vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-21 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: GA

Complaint narrative:
Transunion is providing inaccurate accounts on my consumer credit profile. The company has refused to provide me with their investigation process. By law the company is required to investigate anything that is furnished on my credit report. I have asked multiple times to provide me what method and or methods were used to investigate these accounts, and how did the company come to the conclusion that these accounts are accurate? The company is using an elaborate mechanism to do their work and is unfair and undermining my due diligence to extend credit. The CFPB recently released an article in detail that proves this company has not properly handled consumer 's disputes because proper investigations were conducted extensively. With Transunion 's misconduct, this has caused a strain on my personal life and has caused me hardship with extended my credit. Furthermore, I NEVER consented to tis information being furnished and this infringes upon my rights to privacy. I am demanding this information to be deleted permanently or I will escalate this and hold Transunion personally liable for their deception.

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 2022-10-21 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: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
On XX/XX/XXXX, I received the XXXX, XXXX or XXXX bill for a charge I did not incur. Despite several calls to the XXXX XXXX XXXX First National Bank of Omaha XXXX XXXX  ( XXXX XXXX ), and was told they would look into it and despite the fact there have been others on my account that were bogus and were cleared up, this one was not. The reason they gave for the denial is that I elected to participate in an initial trial offer and did not cancel. Total XXXX. I never heard of the company XXXX XXXX XXXX XXXX My research on this company showed that this company was a scam and other XXXX holders experienced the same outcome. Since my association with XXXX was XXXX of several charges to my account that I never made and were resolved satisfactorily, I dont understand this. As a result I cancelled my card. When these scam amounts were resolved, I would receive a new M card and sure enough bogus charges would appear. The amount I was charged was {$95.00}. After I was told they would look into it a {$30.00} fee was added to the. Talk about 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 2022-10-21 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: Bread Financial Holdings, Inc.
State: MS

Complaint narrative:
Commenity bank stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they've also violated my rights under XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : It also states a consumer reporting agency can not furnish an account without my written consent Also Commenity Bank took more than XXXX XXXX  to complete my investigation here is certified mail tracking # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TN

Complaint narrative:
Apartment complex falsified a debt, claiming broken down unit that they never fixed for the XXXX XXXX  l lived in that unit. 
XXXX XXXX XXXX the office collected my deposit on the XXXX day, refused to show me the unit l will be renting, instead they took me to a model unit that was in perfect condition. They claimed that the unit l will be renting is still be cleaned. When they finally gave me the key to the unit l will be getting, it was no where close to the model unit they took me to. When l complained to the XXXX she said l will not get my deposit back if l don't take the unit they are giving me. Been that l was almost XXXX XXXX XXXX with a then XXXX XXXX XXXX daughter, and the thought of losing my hard earned deposit, l took what l was provided with. The management never changed anything in the unit for the XXXX XXXX that we lived there. 
Now l broke my lease because the living condition has become unbearable with mold and roaches in the unit ; and they withheld my deposit of {$1100.00}, reported me to collection agency, that l owe them {$2000.00}, even after keeping my deposit of {$1100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: IL

Complaint narrative:
This is my XXXX  time not receiving an update about my investigation. I have been wasting my hard money on stamps, not response via mail or email and i am really disappointed about this happened yje account on. I am authorizing this complaint with proof of the disputes i sent out. Now please I attached my ID and utility bill to show who i am XXXX FDCPA Ive filed a civil suit against this XXXX XXXX and XXXX XXXX for this XXXX XXXX account that appear on my credit report. This is deceptive practices Account XXXX : XXXX As a consumer by law this account must be deleted immeidately

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 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Dividend Finance Inc.
State: GA

Complaint narrative:
This company as the financial arm in partnerships with both XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX, sold us a product using a deceptive contract and false promises. They ( together ) approved a significantly large loan in relationship to our debt-to-income ratio. Dividend Financial is an affiliate of XXXX XXXX XXXX XXXX XXXX. 

After the sale, the product ( solar panels ) does not meet the expectations as agreed upon during the sales meeting. The solar company 's person facilitated the loan with XXXX. 

They used electronic paperwork so finding the small details related to the loan was impossible. 

For example, I can not stop payments from being withdrawn from my account. 

They said they finance the equipment, not the solar power, the system is the collateral. 

