vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I have cancelled a flight with XXXX in which I used my Barclays JetBlue credit card in the amount of {$340.00} plus my original XXXX points of XXXX ( which they say is the equivalent to XXXX in XXXX points ). I was refunded the XXXX in XXXX points but not the actual credit of {$340.00}. If XXXX XXXX XXXX is the equivalent to {$75.00}, how can XXXX XXXX points be the equivalent to {$340.00}. I would like to get a refund of the {$340.00} in full since I cancelled my flight. The flight reservation/confirmation number is XXXX. Thank 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 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I recently found an unauthorized credit inquiry on my report, dated XX/XX/2022, under the name XXXX FREE DISCLOSURE. This entity is unfamiliar to me, and despite a thorough review of my credit report, I am still uncertain whether this inquiry was generated by Trans Union LLC or TransUnion XXXX XXXX XXXX, both subsidiaries of TransUnion. I never consented to this inquiry, and the lack of transparency has raised serious concerns about the security of my personal information. 
I have formally requested an explanation and proof of authorization from TransUnion but have yet to receive a clear response. In addition to the unauthorized inquiry, I am also worried about the accuracy of the entity 's legal name. Any misidentification could lead to significant legal and financial consequences. 
By sharing my experience, I hope to raise awareness and help others who XXXX face similar challenges with unauthorized credit inquiries and issues related to credit reporting agencies.

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 2024-08-18 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: HW Holding, Inc
State: CT

Complaint narrative:
They reported a debt I believe which negatively affected my credit report and hasn't provided debt validation for XXXX business days past initial contact about debt which I believe is to be mandatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Klarna AB
State: SC

Complaint narrative:
I WOULD LIKE A REFUND AND THESE COMPANIES TO RESPOND BETWEEN AND STOP TAKING OUR MONEY FOR NO REASON AT ALL. I WOULD LIKE A REFUND IF MY MONEY BACK AND THIS TOOK OFF MY KLARNA ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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:
I reviewed my consumer reports and noticed that I had XXXX late payment on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/year>. Please investigate and provide proof with statements showing that this payment were late. If no proof can't be provided I demand this payment to be updated to paid as agreed on time as they should be due to the fact that I was never late. Thanks! Please see screenshot attached

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 2024-08-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I request for the payment to get correct on my credit file I was never late for this account in XXXX of XXXX or XX/XX/XXXX. XXXX was taking out my account and I can see that the credit card payment was made to my self builder credit card. Please update the account and change the late payment to paid on time. Here the account name and number : XXXX XXXX  account number XXXX. I have proof payment was made.

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 2024-08-18 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: FL

Complaint narrative:
Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 

XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 

XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 

XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 

XXXX. Proof that the original creditor securitized the debt. 

XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 

Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

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 2024-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I start a business ( XXXX XXXX XXXX ) with an attorney ( XXXX XXXX ) from XX/XX/XXXX thru XX/XX/XXXX. I put up over {$250000.00} to start up the company while XXXX XXXX only brought her experience as an attorney. We ended the partnership on really bad terms because she used her law expertise to steal the business from under me. She went to Chase Bank where I have my checking account ( balance {$15000.00} ) and savings account ( balance {$47000.00} ) frozen and they unlawfully gave her all my money. They did not give me a chance to respond. Chase Bank acted recklessly and caused a tremendous amount of hardship for me for this unlawful action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: IN

