vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: MN

Complaint narrative:
Received a promotional offer for 4 % interest rate on purchases made within the period, in XXXX, from Barclays. I called the company to verify my understanding of the offer ( that it applied to purchases made within the period, meaning that the interest rate would remain 4 % for the balance incurred within that period even after the promotion had ended ) and when they verified that was correct, I increased my credit limit and made a large purchase using the card. That has been the only charge on that card since then. 

I made regular payments and saw interest charges of ~ {$30.00} each month. On XX/XX/XXXX I received an email warning that the scheduled payment was lower than the minimum, even though I had changed nothing. Looking into it, I realized my interest charge had jumped from ~ {$30.00} to ~ {$190.00}. 

I called Barclays and they explained that my promotional period was over. When I explained that I had been explicitly told by a Barclay representative before making the large purchase that the promotion would apply to purchases made within the period instead of to balances within the period, the {$190.00} interest charge was comp 'd and I was told an investigation would be opened to review the account. 

On XX/XX/XXXX I called again to ask about the status of that investigation. The first representative repeatedly gave me incorrect and conflicting information, telling me that the investigation was ongoing, concluded, and never occurred at different points in the conversation. When I instructed her to close my account because I don't do business with companies that lie so blatantly, I was transferred to another representative who was falsely informed by the first representative that I wished to close the account because I don't use it. 

That second representative stated again that no investigation had ever been opened even though the {$190.00} interest charge had been comp 'd as promised during the initial call in XXXX. 

tl ; dr I paid ~ XXXX XXXX today to close an account with Barclays because they apparently will say anything they need to to get their customers to use their card or to stop complaining, no matter how false

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 2023-10-04 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: SC

Complaint narrative:
I filed a police report and an FTC report. I have submitted this paperwork and disputes to the credit agencies and is not getting processed correctly. I also am not getting copies of the verification process according to the FCRA>

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: SC

Complaint narrative:
I filed a police report and an FTC report. I have submitted this paperwork and disputes to the credit agencies and is not getting processed correctly. I also am not getting copies of the verification process according to the FCRA>

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2023-10-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my 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 2023-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sarma
State: TX

Complaint narrative:
XXXX XXXX supposedly I owe them XXXX $ and decided to send it to collector debt ( Sarma collection Inc ). 
I was patient at XXXXXXXX XXXX  and you have to pay the deductible before they start treating you, and we agreed about the the payment in advance and i paid my deductible in advance then my dental insurance will pay the rest, later on they decided to charge me extra because I decided to go to another company. I don't know they think they can charge me extra if I change XXXX I paid them all my parts and they need to stop bothering me. 
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 2023-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: SC

Complaint narrative:
On XX/XX/2023, I attempted to use the XXXX XXXX XXXX XXXX XXXX XXXX XXXX., to obtain {$60.00}, using my Chime Checking Debit Card. I went through the screen process of selecting which account I wanted the money from and how much money I wanted. After that my card was returned card and I immediately got a notification on my phone from Chime that {$63.00} had been deducted from my account but then a message came up on the screen that no cash was available. I immediately take my cell phone out take a picture and try and wait to see if anything else will happen and nothing does, so I drive off. I was going to call XXXX XXXX on XX/XX/XXXX later on that morning but saw that the transaction was pending. I decided to wait thinking, just maybe the money would be reversed once they realized the error when they went to put money in the machine, etc. XX/XX/, the {$63.00} was posted to my account ( along with {$2.00} Chime atm fee ). So I called XXXX XXXX and they told me to go to the local branch. I went to the local branch where the drive-through is located and was informed by employee XXXX XXXX that they do not service the drive through atm and she gave me a card with a number to call. She also informed me that in the near future, it is best to use the walk-up ATM, so if that happens, I can easily have my money returned. When I called the number provided I was informed that they could not help me because I do have a XXXX XXXX account and that I would have to go through Chime. I have file a dispute with Chime on XX/XX/ only to be told on XX/XX/ that it was denied and they have provided me with no single proof or evidence that have been in contact with XXXX XXXX. My case has been so called been reopened, but I know this is all talk, because when the representative told me if I had anything else to upload to help my case, I told her how can I do this, if within the app it still says CLOSED. She was like, it's still open if you call, and I would have to call and they would have to send a link so I can upload proof, which sounds like more no sense. I even spoke with Chime Dispute supervisors on a couple of occasions, if you truly talked to XXXX XXXX, all you had to do was ask for a picture of me receiving cash like they so-called claim ( which they will not be able to ). It's that simple, the atms has cameras for a purpose. I have filed disputes in the past with Chime and luckily for me, going through the merchant was the ONLY WAY I GOT MY MONEY BACK. In this case, I can not go through XXXX XXXX because they are telling me to go through Chime and Chime is DOING NOTHING!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NRA Group, LLC
State: FL

