vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-08 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: FL

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX # # # # # # # # # # XXXX XXXX XXXX XXXX closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX # # XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/2022 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 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 2022-04-08 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-08 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: A-L FINANCIAL CORP
State: CA

Complaint narrative:
I am disputing the account XXXX XXXX XXXX account # XXXX the collection agency has re-aged this account according to the original creditor A-L Financial Account # XXXX consumer disclosure file date of first delinquency XXXXOn record until XXXX XXXX XXXX XXXX is reporting 3XX/XX/XXXX On record until XXXX on my credit report. 

Under FCRA Section 609 ( a ) ( 1 ). this is a violation I have attached a copy of my supporting documentation report with the account in question circled. Thank you for your assistance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This complaint is for a collection account on my Transunion credit report. The account showing is XXXX XXXX XXXX. Listed XX/XX/2019. It has them as a lender. I have not taken out any loan or account with this company. For my report it does not show any account number just X 's and the amount showing is {$1.00}. 

I have contacted this company on several occasions and not able to get an resolution. I have spoken with customer service and fraud departments. Either some representatives are not able to either verify me ( which would make sense ), and others pick up info regarding an entirely different person. Provided address and that is not what they have on file for any account. 
I have asked for detailed information to be sent regarding account to me but they have yet to do so. Some stating since they are not able to verify then they can send. I notified them if that is the case how you are reporting something to the credit companies? This collection account is false, erroneous and fraudulent. 
Is it not true that a company has to notify a customer before placing items on a credit report. I never received any notification. This account is fraudulent, and has negatively impacted my credit and personal life for years. Please remove this account from my Transunion report and as well any information regarding this account.

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 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I used my Chase sapphire reserve card and associated points to book a trip for my family a couple of weeks ago. I was forced to rebook/change my return flight and contacted the Chase travel agent to assist me with changing my booking. After approximately six hours of being on the phone, and being call dropped several times, I was told that I could get a flight the following day. XXXX  travel agent informed me that I would pay approximately {$450.00} for a new flight return for myself, my wife, and lap infant. A confirmation email was sent to me and money was taking from my credit card. The next day upon check-in, the airline agent informed me that all the booking was made a ticket was not actually issued. Given the difficulties of traveling with a baby, I was forced to buy a new return ticket the following day directly through the airline. Upon returning from my trip, I contacted Chase travel to inform them that they took money without actually giving me a ticket on a plane flight. After several hours with a supervisor, I was given a very minimal point reimbursement. This was not enough to even cover the costs accrued to book the new flight. I was told that they would investigate this again and I would get a call back. It is now three days since that conversation and I have not heard back from anyone. I fully expect a refund of the booked flight that was made that did not have an associated ticket. Additionally, I asked if there was anything that can be done about the additional night I had to stay on my trip and the cost associated with that ( hotel, taxi, food ). Chase travel company is very unreliable and difficult to get a hold of. After multiple hours on the phone with call dropped they are unable to return my calls or resolve my issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I applied for a Sam 's Club Credit card in XXXX or XX/XX/XXXX. I was told at this time I could use the temporary card immediately. I assumed that my membership number with Sam 's Club would be the credit card number. This was my mistake. I made two on line payments through XXXX XXXX  for purchases made. When I received my credit card from Synchrony Bank I realized my error and wrote a detailed letter to the bank explaining my error and asking that the {$110.00} payment from XX/XX/XXXX and a {$250.00} payment from XX/XX/XXXX be returned to me. I gave them my Sam 's Club account number to assist them track the payment. I also paid these sums when I received the credit statement not to be delinquent. I contacted the banks complaint division and talked to numerous managers over the past 8 months trying to resolve this issue. I contacted XXXX XXXX and had a three way conversation with Synchrony Bank, Representative 's from XXXX XXXX XXXX on line payment centeXXXX verifying that the payments where made and received/cashed by the bank. The Bank constantly had additional questions and when I requested thaXXXX XXXX XXXX ( who I made the payments through ) speak in my behalf ; this was denied. The last two conversations I had with Managers at Synchrony Bank said that they would ask that the money be returned to me immediately since it was taking too long to resolve and the second Manager ( when I did not hear anything concerning the return of my funds ) said that she found that the dollars where applied to the wrong account and she would correct this. That was 2-3 weeks ago. The account in question ends in XXXX as referenced in the banks letters constantly stating they are looking into it. I have made minimum 10 calls and everyone I talk to says they will requests the problem be taken care of but nothing is ever done. ( No one has the power to resolve the issue ) I am asking for your help. This has been going on for over 8 months and this bank owes me this money and I believe has treated me poorly.. They would be charging me 20 % interest if I had not made the additional payments which where not credited and I believe I have done everything within reason to resolve this and am being ignored by this institution. Please help 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 monetary relief
Consumer complaint received 2022-04-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Associated Collectors, Inc.
State: WI

Complaint narrative:
On XX/XX/2022, I contacted Associated Collectors , Inc . and requested validation for my debt along with how the interests were accrued. On XX/XX/2022, Associated Collectors just sent a bill from XXXX XXXX XXXX. XXXX XXXX XXXX bill showed XXXX. Associated Collectors , Inc is reporting to Credit Bureaus I owe XXXX. I did not have a contract with XXXX XXXX XXXX that came with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX Account XXXX, XXXX  XXXX Account XXXX XXXX XXXX  Account number XXXX, XXXX  account number XXXX, XXXX  account number XXXX, XXXX  Account # XXXX, XXXX  Account Number 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 2022-04-08 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: TX

Complaint narrative:
This is inaccurate because I paid as agreed by the creditor. I have disputed this item for the past two months regarding late payment status that was inaccurate. 

