vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I had to change my payment date due to a sudden increase in the payment amount. When I checked the portal, my credit line had decreased, and the monthly payment had increased. 

I did not receive a notification of this change. I tried calling on XX/XX/2024, once I noticed the change. The representative who received the call was not helpful. In short, they told me my promotion had ended, and that's why I was being charged. I was trying to explain that I did not receive a notice, but they seemed annoyed and rudely said, " Anything else? No? Okay, bye. '' I tried calling again and was unable to get a hold of anyone. I reached out to the chat and asked to cancel the late fee that I noticed they added. It's extremely difficult to get a hold of a representative, and the notifications provided by our " XXXX XXXX experts '' have not been helpful regarding my account. 

It's not fair that I made some payments to lower my amount, and without notice, they decreased the credit limit and increased my monthly payments and interest. This is not acceptable.

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 2024-01-11 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy 15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.

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 2024-01-11 00:00:00
Product: Credit reporting 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:
In Accordance with the fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to Privacy 15 USC 1681 Section 604A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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: NJ

Complaint narrative:
I just look at my credit report again and according to 15 USC 1681e ( b ) you are supposed to provide MAXIMUM accuracy of my credit report. 

THESE ARE THE ACCOUNTS 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 ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX # XXXX I just got my credit report on XX/XX/XXXX and noticed some Accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681 ( 5 ) ( A ) ( i ) & ( ii ). At this point I believe they are doing this on purpose. According to 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
They must be XXXX because everything is inconsistent.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
My closed and repayed loans are now causing my credit score to go down. I have disputed this and have the screen shots of the loans saying repayed and closed as well as the 2 currently open saying in good standing. This issue has brought my score down significantly in the past month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Called Wells Fargo regarding my mortgage payment. Due to covid hardship asked to skip one payment which would be deferred to end of loan which they offered in the past. Wells Fargo stated no longer offer that option but referred me to XXXX  XXXX XXXX  XXXX for XXXX  XXXX  XXXX  for help. Once enrolled and approved Wells Fargo was told the payments would be received for 6 months bu the Government agency providing this program. No negative credit reporting was stated by rep at Wells Fargo due to enrollment in program and was notified first payment would take up to XXXX weeks to receive thru the referred program. Wells Fargo reported me 3 months late causing me harm, not being able to get any other loan due to this late reporting. When enrolled in a government hardship program due to covid, which is suppose to help individuals impacted by this illness, the lending institution should be required not to report the person late since they will be receiving the funds and the consumer made every effort during communication to pay their mortgage. Wells Fargo has a history of bad business practices and fraud and has been fined millions of dollars and still they are harming their customers, especially when enrolled in government programs to help the consumer. There should be government regulations that should prevent this type of harmful actions when participating in programs to help consumers due to XXXX. Wells Fargo also did not report positive payments received from the program to the credit reports to show payments were made up to date. I had to call and open a complaint with the credit company to update the information. Wells Fargo knowingly hurt my credit so I could not change lenders and get other loans.

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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
i ask why their is adverse effects on my account .That made my account go higher than I expected in the beginning of the insurance policy. My policy went from XXXX to XXXX dollars in one month. I asked the reason and never got any response from company or any statement with how it added to XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I called into Experian to get results on a complaint and they changed my middle name from XXXX to XXXX without my permission. I called back and they refuse to change it back to XXXX. I do not use XXXX as my legal name. I use 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 2024-01-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE & WEINER COMPANY XXXX Account : XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above. Someone from the executive level needs to contact me asap before forwarding to my attorney for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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: VA

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 inquiries 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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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: VA

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 inquiries 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 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was notified of a hard inquiry to my credit report for a Comenity Bank credit card for Kay XXXX on XX/XX/XXXX that I did not apply for. I have had issues in the past with identity theft and thankfully the card was not approved due to the fraud alert I have placed on my credit report. However, it is still showing as a hard inquiry and I would like that to be removed. 
I called XXXX on XX/XX/XXXX and opened a credit inquiry dispute I called Comenity bank and was transferred to a Kay XXXX representative who made a notation that this inquiry was fraudulent. I have tried to contact Comenity bank directly, but can not get through to a live person because I can not get through the automated prompts without an account number. 

I called XXXX who told me I could only dispute the hard inquiry by filing a complaint with the FTC and then sending them a letter in the mail. 

I just would like this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
my account is in dispute for unknown transactions and has sent to debt collector before the disputes were over. my account not in negative so why would I pay you anything?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting 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: IN

Complaint narrative:
I realized last spring to early summer that my credit report has multiple accounts I did not open. I know this because I had a XXXX  XXXX in XXXX. At that time I did not want to apply for any credit whatsoever. I married in XXXX and had a trial use if credit monitoring which alerted me my social security number has been found on dark web. Also, I was granted settlement from XXXX breach recently. XXXX or experian, one of those. I also have been notified I will receive compensation from XXXX breach. My purse has been stolen with my ID and ss card in XXXX and XXXX both were reported to local law enforcement. I have disputed numerous entries on my credit reports with all 3 bureaus multiple times this year online, vis uses mail, as well as phone calls. Still, there are multiple things on my report 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 2024-01-11 00:00:00
Product: Credit 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: FL

Complaint narrative:
I lost my wallet on XX/XX/2023 ( end of XXXX ) ( police report filed ) which included XXXX credit cards and IDs, I contacted BestBuy which I have XXXX credit cards with immediately before the purchases to cancel the old card and give me a new card with new numbers, they did what I said and I got the new cards but fraudelent charges still happened even though I had new cards and new numbers. I even got a call from Best Buy fraud department about charges and asked if I approved of them and I told them NO! I've been calling for the past 2 months and I still have a balance and they told me their fraud department takes 2 months to investigate the charges, I have been making the minimum payments and was told I would receive the money back for the monthly payments and the fraud charges ( total balance ) would go away. I called again today and the women told me the fraud investigation finished a while ago ( for a different best buy card ) and she is going to add the charges of {$1600.00} ( fraud ) to the investigation but I thought it was already been investigated 2 months ago! I just figured out they have been lying to me about making the monthly payments and I find that Best Buy Credit Cards are all a scam since every phone call is outsourced and sketchy,

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 2024-01-11 00:00:00
Product: Credit reporting 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:
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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
XXXX I purchased a coat, coat didnt fit I returned it. Old navy confirmed they received jacket I waited over 30 days for refund. I get refund and old navy still knowingly goes into account in XXXX and takes {$250.00} after my balance was {$30.00}. We resolve the issue after flagging a problem with FTC. They refused to call me back until I had to threaten authorities to report them then I got a call back. THEN AGAIN AFTER THEY SEND CHECK AND EVERYTHING GOES AWAY THEY RECHARGE ME ANOTHER {$210.00} for nothing and it shows in my statement I never purchased anything for {$210.00}.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It My Concern Dispute Center In reviewing my Equifax Credit Report on Friday, XX/XX/XXXX, I noticed my score changed from XXXX to XXXX by dropping XXXX points from previous credit reports. The drop in score is due to my XXXX XXXX account needing to be listed on my Equifax Credit Report. 

Since XXXX XXXX did not list my account on the Equifax report, the report showed a fair credit score versus an Excellent score. Earlier this year, I experienced the same problem with XXXX XXXX not reporting my credit information to Equifax, and it took months to rectify the situation. 

Since I am self-employed, my credit score assists with my borrowing capital. Please report XXXX XXXX on my Equifax credit report immediately to alleviate any problem with my XX/XX/XXXX credit report. 

XXXX XXXX XXXX XXXX  XXXX notified me by letter on XX/XX/XXXX, stating that they verified that the above-referenced account is reporting to my credit file and advised that I contact the credit reporting agencies directly to assist with my request. 

On XX/XX/XXXX, at XXXX XXXX I reached out to Equifax and spoke with XXXX XXXX Equifax representative identification # XXXX. He stated that I must contact XXXX XXXX to resolve the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit 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: CA

Complaint narrative:
I pre-ordered a TV on XX/XX/2023 through Amazon.com with an expected delivery of XX/XX/XXXX. The TV was actually sold through a company named XXXX. They provided a USPS tracking number which I can track through Amazon. On the day of delivery, I received an invoice and a letter claiming XXXX will reach out at a later date to deliver the TV. 

After contact XXXX for a refund, the person on the phone refused and said they would call me back, which never happened. Amazon support would not refund me because the amount exceeded the support agents refund limit and had to escalate. 

I decided to dispute the charge with my credit card providerChase. Because XXXX provided a tracking number for the invoice, Chase has decided that the transaction was valid and not their problem. 

I eventually received my refund, but now Chase is re-billing me the amount, claiming that they front-ed me the amount charged and are trying to get their money back. They also point to my refund from Amazon in my statements as the credit provided by Chase during the dispute. I appealed the decision and provided an email from Amazon indicating they refunded the amount, but Chase has denied the appeal and will not respond to further appeal attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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 2024-01-11 00:00:00
Product: Credit reporting 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:
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 response to consumer: Closed with non-monetary relief