Complaint narrative:
The collection first appeared on my credit report in XX/XX/2023. The original creditor is XXXX and the original collection agency was XXXX XXXX XXXX. XXXX XXXX never sent a notice, I first became aware when the collection appear on my credit report. I requested validation of the debt. They did not reply and instead sold the debt to National Recovery Agency while verifying the debt as accurate with the credit bureaus.

I reached out to National Recovery to validate the debt and never heard back. My attorney sent the attached letter titled " National Recovery '' in XXXX and we never heard back/ they never took steps to validate the debt. Yet they continued to verify the debt with the credit agencies. 

Subsequently, my attorney sent the other letter attached " Letter to Credit Bureaus '' in XXXX. Yet somehow the company continues to verify the debt with the credit bureaus without providing any documentation or validation. 

I am not sure how/why I am stuck in this loop. But, bottom line, the debt was never validated/verified and they continue to blatantly ignore correspondence while somehow verifying the debt as accurate with the credit bureaus. As far as I know I paid everything I owed to XXXX. I think this is some sort of mix up that they absolutely refuse to prove.

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 2023-10-04 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: MD

Complaint narrative:
I spoke with the Clerk of Court at US Bankruptcy Court in XXXX, NC. They verified that they do not report data to the Credit Bureaus. 

However, previous disputes have shown responses from the bureaus as saying the information was " verified ''. 

I ask that the credit bureaus : Please respond to me in writing and include the method of verification under FCRA 611 ( a ) ( 7 ). This should include the following : 1. The name of the courthouse with which you verified the information.

2. The name of the person at the courthouse who handled your request.

3. The address of the courthouse 4. Which document did you obtain to verify bankruptcy?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: IL

Complaint narrative:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

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 2023-10-04 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: CA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights. Or a 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 2023-10-04 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: CA

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 Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 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 2023-10-04 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:
XXXX5 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 Dear CFPB, I am writing to bring to your attention significant discrepancies in my credit reports. I have reviewed my credit reports from XXXX XXXX XXXXXXXX, Experian, XXXX, XXXX, and I have identified numerous inaccuracies, including but not limited Theyre is incorrect account information, inaccurate balances, and accounts that do not belong to me. 
hard inquiries, collections, and closed accounts that dont belong to me or should not be public. 
I have taken the necessary steps to dispute these inaccuracies directly with the credit reporting agencies, but the discrepancies persist. I am concerned about the potential negative impact on my creditworthiness and financial well-being as a result of these inaccuracies. 
Hard Inquiries And closed accounts XXXX XXXX XX/XX/XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I kindly request that the CFPB investigate these discrepancies and take appropriate action to rectify the errors in my credit reports. 

Additionally, I have attached copies of any supporting documents that validate my claims regarding the inaccuracies in my credit reports. I believe that a thorough investigation will reveal that these discrepancies are indeed erroneous. 

I appreciate your prompt attention to this matter and your assistance in resolving these issues. Please inform me of the steps the CFPB will take to investigate this matter and the expected timeline for resolution. 

Thank you for your help in rectifying these credit report discrepancies and ensuring the accuracy of my credit history. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Phone XXXX Email XXXX XXXX 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 2023-10-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE INQUIRIES XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-04 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: NJ

Complaint narrative:
I DONT RECOGNIZE THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVE THESE INQUIRIES XXXX XXXX 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 2023-10-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04 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: IL

Complaint narrative:
I am writing this with the utmost urgency to draw your attention to a matter of the presence of fraudulent accounts, personal information and unauthorized inquiries associated with my identity. Upon a thorough review, I have noticed that certain accounts and transactions have been inaccurately attributed to me, without my consent. This has left me profoundly distressed and deeply concerned. I am a victim of XXXX Data Breach.

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 2023-10-04 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: MN

Complaint narrative:
I reported fraudulent transactions to XXXX and disputed it. However on XXXX, XXXX and XX/XX/2018. They are reporting that I was late on payments. I was never late on payments for this card. I am requesting XXXX correct this mistake as it has advesrly affected my credit opportunities. XXXX has been non-complant thus far.

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