vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-14 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: Risecredit, LLC
State: SC

Complaint narrative:
Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the ftc online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, date of last activity verified and provided to me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: LoanCare, LLC
State: FL

Complaint narrative:
In XXXX I my mortgage was approved for forbearance. At the time my XXXX payment had not been paid. I was told over the phone by an employee of LoanCare that once I submit my XXXX payment that my account would be current and would no longer report PAST DUE. On XXXX XXXX I made my mortgage payment which I then believed brought my account to current as I was previously told. My loan was in forbearance from XXXX. This company reported my loan as past due for every month my loan was in forbearance even after me bringing it current. I have reached out to them countless times and they still have no resolution for me. The last letter I sent out was XX/XX/XXXX. This is affecting my life in a negative way. This is inaccurate information.According to the Fair Credit Reporting Act, Section 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) of the FCRA- you are required to promptly report the credit obligation or account as current if the furnisher makes an accommodation ; such accommodations defined as " an agreement to defer 1 or more payments or forbear any delinquent amounts. With that being said I demand all late payments reporting from XXXX XXXX this account to paid as agreed, never late and the account report as current.

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 2023-03-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
I have 3 accounts with this subprime credit card company. 2 are due on the same day. I paid the minimum payment on both cards on XX/XX/XXXX. I received email confirmation of both payments as well. This morning I received an email and several alerts from credit monitoring companies that I missed this payment. When I logged in to the website, I got a screen I never saw before telling me that as long as I paid {$98.00} before my next due date, they wouldnt report me to the credit bureaus for missing a payment. I checked my bank account and neither payment had posted. Money is extremely tight at the moment, so I made an additional payment of {$50.00} and figured I would call to ask them to remove the late fee ( Ive never missed a payment ). When I look at my bank account this afternoon, I discover that both of the payments from XX/XX/XXXX have been withdrawn from my bank account. When I call to cancel the {$50.00} payment, they tell me my account is past due. When I press that it isnt, they admit they see the payment I made on XX/XX/XXXX. I reiterate that I want to cancel the additional {$50.00} payment. They keep me on hold for over 10 minutes, and by the time I speak to XXXX, the manager, its now too late to stop the additional payment. He tells me that I can call my bank and request to stop payment. I ask why I would waste {$45.00} on that?? XXXX also tells me that as long as I make another {$3.00} payment before my due date, I will be paid in full. I ask how I could suddenly owe {$53.00} for a monthly payment when last month it was {$45.00}, but he doesnt have an answer. At this point my login credentials no longer work ( but they worked less than 15 minutes before ), and XXXX offers to take my {$3.00} payment over the phone. I tell him absolutely not. He tells me to go to a different website address to login, which takes me to the same login screen, and my credentials work again. Now I can see my past payments and the pending {$50.00} payment, but I still dont see my {$45.00} payment from XX/XX/XXXX. At the least this is bad business practice, but Im fairly certain this is criminal or borderline criminal. They claim to have had a system error on XX/XX/XXXX and XX/XX/XXXX, but all 3 cards that I have run on the same platform and the other two accounts and other payment had no issues. Shame on me for not checking my email before paying another {$50.00}, but I have been working hard on my credit with the goal of being done with these 36 % interest rates, and I panicked when I got the notification that I had somehow missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: AZ

Complaint narrative:
I recently pulled my credit when I saw a change alert and saw many inquiries I do not recognize. They are not connected to me and I do not have accounts and have not contacted these companies. 
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 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 XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-14 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: AZ

Complaint narrative:
I recently pulled my credit when I saw a change alert and saw many inquiries I do not recognize. They are not connected to me and I do not have accounts and have not contacted these companies. 
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 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 XXXX XXXX XXXX XXXX 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 2023-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In accordance with the Fair Credit Reporting actXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 USC 1681 section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions. 
I sent dispute letters To Transunion, XXXX, and XXXX on the following dates XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, and XX/XX/XXXX, and I haven't received any response from the 3 credit bureaus listed above.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There is suspicious accounts on my report and I never gave permission for any of this information. See attachments below thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: MI

Complaint narrative:
On XX/XX/2023 I used my bill pay option to pay my credit card payment and today XX/XX/2023 the payment still have not reached my credit card company. The financial company ( Chime or XXXX XXXX  ) states the payment is has been processed, however they will not give me any paper work stating it was paid. I received a late fee from my credit card company XXXX which they said the payment never reached them. I have called Chime support 5 times and I have emailed the support team over 5 times. They are giving me the run around and this is just not fair at all. I need something or be done about this matter. I had to pay my debit {$80.00} yesterday just to get my credit back in good standing. In the mean time my bill check for {$150.00} never reached XXXX. I dont know what else to do in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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: U.S. BANCORP
State: IL

Complaint narrative:
Hello, my name is XXXX XXXX and I am submitting this complaint without error or influence from any third party agency or credit repair clinic. I do not con- sent to these fraudulent accounts. According to the FCRA, ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer re- port under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

This is my final and last written instruction that I demand you remove the following unauthorized accounts & data immediately to prevent further legal proceedings : - XXXX XXXX account opened XX/XX/XXXX  account number : XXXX NO PERMISSIBLE PURPOSE ( 15 USC 1681B ) -I HAVE NO CONTRACT OR LEGAL AGREEMENT WITH THIS COMPANY!

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 2023-03-14 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: MO

Complaint narrative:
I've disputed a fraudulent open account " XXXX XXXX  '' from Experian & somehow, they've verified the information within a day of investigation. The address that's report is even wrong by the creditor. How is the information accurate? I demand this information to be removed immediately. I've submitted open documentations that verifies my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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 XXXX has violated my rights. 
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 2023-03-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
I opened a new savings account with Ally Bank and deposited {$50000.00} by ACH transfer from XXXX  XXXX XXXX in XX/XX/XXXX in order to qualify for a 1 % bonus incentive plan ( in addition to their normal savings interest rate ) which required new money to be deposited and kept in the account until XX/XX/XXXX. The incentive program was to pay a 1 % bonus up to {$500.00} which was supposed to be paid by XX/XX/XXXX. The bonus hasn't been paid to date despite two inquiries I made to the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
This is in continuation of previous complaint number XXXX. In the letter from the bank in response to my complaint the bank said they would be willing to reopen my account or start a new one if I called the XXXX and I have tried to do that and they still refuse to reopen my account or start a new one I would like my complaint reopened and addressed appropriately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14 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:
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. 

Acct- XXXX XXXX XXXXXXXX Account name : XXXX  # XXXX Account name : XXXX  # XXXX Account name : XXXX # XXXX Account name : XXXX XXXX XXXX # XXXX Account name : XXXX XXXX XXXX  # XXXX Account name : XXXX XXXX # XXXX has violated my rights XXXX 

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 explanation
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MN

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 U.S.C. 1681. 

Company name : XXXX. Account number : XXXX Company name : XXXX XXXX XXXX. Account number : XXXX These companies have violated my rights. 

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 items of information, other than records of convictions of crime which auntie XXXX the report by more than seven years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to think that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14 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 — Overcharged for something you did purchase with the card
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
First the credit card company has been wonderful about trying to resolve this complaint. The problem is XXXX XXXX refusal to admit to incorrectly force me to purchase another ticket in order to fly. XXXX XXXX shares with XXXX where I purchased XXXX tickets from XXXX, FL to XXXX, XXXX on XX/XX/2022 for travel on XXXX XXXXXXXX XXXX Everything seemed fine, including a valid PNR in my XXXX account to this day. Seat assignments email reminders were sent and acted upon with no problem. Upon arrival at the airport we were told that my wife 's ticket had been voided. We stood at the ticket counter for 3 hours XXXX told us that we would have to purchase another ticket. Since it was 45 minutes before the flight, we had no choice but to do so for {$850.00}. There was nothing in the computer in my XXXX PNR nor as of XXXX XXXX on the XXXX PNR. How would a ticket voided on XX/XX/XXXX remain valid in both airline systems to this very day. Additionally, XXXX did not issue the ticket until XX/XX/XXXX. Both PNR 's are attached. 
XXXX does not maintain a customer service line and the only available communication is by chat. You can see that the agent in the chat, admits holding the ticket in question not as void but as 'not flown '. XXXX insisted i resolve the issue with XXXX. 
XXXX, though, issued the new ticket as a XXXX ticket not as a XXXX ticket and therefore the new ticket was the property of XXXX. My credit card company has tried twice to get XXXX to refund the {$850.00}, to no avail. 
I have never heard from XXXX or XXXX outside of the initial chat session. They document to my credit card company that the ticket was " VOIDED DUE TO REASONS UNKNOWN ''. How does that hold up anywhere. They don't know why the ticket was voided after 8 months time. Credit card company has all documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DataMax Corporation
State: NC

Complaint narrative:
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer must not furnish an account without my written instructions.

15 USC 1666 : A creditor may not treat a payment on a credit card account as open-ended consumer credit plan as late for any purpose.

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 2023-03-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

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 Date : XX/XX/2022 has violated my rights. 
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