vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXX ) XX/XX/XXXX Comenity Bank acquired the XXXX credit cards from XXXX XXXX. 
Around that time i required to receive as a credit to my account : {$880.00} or rewards accumulated over time. I noticed that Comenity was not paying the rewards. I called in XX/XX/XXXX for the first time. They answered by saying they were putting this claim as a dispute. And dispute require 3 months to be answered. And they refused communications until 3 months passed. At the end of 3 months, i called again, and they said they were placing again the claim in another dispute. In short they use tactics to avoid the payment of rewards. Their customer service told me that i was not the only one. They decided not to pay the rewards when they purchased the accounts of XXXX. 
( letters document 1 ) On XX/XX/XXXX they credited my account with {$970.00}, but took back the money the next day. {$970.00} was the amount of rewards plus the cost of 18 % interests they charge. ( Document 2 )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There was a fraudulent charge placed on my credit card in XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to report the fraud. The charge was not removed until XXXX XXXX XXXX and my account was reported to the credit bureau as late for XXXX through XX/XX/XXXX. This is incorrect as there were no other charges on the account, only the fraudulent charge.

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 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
In XXXX XXXX XXXXXXXX  SUNRISE CREDIT SERVICE put an account on my credit report. This account was made without my knowledge, and as soon as I was made aware of it I paid it off in full. The representative advised me that they do not report to the credit bureau agencies to delete an account even if it was paid in full. The facts is that I found out about and paid this account all within 10 days, had they made me aware of the account i would have paid it before it was reported. They did not send me a letter and thru my contact with Sunrise Credit Service I know that they had my email address and they did not make any attempts to contact me there either.

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 2023-05-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I purchased a United Airlines ticket using my Chase United Explorer Visa on XX/XX/XXXX for {$1900.00}. I opened this account specifically because the card offered Trip Cancellation/Delay insurance and offered me points for purchasing a United flight XXXX 

My flight was scheduled to depart on on XX/XX/XXXX. However, due to inclement weather ( there was a large winter storm system affecting the entire country ), one of the legs of my trip was cancelled, and I was forced to rebook to a nearby destination the following day. This required me to book a last-minute hotel and pay for meals ( {$380.00}, not covered by United, they do not reimburse for weather ) and book a land taxi and water taxi to my final destination. 

On my return trip, the last leg of my flight was cancelled due to weather, and I was told no flights were available for multiple days. Therefore, I rented a car for {$240.00} and drove the 7 remaining hours home. I filed a claim with XXXX XXXXt XXXX ( the vendor responsible for administering Chase 's trip delay/cancellation insurance through XXXX ) on XX/XX/XXXX. I provided them with my original itinerary and charges, screenshots of the texts from the airline announcing the delays and cancellations, a receipt for my taxis, and a receipt for my hotel and food. 

On XX/XX/XXXX, they responded requesting a copy of my original itinerary ( which I had already provided ), and any credits received from United Airlines. I supplied this information. On XX/XX/XXXX, they responded requesting receipts for my meals. I supplied the receipts for my meals. There were several phone calls with customer service reps in this timeframe asking them to confirm that they had everything they needed, which I was assured they did. I followed up on XX/XX/XXXX as I had not received a final response, and was told my claim was in the final review stages and I should have a response soon. 

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX asking me to supply my original itinerary, a copy of the rental car receipt, and a copy of my rescheduled trip ( all items I had already provided ). I called XXXX XXXX XXXXXXXX for an explanation, and they stated someone would review my claim within 6 business days, and they would try to have the claims examiner call me within 48 hours. Meanwhile, almost 6 months have already passed since the filing of the claim. 

I believe this " benefit '' of trip cancellation/delay insurance is a scam in which ChaseXXXX XXXX XXXXXXXX attempts to prevent consumers from using their contractual benefits by drawing out review periods and continually asking for documentation that either ( 1 ) has already been provided or ( 2 ) was never mentioned in previous communications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-30 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem,

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 2023-05-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: OR

Complaint narrative:
Oregon revenue, should have send me the remainder of my state tax, it should have been two deposits for XXXX dollars, only receive one of them form cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB, in order to address the situation and protect my rights as a consumer.

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 2023-05-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The last report I filed which was closed without any results XXXX, I am still waiting for the response from XXXX containing the ORIGINAL paperwork from XXXX XXXX that I signed holding me responsible for this charge, I do not have any current balance with the XXXX Hospital that I was tooken too, all my imaging was done at XXXX. XXXX did not inform me that XXXX XXXX would be the company too interpret the results of my Imaging reports. My insurance company has tried too contact XXXX XXXX also with no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : MY NAME IS XXXX XXXX, IM HAVING A PROBLEM WITH FORD MOTOR CREDIT, BACK IN 2018 THE LOAN I HAD WITH THEM WAS PAYED OFF WITH XXXX XXXX XXXX XXXX, FORD SAID I OWE THEM XXXX AND THEY PUT THAT ON MY CREDIT REPORTS, XXXX, XXXX, AND XXXX. I CALLED THE XXXX XXXX AND THEY SAID IT WAS PAYED OFF TOO THE COMPLETLY. IM VERY UPSET ABOUT THIS, THIS HAS REALLY MESSED UP MY CREDIT. I WOULD LIKE THE TO BE REMOVED FROM MY CREDIT FILES RIGHT AWAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/2022 I filed CFPB Complaint # XXXX. I received the attached email on XX/XX/2022 from a resolution specialist at Bank of America 's Regulatory Complaints Department, asking to confirm I am the party who filed the CFPB complaint. I confirmed filing the CFPB complaint and requested copies of the evidence the bank has regarding the fraudulent transaction and I never received such evidence from the bank. The bank has now re-opened the dispute and I am again requesting the evidence in the bank 's posession be sent to me so I can examine it and be afforded due process rights to challenge said evidence. In the interim, I have paid the full disputed balance and I am requesting the {$220.00} in accumulated interest charges be waived since the bank has re-opened the dispute.

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 2023-05-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30 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: CA

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

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 2023-05-30 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: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. I called CFPB and you called me back apologizing saying you will update it to paid on time for month of XXXX because it was reporting error and that error is showing up on XXXX information. 
The FTC report ID number is 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 2023-05-30 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Im a victim of identity theft and fraud. I have notified the creditors/agencies several times that the accounts & inquiries are fraudulent & do not belong to me. I have not in any way received goods or services from these companies. I have provided the proper authorities my FTC ID THEFT AFFIDAVIT with a sworn statement regarding the fraudulent accounts and inquiries. The documents have been submitted to all credit bureaus as well. Again, I was not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 
Therefore these items must be deleted immediately. I called CFPB and you called me back apologizing saying you will update it to paid on time for month of XXXX because it was reporting error and that error is showing up on XXXX information. 
The FTC report ID number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. I am formally requesting that these matters be investigated properly and immediately. The account information listed directly below is inaccurate, and I dispute the validity of each. As per the FCRA you must delete all entries to my credit file that can not be proven to be accurate. Likewise, you must provide me with your Method of Verification. You are a partial owner of the E-OSCAR system, which has proven to be unreliable for the intended purpose of my dispute and does not constitute the legally required independent investigation that you must conduct.For clarity, the sections of the Fair Credit Reporting Act of 1970 which are referenced within this letter are : Section 604, Section 609, Section 611, and Section 623. I will assume that by the very nature of your business, I do not need to provide definitions of what is covered under each of these sections individually.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
There was a fraudulent charge placed on my credit card in XXXX XXXX XXXX. I contacted Bank of America to report the fraud. The charge was not removed until XXXX XXXX XXXXXXXX and my account was reported to the credit bureau as late for XXXX through XX/XX/XXXX. This is incorrect as there were no other charges on the account, only the fraudulent charge.

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 2023-05-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Zions Debt Holdings
State: MO

Complaint narrative:
Years ago I opened an account with XXXX XXXX who installed a security alarm at my residence. 

I was offered a small referral fee to refer friends and family. I referred XXXX XXXX to install an alarm at my fathers residence. 

The XXXX agent fraudulently used my information and opened and unauthorized account at my fathers residence to install the alarm. I was not made aware of the unauthorize account with XXXX until it went to collections. 

The current Collections Agency is Zions Debt Holdings who is demanding {$450.00}. I've attempted to remove this from my credit report without success therefore I'm asking for your assistance.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30 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: IL

Complaint narrative:
I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them.

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 2023-05-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
on XX/XX/23 I sent a letter regarding inaccurate information. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year, I have sent disputes and have made a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap I will not wait another 50 days to receive any response because clearly, they are ignoring me. Its been more than 30 days and have not received the investigation status or results gives a reason to immediately remove

Company response to consumer: Closed with non-monetary relief