vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Filed Chapter 13 on XX/XX/2016. XXXX and has been 7 years. Experian and XXXX continue to publish incorrect information.

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 2023-06-28 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: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-06-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: TX

Complaint narrative:
I purchased a wig as advertised on the website on XX/XX/23. The website stated the wig would ship within 21 business days. On. XX/XX/23 I requested a refund due to the wig not shipping when promised. On XX/XX/23 a shipping label was created. On XX/XX/23 the wig was dropped off at the post office to ship to me after my request for a refund was ignored. On. XX/XX/23 I received a damaged wig. I immediately contacted XXXX XXXX via email and was ignored until XX/XX/23. A return shipping label was emailed to me. I placed the wig in the mail to be returned to XXXX. XXXX has confirmed the wig to be damaged and has confirmed that the wig has been delivered and is refusing to provide a refund. I initially disputed with apple and they closed the dispute advising that the money was refunded. After discovering that the funds were in fact not refunded they reopened the dispute. Forced me to wait 90 days only to close the dispute again saying the merchant did not provide a damaged item. 

I provided them pictures of the damaged item. Proof that the item was returned to the merchant and proof that the merchant received the item and has refused to refund me. Apple/Goldman SACHS allegedly investigated but the merchant has not shown proof that I was provided with a refund after receiving the item back into their possession. 

This experience has been THE WORST experience I have ever had with a bank and once this is resolved I will be closing this account for good. Unfortunately, I do not have {$600.00} to throw away because apple and Goldman Sachs does not want to do their job and due diligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am experiencing issues with LexisNexis inaccurately reporting items to credit reporting agencies regarding my credit file. It should be noted that LexisNexis is not my creditor and therefore lacks the authority to report erroneous information to credit reporting agencies about my credit file. I dispute any claims suggesting a creditor relationship with LexisNexis based on a contractual agreement to report such inaccurate and incorrect information. I demand a manual review of my dispute to rectify and eliminate the inaccurate and incorrect information, which violates FCRA Section 623 ( a ) ( 1 ) ( C ), FCRA 623 ( a ) ( 2 ) ( B ), and FCRA 623 ( a ) ( 5 ) ( A ). I urgently request an investigation into my concerns and the immediate removal of this inaccurate information from my credit file, as mandated by law. Moreover, there are addresses listed in my credit file report that contain incorrect and inaccurate information. According to FCRA Section 623 ( a ) ( 1 ) ( C ) and FCRA 623 ( a ) ( 2 ) ( B ), it is evident that this information is inaccurate, requiring immediate investigation and removal of such inaccuracies. In addition, I request that LexisNexis notify all credit reporting agencies about the inaccuracies and incorrect items that they have reported regarding my credit file. LexisNexis is not my creditor and therefore lacks the authority to report erroneous information to credit reporting agencies about my credit file. It is crucial for them to rectify this situation promptly and inform all relevant agencies of the necessary corrections to ensure the accuracy of my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: CA

Complaint narrative:
I hope this note finds you well. I'm reaching out because I've noticed something weird with my credit report. For my account : Account Name : XXXX XXXXXXXX Account Number : XXXX It's showing that I've had five late payments. But here 's the thing, I've never been late on my payments for this account. 

Consumer Reporting Agencies are pretty important, right? I mean, you guys need to be on the ball with accuracy. This is why I'm reaching out to you directly - to clear this up. 

I'd be really grateful if you could check into this for me. Could you send me copies of the statements where it shows these late payments? If it turns out there's no proof of my payments being late, then it's only fair that these be updated to show that I've paid on time - because I did. 

I know mistakes can happen, but this mix-up with my payment history on this account isn't accurate. So, could you please help me out here and sort this out ASAP? 

Thanks a bunch for looking into this. I'm looking forward to getting my credit report fixed up right.

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 2023-06-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have made several attempts to have this corrected. My credit file is being mixed up with someone else who has a similar name and social as mine. I mailed a letter asking Jefferson Capital Systems to verify the debt owner on XX/XX/XXXX. I never received a response, but it shows up on my credit with a note stating it meets FCRA requirements. I mailed a letter on XX/XX/XXXX requesting to see what information was used to verify the debt. I have not received any communication from Jefferson Capital Systems. It has been more than 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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 urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress. It is crucial that you rectify this error without delay. I kindly request you to thoroughly investigate the situation and expedite the removal of these unauthorized accounts from my credit report as soon as possible. Your urgent attention to this matter is greatly appreciated.

