vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
To Whom it May Concern, DELL FINL SVCS XXXX XXXX incorrectly serviced my account, made it impossible to make payments, and will not remove the late payment mark from my credit history. A mark I could not have avoided due to their technical failures. 

In XXXX of XXXX, I tried calling the number listed on my mailed statement to pay my on my account to keep it current. The number listed was no longer in service. I then tried their web page, a representative told me I could not submit payments online for this account and I would have to send a check. I stated I had paid for years via the phone and they stated a change was made to these old accounts and they would only take a check. I tried in vain to find other numbers for Dell Financial Service that would answer questions about my account, but either found dead numbers or people who couldn't answer my questions. I sent a check to DFS on XX/XX/XXXX, past the posted date ( I had to order checks ) but not 60 days past. I received zero communication from DFS, only noticing in XXXX that my credit report was dinged for late payment on an account. 

Again all posted numbers in previous mailings I had received were dead lines. I called their headquarters several times until I got a human being who could accept my payment. They could not tell me what happened to the check, why the # 's posted and emails I had sent were unanswered, and when I asked if they could remove the late payment mark on my credit due to the circumstance, they said no one at Dell could do that. I then asked to escalate and was hung up on with XXXX resolution. 

The next month they sent a letter saying they had cleared my debt out, because my account was so old they could no longer service it. 

To summarize, I was able and willing to make payment on my debt. I made every good faith effort to contact them and pay on that debt on time, they never communicated a change in accepted payment method nor the deprecation of their payment/support line for my type of account. I mailed a check and they never responded with any issue or sent a letter of non-payment to say the check had not been processed. After finding a human that could take my payment, they still could not answer questions about my account. I feel like this mark on my credit history is extremely unfair and fear others may also be impacted with similar " older '' accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: OH

Complaint narrative:
This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX  XXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account XXXX : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits. I have report a complaint over this account that was never verified : XXXX XXXX XXXX XXXXXXXX Account Status : not accurate showing as open account. XXXX Terms Frequency : missing information. XXXX Account Type : is not accurate this account was reported as fraudulent over 3 years ago. Please delete this account at once. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required XXXX XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: FL

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 2023-11-29 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: FL

Complaint narrative:
On XX/XX/2023 I was checking my credit and was making sure I everything was paid on time and was still on the right track. I actually noticed that its some unauthorized hard inquiries that I didnt apply for that are there. Ive sent a letter to all three bureaus and told them that these inquiries are unauthorized, they still havent removed them. I dont know what going on or if the bureaus are working or its technical difficulties. But I would like to get a fair resolution to this issue by deleting these hard inquiries.

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 2023-11-29 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: CA

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

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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. 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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX 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 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 2023-11-29 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: 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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX XXXXXXXX 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 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 2023-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

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 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! Also i was never late on any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-29 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:
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 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! Also i was never late on any of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-11-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I purchased a {$500.00} XXXX XXXX XXXX issued by XXXX and serviced by InComm financial services. Upon opening the card, I realized it was tampered with. I called InComm to shut the card down and have it reissued. They asked me to send the front and back of the card, the receipt, and my driver 's license under case XXXX XXXX and tell me it can take up to 30 days to process. I wait until XX/XX/XXXX to call for an update. They ask me to please wait a few more days. On XX/XX/19 I call again. The agent was stuck like a broken record, repeating " you've submitted the documents, they've been received, it's over 30 days, but you haven't received a replacement, just a moment ''. He ultimately could give me no further resolution. So I'm left to make a CFPB complaint to get them to move on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
Student loan repayments began XX/XX/XXXX, and forbearance status was to disappear, giving me the option to do autopay repayments and receive a discounted interest rate and start payment back my loans. Called a week prior to this date to set this up. XXXX told me it would take 24-48 hours to process the status change, and I said, no problem. A week later, my log in at Aidvantage showed the same forbearance status and the standard 6 % interest rate, still. Called a second time and was told there was an Income Driven/SAVE plan in place/review and the initial request to make the loans current instead of forbearance could not process. So, the agent rectified the issue by processing my initial request a second time and told me it would take another 24 to 48 hours to process. Three weeks passed and still, Aidvantage online showed the same status/interest, and I was not allowed to sign up for XXXX and get the discounted rate. Payment status still showed no due payment until the forbearance was done in a few months. Again, I called, had the same conversation with another agent and was reassured that after they resubmitted my initial request a 3rd time, the correct status/rate would be reflected on my online account within 2 days. As of XX/XX/XXXX, more than 2 months after my initial request, my account still shows my loans are in forbearance, and XXXX is unavailable nor am I eligible for the discounted rate. Called a fourth time and, again, the agent confirmed my loan status as in forbearance with an Income Driven plan in place with no payments due until XX/XX/XXXX. XXXX went through the process a fourth time and assured me that my loans would get out of forbearance, show current payments due, be automatically enrolled in the XXXX, and I would receive the discounted interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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:
In accordance with the fair Credit reporting act ( XXXX XXXX XXXXXXXX Account XXXX XXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX XXXXXXXX Account XXXX XXXXXXXX ) ( XXXX XXXXXXXX Account XXXX XXXXXXXX ) has violated my rights! Also i was never late on any of these accounts ( XXXX XXXX XXXX Account XXXX XXXXXXXX ) ( XXXX Account XXXX XXXX ) and feel my rights are being taken advantage of 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!

In addition the law states : 15 U.S. Code 1681i ( A ) - Procedure in case of disputed accuracy ( A ) -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ;

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 2023-11-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XX/XX/2021 I purchased an air conditioner from Home Depot under the condition that it will be interest-free if paid in full within two year. 

I paid the full amount in full and within the 24 months yet I being charged {$1600.00}. Home Depot acknowledged receipt of the full amount and within the 24 months of the agreement but says that because their system only allows them information for few months only, they wont reimburse the interest. 
At one point I got a call from the H D and told me that they will return the charges but that I had to talk to Citibank. When eventually talk to the bank, they didnt know anything about the credit and the person who called me was no longer on the line, I have call H D over 10 times, sent many letters, including a certificate return receipt letter, but all to no avail. 
Please HELP me, I am a retired XXXX XXXX XXXX to whom this amount represents a fortune. 
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 2023-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/2023, I made a transfer from my Chime Checking account in the amount of {$1500.00} to an email address which Chime obviously can do. The money was sent at XXXX XXXX and Chime bank said someone claimed it at XXXX, only XXXX minutes later. The recipient has said they have never received it. I have contacted Chime at their support center many times via email and phone only to be told at least 10 different ways this should be handled. I finally consulted the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and they contacted Chime. The final result is that Chime refuses to talk about this any more unless I file a rebuttal, again, and now I have to wait for 45 days. I am asking for a refund or at least the information I requested. 

This money is quite important. It was for rent and other bills. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29 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: MO

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. I told the Transunion to reinvestigate these accounts : on XX/XX/XXXX - XXXX XXXX XXXX ( never applied ) ; on XX/XX/XXXX - XXXX via XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX ( never applied, already had an account with them ) ; on XX/XX/XXXX - XXXX XXXX, XXXX XXXX ( fraud/theft ). However, they stated everything was complete and accurate or still working on it, but it is been more than 30 days since I submitted the complaint. But also how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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