There was no way I could be 30 days late in XX/XX/XXXX, when I made a payment on XXXX XXXX, XXXX, nor did this account close in XX/XX/XXXX, when it previously showed this account been closed since XXXX. Also, prior credit reporting on XX/XX/XXXX, reflected I was 30 days late but on XX/XX/XXXX, your agency reported I was current in XX/XX/XXXX, supporting my request. Your agency inaccuracies are affecting my credit score rating and under FCRA statue I may be entitled to compensation for this type of damages.

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 2022-04-08 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 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 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 2022-04-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX Account # 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 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 2022-04-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act ; XXXX Account # 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IN

Complaint narrative:
I received an automated phone call from Coinbase asking if I was trying to withdrawal {$500.00} from my account. I instructed the automated call I was not trying to remove the {$500.00} and I input the security code that was sent to my phone via text. The automated call was unable to process this. The phone called me back three more times where I attempted to input I was not trying withdrawal funds from my account. When I returned home shortly after the calls I logged into my Coinbase account and noticed my balance which was near {$700.00} previously was now approximately {$66.00} with a major withdrawal taking place recently. I contacted support and they were able to verify someone made this large withdrawal but they were unable to tell who made the transaction or where the money went. The company locked the account and then escalated the issue for research. A few hours later Coinbase said there were approx. XXXX transactions in their system where someone over the course of a few minutes transferred out {$4.00} each time. This occurred non-stop and their system never trigged this abnormal transaction to their security. The Coinbase account in question has not been used in nearly four months. They then said someone was able to convert frunds from one type of crypto currency into another type and then transfer them out of the system but have no records or identification of who. I later looked at my bank account because it is connected to Coinbase and noticed someone tried to remove {$1000.00} and transfer it to Coinbase. I spoke with my bank and alerted them to the Fraud. They have put a temporary credit on the {$1000.00} pending the investigation. Coinbase refuses to replace the stolen funds due to their lack of security. I work in financial services and a company that can not protect consumers money either in the account at Coinbase or at outside financial institutions should not be allowed to market to the general public on such a large scale. I placed my trust in their company to protect not only my funds with he company but my funds at my outside bank. It is unbelievable the federal government will allow a company to handle consumers money and not have the ability to know where funds went and how. If I were to transfer money from the institution I work for or at a bank this would be traceable and would be unlikely to happen. The date of this situation was XX/XX/2022 and amounts to roughly $ XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: EQUIFAX, INC.
State: KY

Complaint narrative:
XXXX XXXX has information connected to a different person on my credit report and refuse to remove the information with XXXX Credit bureau. 
I called and spoke to a XXXX XXXX Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from XXXX and a credit card account continues to remain.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
XXXX XXXX has information connected to a different person on my credit report and refuse to remove the information with Experian Credit bureau. 
I called and spoke to a XXXX XXXX Fraud representative that stated she could not find my full name in their data system. I explained the accounts are dated before I was established in the US. Then, she wanted my information to mail forms to be filled out. I was hesitant on providing my personal information but they were going to send forms and someone from the company would contact me. She gave me the Claim ID number XXXX on XX/XX/2021. 
Nothing was sent and no phone calls yet two accounts were remove from Experian and a credit card account continues to remain.

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 2022-04-08 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: Shellpoint Partners, LLC
State: NY

Complaint narrative:
My mortgage with SHELLPOINT MORTGAGE has been in forbearance since 2020 and they were supposed to send me a new forebearance letter every 90 days to show the account is sill in forebearance and is not supposed to report the account as late while in this status. Shellpoint has failed repeatedly to provided the forebearance letter and has continued report the account late to the credit bureaus and has ruined my credit rating. There was to be a single point of contact and everyone keeps passing the buck. Shellpoint has acknowledged that they made the mistake of reporting the account late, but they have yet to correct my credit report and has only provided a single letter of forbearance for a 90 day period. Shellpoint continues to push this on a back burner and it has continued to ruin my credit. I am pleading for help in this matter to restore my credit rating and remove all the late marks they put on there. This has been going on way too long and they are dragging their feet. tHEY HAVE YET TO PROVIDE ALL THE OTHER LETTER NEEDED TO PROVE THE ACCOUNTS WERE INDEED IN FOREBEARANCE ON BOTH MORTGAGES AND WERE NOT TO BE REPORTED AS LATE. I HAVE ATTACHED TO ONLY LETTER THEY EVER SENT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation