocked form the site. ( See attached ). I have asked for a copy of my credit report that I have not received. I have asked for method and proof of verification of the accounts in question in the last complaint I filed and still have not received that. The accounts do not belong to me, but they have shown no proof that it does. I want the following accounts removed from the profile of XXXX XXXX XXXX. 
XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX With both of us having a mixed credit profile, you are clearly not doing your jobs. 
I also want the XXXX XXXX 's that belong to my son removed from my profile. 
Hard Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  both XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: NV

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-07-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I purchased jewelry from XXXX 's XXXX in XX/XX/XXXX. The total amount I purchased was {$8000.00}. My promo plan was for 18 month no interest. I have always paid my bill on time and never missed a payment. XXXX of XXXX my promo plan had expired. I had just made a payment in XXXX of {$250.00} not realizing that promo plan was expiring. At that time my balance {$1200.00}. My balance on the account was {$1000.00} after my payment. Two days later I received notification that there was a large amount charged to my account. I contacted Comenity Bank and was told that I had been charged {$3000.00} of interest for not paying account in full I was charged interest in for the whole purchase of {$8000.00}. I explained to them that I was totally unware that the promo plan was ending. I just log on to the account and submit payment. I was told that if I looked at the bottom of the statement it would have told me. I asked if the could work with me to reduce some of the interest and they said no. I told them I would think about closing my account because they were not willing to work with me. A couple days letter I received a letter that they closed my account. 
I have made payment for XXXX. In XXXX I decided to pay off the account my balance was {$3900.00}. I payed two payments in XXXX ( XXXX ) {$250.00} ( XXXX ) $ XXXX which would have given me a - {$75.00}. I called in and spoke with a Rep and she said we would have a supervisor call you back to issue you a refund. A couple days letter I got a statement in the mail stating that I had a balance of {$15.00}. They had charged me {$90.00} in interest again. My account had a credit how could I be charged with interest again. I contacted Comenity several times and spoke with several reps and I was told that I owed that balance and there was nothing they could do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-24 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: MO

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-24 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WA

Complaint narrative:
I applied for an extension/forbearance. I was informed that I could forbear for 2-month increments for up to 12 months. My forbearance was accepted for XXXX and XXXX. I attempted to apply again to forbear for another 2 months since I am still unemployed and experiencing hardship. I was told that I need to wait 12 months before I can forbear again. This 1-year waiting period before using another 2 months of forbearance was not communicated to me in either verbal or written review of the terms of the forbearance. When I brought this to the attention of a representative over the phone, I was informed that the complaint would be made, but I would not be able to get additional forbearance until next year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( F )

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 2023-07-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( F )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: CA

Complaint narrative:
Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( XXXX ) ( F )

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 2023-07-24 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: IN

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-24 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: TX

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: Consolidated Auto Sales, Inc.
State: AZ

Complaint narrative:
On XX/XX/XXXX, called XXXX XXXX XXXX XXXX department. Spoke with a male employee, asked if he could check to see what loan was sent to collections when all my loans are paid off. He stated a letter should been mailed out regarding this. Stated no letter was mailed to me. He then transferred me to another person, a female employee. The female employee checked in their system verified all the accounts/loans under me. Confirmed there was no open accounts and the last time they reported anything to the credit bureau was in XXXX. Was asked if a title was received and it was confirmed by me to be correct.

Company response to consumer: Untimely response
Consumer complaint received 2023-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was frauded into depositing a check and then reversing the funds, the check never cleared and as a result I wound up transferring over $ XXXX of my own money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
- I purchased an Apple device financed through the Apple Cards finance plan. Apple 's pricing on the device changed after their annual conference, and as my order had not yet shipped, I sought to cancel and re-order the device at the new price. 

- Apple 's support told me that they had no way to cancel the order, but ensured me that I could immediately return the device upon receipt and receive a refund- I shipped the device back to Apple and received confirmation of delivery on XX/XX/XXXX ( from XXXX, signed for by Apple warehouse employee ) - I have since contacted Apple several times to follow up to get confirmation of receiving the device and told that my return is being processed. I have been promised it is, but still have not received credit on my account after over 1.5 months since Apple received the device back. 

- My credit score has been impacted by Apple failing to refund me in a timely manner ( due to credit overutilization outside of my control ), and my Apple card has been unusable for over 2 weeks, as my card is showing as having no available credit, despite me having fully payed off the card balance, installment balances on all Apple financed devices, and Goldman Sachs applying a provisional balance after I raised an additional dispute- I am currently looking to move apartments and this unexpected credit hit is adding additional injury on top of the amount of time and effort I have sank into following up on the issue, as I am losing out on apartment bids in a competitive rental market

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Future Judgement Solutions
State: UT

Complaint narrative:
FJS Global keeps trying to contact me over someone else 's debt. I have had my phone number for approx 15 years and I am not the person that they are trying to contact. I have told them multiple times to stop contacting me and they keep trying to contact me about monthly. I have spoken to representatives multiple times to stop calling and they haven't.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: GA

Complaint narrative:
I have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

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 2023-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/23 and XX/XX/23 Cash App stole money from my account claiming a technical error back from XXXX, caused the money from two transactions, both to XXXX, dated XX/XX/23 and XX/XX/23 not to be withdrawn from my account. I have screenshots from my account history on their app showing both transactions were completed at time of purchase. I also have a ledger provided to me by a supervisor at cash app showing the money was taken twice. They are refusing to put my money back they stole. I XXXX this issue and there are thousands and thousands of people with this same issue being told the same lie about XXXX XXXX transactions. This is wrong what they are doing to people. This is THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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: NJ

Complaint narrative:
Remove the following accounts : XXXX XXXX XXXX This accounts are in violation.

15 U.S.C. 1681b permisible purpose of consumer reports.

Credit reporting agency does not meet any circumstances.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Remove late payments violation of violation of : 15 USC 1666 ( b ), 15 USC 1681s-2 ( a ) ( 1 ) ( F )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24 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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-07-24 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: NE

Complaint narrative:
See the attached documents. I want the bureau to start teh investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I kindly request that you update my account immediately and rectify the inaccurate late payment entry. This situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it.

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 2023-07-24 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: WI

Complaint narrative:
On XX/XX/2022, I sent out disputes challenging inaccurate information that is illegally reported on my consumer report. Per section 611 ( a ) of the FCRA, CRA 's are supposed to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. Since then, I have sent letters MONTHLY to XXXX as well as XXXX and no one has updated my account to reflect the changes and ensure that the reporting is 100 % accurate. The following account is inaccurately reporting on my consumer report and is also in violation of 15 USC 1681i ( c ). I demand that the payment history on this account be updated as XXXX. XXXX XXXX Account Number : XXXX is inaccurately reporting an alleged late payment history and has not provided a copy of my entire payment history as requested. This error has damaged my XXXX XXXX and my rights as a consumer have been violated. A copy of my photo ID and address verification was included with each mailing so there is no reason my request should have been ignored. It has been several months now and this needs to be resolved. According to 15 U.S. Code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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