Offered XXXX deferment but with interest accruing. They didn't mention that when they say they are trying to " help '' Taking advantage of middle-income XXXX veteran and retired XXXX veteran.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MI

Complaint narrative:
XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-21 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: MI

Complaint narrative:
XXXX XXXX XXXX violated my rights. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX A. States I have the right to privacy. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX : it also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-21 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX XXXX later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within XXXX XXXX gives a reason to immediately remove those items from my credit report. It has been over XXXX XXXX so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 2022-10-21 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: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
FEB - RETAIL continues to report inaccurate information to all credit bureaus. When I dispute the payment history they update the late payments to new a new month and year. I have disputed multiple times with the creditor because the information is simply inaccurate and for them to change the dates of when the payment was late every time I dispute is proof that they have been reporting inaccurate information on my credit report. 

According to Section 623 ( a ) ; 15 U.S.C. 1681s-2 ( a ), this is a violation to my rights as a consumer, and I ask for this account to be either removed from my credit report or the payment history be cleared for reporting inaccurate information on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MA

Complaint narrative:
contacted said company several times to resolve this matter but they are refusing to assist me & are being extremely rude and callous to my needs. I currently have an open dialogue with the loan manager at the bank & they're still refusing to correct the information being reported to the credit bureaus.

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 2022-10-21 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: MA

Complaint narrative:
contacted said company several times to resolve this matter but they are refusing to assist me & are being extremely rude and callous to my needs. I currently have an open dialogue with the loan manager at the bank & they're still refusing to correct the information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: MA

Complaint narrative:
contacted said company several times to resolve this matter but they are refusing to assist me & are being extremely rude and callous to my needs. I currently have an open dialogue with the loan manager at the bank & they're still refusing to correct the information being reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: OH

Complaint narrative:
UNRESOLVED FRAUD ISSUE ON MY CHECKING ACCOUNT I mailed a check for {$50.00} to XXXX XXXX XXXX in XXXX. I received my bank statement in XXXX. The check had been altered to XXXX XXXX for {$7000.00}. 
I notified the bank and the police of the fraud. I completed multiple forms for the bank and a statement for the police. The paperwork included an affidavit of unauthorized paper debit. I have contacted the bank multiple times with no success. I am looking for help moving this forward and resolving this issue. 

Every time I talk to the bank they request more of the same thing. Each time they push the resolution time later for a month more. As of this week they have pushed the time back to XX/XX/XXXX. This is going onto five months of delay. I need assistance getting my {$7000.00} back.

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 2022-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Giggle Finance Inc.
State: TX

Complaint narrative:
I wanted to pay off my loan, but the website will not accept my payment. Then, when I tried to contact the company to work it out, all contact information was wrong. There was no response. Now, there is no way to remove my card information from the system and stop them collecting each week. They want to charge me over {$1000.00} extra by not allowing me to pay off my loan now by having no contact information. I want this company prosecuted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: Nelnet, Inc.
State: TX

Complaint narrative:
I have reached out to this company to let them know I do NOT agree with the false reporting of these accounts and this is still reporting on all of my credit reports. Per FCRA 15 USC 1681 my privacy rights have been violated I demand an immediate response or I will be contacting my Texas State Attorney General and federal courts. 
SEE ATTACHMENT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I received a letter from Comenity dated XX/XX/2022, stating that my XXXXXXXX XXXX XXXX credit card account issued by XXXX XXXX  XXXX would be closed as of XX/XX/2022, and that I'd receive a new card issued by Comenity. 
My complaint is that there was no way to opt-out of this change. 
I had the card with XXXX XXXX XXXXXXXX for 20 years, and had no desire to change banks. In addition, I had never heard of Comenity. Finally, I have security freezes with all three credit reporting agencies, and didn't think an organization would be able to open a new credit account in my name without my permission. 
I tried calling all three organizations involved before XX/XX/XXXX : XXXXXXXX XXXX  XXXX XXXX, and Comenity, and was not able to reach anyone who could stop the process. Once Comenity took over on XX/XX/2022, I tried calling to ask that the account be closed, but I have tried multiple phone numbers and have not been able to reach a human being. I get stuck in a loop with the automated call service, which results in the system hanging up on me. The last time I called, I did get a response when I said " Close account '' but was told the information would be faxed -- and I don't have a fax number. However, faxing was the only option given by the automated system. 
I'm concerned with the effect of having an open, but unused account on my credit score. The automated system of Comenity has no option to speak to a customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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: IL

Complaint narrative:
Hi I am submitting this 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 homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-21 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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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