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 2023-06-28 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: I.C. System, Inc.
State: FL

Complaint narrative:
This company is fraudulently reporting an account that was already handled and deemed inaccurate last year. I fought with XXXX XXXX over this account and the entire exchange was and is still documented through the CFPB website. Apparently this is some low level, third party debt collector who now thinks they can re-report this to my account and attempt to ruin my financial reputation. This is extremely damaging to me and I will not hesitate to immediately take this to litigation if they do not remove it. I demand this company provide the original, wet ink signed document between the consumer and the alleged original creditor, along with all the other requirements to validate and verify this alleged debt, pursuant to 15 USC 1692g or cease and desist all reporting and collection efforts.

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 2023-06-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I made a purchase from Banana Republic using the XXXX card provided by Barclays XXXX. My bill came due, and I made a payment on XX/XX/XXXX, posted on XX/XX/XXXX, in the amount of {$55.00}. Everything was fine until yesterday, XX/XX/XXXX, when I received an email telling me that my bill is due - I'm behind on payments totaling {$57.00}. I checked my orders, my purchases, my checking account, and that number did not correspond to any purchase. I then checked my statement online, only to see that I'm late on my last payment- apparently, Barclays was " Unable to locate external bank account '' on XX/XX/XXXX, and never informed me. They also removed my bank account information from my profile when I looked further into it. 

I reached out to them and they said I have to turn on email notices and that they have every right to charge a late fee ( and subsequently report me to the credit bureaus ) because they couldn't handle the problem on their end. 

I don't know what email notifications need to be turned on, but I get everything from them. Regardless of whether I want to be signed up for their marketing emails, they should have notified me immediately as to give me an opportunity to rectify the situation. They did not, and they put me responsible for their error. 

This has been an ongoing issue - I had stopped using their cards and left retailers that use their services because of their failure to send statements and notices on time, claims that the customer doesn't have their settings properly configured, and generally horrific customer service.

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 2023-06-28 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: ND

Complaint narrative:
I received a copy of my credit report and notice some hard inquiries that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded 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 2023-06-28 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:
The XXXX XXXX account balance being reported on my personal credit report is inaccurate, false, and incorrect. The account balance is not reporting a large payment sum made and therefore reporting a balance that is inaccurate, false, and incorrect. The balance being reported is immediately incorrect, inaccurate, and false, which must be updated to reflect the correct, accurate, and true balance as required by law to report in my credit file. I am demanding pursuant to The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq that XXXX XXXX immediately update my credit report and only report a correct, accurate, and true balance statement at all times.

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 2023-06-28 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 explanation
Consumer complaint received 2023-06-28 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: FL

Complaint narrative:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect 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 2023-06-28 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 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: IL

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-06-28 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: DISCOVER BANK
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, these creditors XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The XXXX XXXX, and Discover Card have violated my rights. Under 15 USC 1681 section 602, it states that I have the right to privacy. Furthermore, 15 USC 1681 section 604a, section 2, states that a consumer reporting agency can not furnish an account without my written instructions. Lastly, 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open-ended consumer credit plan as late for any purpose.

Please update my credit file in accordance with sections prescribed above. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-29 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:
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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2023-06-28 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Purchased a night stay on XXXX for XX/XX/XXXX and checked in room at midnight but discovered the room not clean as decribed had shower water leaking into bedroom and caused flooding, toilet broken and had insects crawling in room and laying eggs, couldnot sleep due to smell and flooding, host promised to send cleaners in morning but did not, so I left in the morning, leaving keys behined, Tried to get credit from host who does not respond, so turned to chase Bank on XXXX XXXX who said can not help in this case & suggested to call XXXX XXXXXXXX, which i did but unable to reach their corporate office, all their phone numbers end up in XXXX and the reps did not let me speak to anyone in corporate office.. Please help...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I opened a new XXXX savings account under a promotion offer code : " XXXX '' at the branch on XX/XX/2023. I received a promo code validation from the banker. 
I have met all offer requirements ( please see description below ), but I did not receive the {$520.00} bonus. 
The bonus requirements are as follows : XXXX. " Open new account with {$25.00} in a branch. '' I opened my account at the branch on XX/XX/2023 with {$25.00}. 
XXXX. " Bring {$25000.00} or more in new money to your new savings account by Day 30 and maintain at least a {$25000.00} balance through Day 90 after account opening. '' In my case I needed to bring a total of {$25000.00} or more by Day 30 was XX/XX/2023. By XXXX XXXX, XX/XX/2023, I brought in a total of more than {$25000.00} in new money, and by Day 30 I had a balance of {$25000.00} in my savings account. I maintain the funds in my account through Day 90 after account opening. Day 90 was XX/XX/2023. I maintained the funds in my account until XX/XX/2023. 
Although I met all the requirements, I did not receive the {$520.00} Savings Bonus.

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