Complaint narrative:
THEY WERE NOT ABLE TO PROVIDE ME WITH THE VALIDATION OF DEBT WITH THE ORIGINAL CONTRACT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I was banned from Venmo on XX/XX/year>. I was told the funds in my account ( {$470.00} ) would be held for 180 days to make sure there are no company losses. However they have no ground to ban me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
My flight was cancelled by XXXX  last minute. I had to book a hotel, XXXX, food, and flight. This should all have been covered by the travel insurance. I have submitted everything. I should have been paid within XXXX days and its been OVER XXXX months. I have submitted all the proof several times and they are not paying me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
In preparation for the cooking class, which was to occur on XX/XX/XXXX, on XX/XX/XXXX, while in XXXX, XXXX XXXX accessed her account to find out the cooking class was cancelled. XXXX along with my sister, XXXX XXXX, contacted XXXX to inquire why the class was cancelled and notification was never provided. A call was placed with the host of the cooking class the call went unanswered. 
On XX/XX/XXXX, I opened another dispute with Cap One XXXX, disputing the cooking class charge for {$1200.00}. Cap One requested I submit supporting documentation before XX/XX/XXXX. This request was made via an online letter, I never received a physical letter, and I missed the request. I received an email on XX/XX/XXXX, that they would close the dispute. On XX/XX/XXXX, I called Cap One, I explained that I did not receive notice of the request. I went on to explain the situation and that we did not receive a cancellation notice or a cancellation number. The representative told me to send what I had for further review. This was completed on XX/XX/XXXX. 
On XX/XX/XXXX, I placed another call to XXXX XXXX. After speaking to the representative, I was told that the picture and the email I sent was not accepted. I was then instructed to submit a Progressive Letter ( I dont know what that is, nor could she tell me ) and that I needed a cancellation number. I explained I do not have a cancellation number and again she told me to send what I had. Additionally, I explained that both of my excursions were purchased through viator and I had to dispute XXXX  charges with my credit card company because XXXX has been unresponsive. 
Communication via email, between my travel agent ( on my behalf ) and XXXX have occurred on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
Most recently, I received a letter from XXXX indicating that a chargeback has been submitted for this transaction and once submitted, all correspondence regarding further action or resolution will be escalated to the XXXX XXXX. XXXX confused as to why the delay in my refund when XXXX has record this excursion was cancelled by the host, not me. 
I am being held responsible for the cost and interest of an expenditure that never happened, and not at my doing. This is causing me tremendous angst and panic attacks to get resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Continental Services Group, Inc. d/b/a ConServe
State: CT

Complaint narrative:
I received no notice from this company and now have a negative affect on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-18 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:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account. I have included a screenshot inside this complaint in on dates of XX/XX/XXXX, and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments to be updated to paid as agreed on time as they should be due to the fact I was never late. Thanks! Please see screenshot attached.

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 2024-08-18 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: IL

Complaint narrative:
I request for the payment to get correct on my credit file I was never late for this account in XXXX of XXXX or XX/XX/XXXX. XXXX was taking out my account and I can see that the credit card payment was made to my self builder credit card. Please update the account and change the late payment to paid on time. Here the account name and number : XXXX XXXX account number XXXX. I have proof payment was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-18 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request for the payment to get correct on my credit file I was never late for this account in XXXX of XXXX or XX/XX/XXXX. Payment was taking out my account and I can see that the credit card payment was made to my self builder credit card. Please update the account and change the late payment to paid on time. Here the account name and number : XXXX XXXX/ account number XXXX. I have proof payment was made.

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 2024-08-18 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$2400.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX XXXX  # XXXX : Balance : {$7000.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$36000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Balance : {$25000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$24000.00} : Date Opened:XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$14000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$10000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$7400.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$3000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$630.00} : Date Opened : XX/XX/XXXX Account Name : XXXX : Balance : {$630.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date OpenedXXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$0.00} : Date OpenedXXXX Account Name : XXXX XXXX XXXX XXXX Balance : {$0.00} : Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2024-08-18 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX : Account Number : XXXX : Balance : {$2400.00} Account Name : XXXX  XXXX : Account Number : XXXX : Balance : - {$2000.00} Account Name : XXXX : Account Number : XXXX : Balance : {$3300.00} Account Name : XXXX XXXX  # XXXX : Balance : {$7000.00} Account Name : XXXX XXXX XXXX XXXX : Balance : {$36000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX  : Balance : {$25000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$24000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$14000.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$10000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$7400.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$3000.00} : Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$630.00} : Date Opened : XX/XX/XXXX Account Name : XXXX : Balance : {$630.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX  XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX : Balance : {$0.00} : Date Opened:XX/XX/XXXX Account Name : XXXX XXXX XXXX  XXXX Balance : {$0.00} : Date Opened : XX/XX/XXXX Unauthorized Inquiries : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX VIA DEALER XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2024-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: NY

Complaint narrative:
The status of my loans continued to be repeatedly changed to " Awaiting Form Administrative Forbearance '' and when I call Aidvantage no one from customer service is able to give me a straight answer. Previously I was told that there was a duplicate application form for the SAVE IDR program that was filled out and most recently I was told the Dept of Education placed my loans on forbearance but was not told why. Due to this forbearance I have not had to make any payments even though I am happy to and interest has been accruing on the loans which would not have if the loans were not on this forbearance and I was making payments ( due to the SAVE plan I am in ). I was also told the forbearance would end in XXXX and then it continued into XXXX.

Company response to consumer: Closed with explanation