vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclays Card JetBlue Card XXXX The only reason I signed up for this card was during the booking of a JetBlue flight on XX/XX/2023. 

During the ticket purchasing, there was an option to apply for credit card and receive a {$200.00} credit on the flight I was purchasing. 

In the process of doing this, the Barclay/JetBlue site crashed. I ended up booking the flight and getting the credit card BUT the flight was not charged to this new BarclayCard. 

I immediately called back to BarclayCard and they said there was nothing they could do. Out of time, I just gave up in frustration, but the representative told me not to worry that I could get the {$200.00} by spending anytime on the card. Although I can not verify this, the representative acknowledged the crash on the website- it was down for XXXX minutes or so. 

Several months go by, I am charged the {$100.00} annual fee. 

As the end of year approached, this card has now COST me {$100.00}. I try to get back some semblance of value from this card but I was told that the {$200.00} would need to be used within the first 90 days. Well, first off, I was TRYING to use in the first 90 days by booking the flight. BarclayCard should have been able to rectify this issue. Second, I was never informed that there was a 90 day limit. I would have simply cancelled card at the time of purchase.

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 2023-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I found an XXXX XXXX on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!

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 2023-12-28 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: GA

Complaint narrative:
I found an XXXX XXXX on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: GA

Complaint narrative:
I found an XXXX XXXX on my credit report. I had requested it be deleted several times as it was not mine, I even offered and started to pay to get it deleted but still they are not removing it from my credit report. This is fraud!

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am at a loss of words. My credit reputation is being tarnished by this huge mistake on my credit report which is completely false and misreported. Transunion is reporting this record mistakenly on my credit report. The record is also incomplete, which is also another reporting violation.

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 2023-12-28 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: TX

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. 

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to dispute and request an investigation into the inaccurate information reported by XXXX on my credit reports. The account in question is currently in collections, and the reported information is not reflective of the accurate status of the 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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items removed from my credit report immediately. I am attaching proof that I was a victim and Equifax has done nothing to resolve this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: MD

Complaint narrative:
Elon Financial Services manages my XXXX  credit account. I have authorized " Auto Pay '' to be processed through my checking account. I receive a statement monthly for my balance due. On several occasions the company has received a credit from a vendor which occurs after my statement has been sent. They do not send or notify me that they will apply the credit when my auto pay is collected. When the amount of the auto pay is different than my statement, I have to call my credit union for the amount. This is an adverse system that affects my ability to correctly balance my checking account. 
My XX/XX/XXXX bill was billed for {$2500.00} on my statement but only {$1300.00} was collected. Elon Financial received a credit on my XXXX XXXX account of {$1100.00} after my XXXX account closing date but as it was received before my payment was due they applied the credit to my amount due on XX/XX/XXXX. The XXXX charge was then listed on my XXXX bill in the amount of {$140.00} which significantly affected my payment due on XX/XX/XXXX. This system affects my ability to budget for my XXXX charges and could not be employed if I were mailing my payment.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 2023-12-28 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: MI

Complaint narrative:
UNAUTHORIZED FRAUDULENT INQUIRES EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE UNAUTHORIZED FRAUDULENT INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
My home was damaged by XXXX XXXX. Insurance company issued money to fix home in the amount of XXXX. The contractor has submitted invoices, release of lean, also had inspection done to get portion of work that has been completed for payment. So, far XXXX, XXXX of work has been completed. They have only released XXXX and has not released any more money. I have been in a hotel since XX/XX/2023. The contractor can not complete any more work without getting more money for supplies and to pay vendors who have completed their work. I have called over 32 times and have submitted every piece of documentation they requested. They do not give you the option to talk to upper management.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: National Credit Systems,Inc.
State: SC

Complaint narrative:
My personal information was included in a data breach by XXXX. Ive recently noticed a rental lease charge off on my credit report for an address I have never had ties to. Ive tried to contact the company listed and was unsuccessful in having it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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:
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 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
On XX/XX/23 XXXX XXXX scammed me into paying him {$1000.00} for a washing machine. I paid him using his phone number of +XXXX ( XXXX ) XXXX through the XXXX XXXX app, specifically the XXXX feature. XXXX claimed he would deliver the unit upon receiving payment. He has not delivered the unit and his phone number is now inactive. Please help me, I feel hopeless about the loss of these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-12-28 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
Since XX/XX/XXXXXXXX  I have paid extra every month to be applied to escrow. To find out that all the extra money went to principal balance, which is not I requested nor stated in each memo when paying via bank transfer. I would like {$700.00} to be reversed from principle to due your company 's error, applied with the {$500.00} I sent in in XX/XX/XXXXXXXX  to be applied to XX/XX/XXXXXXXX  mortgage payment with the remaining balance of {$160.00} to escrow. I was toldby New rez in XX/XX/XXXXXXXX  that all extra would go into my escrow account, if I noted it. 
XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX  and XXXX XXXX  I paid extra in the amount of {$39.00} each month. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I paid {$79.00} extra. XX/XX/XXXX, XX/XX/XXXXXXXX  and XX/XX/XXXX I paid {$61.00} extra and the {$500.00} paid on XX/XX/XXXX should be in suspense waiting for the remaing {$530.00} to be sent in. 
Again please reverse {$700.00} that errously went to principal and apply my suspense of {$500.00}. Then I called XX/XX/XXXXXXXX  to make the remaining payment of XXXX to XX/XX/XXXXXXXX  along with the {$500.00}. To find out today they took out the {$500.00} but then applied the XXXX to principal balance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 . 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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing to dispute and request an investigation into the inaccurate information reported by XXXX XXXX on my credit reports. The accounts in question, held with XXXX XXXX, have been paid in full, and the continued presence of these accounts on my credit reports is having a significantly negative impact on my creditworthiness. 

The payments were made in accordance with the agreed-upon terms, and the accounts were subsequently closed in good standing. 

It has come to my attention that the inaccurate reporting by XXXX XXXX has resulted in a lower credit score, affecting my ability to secure favorable interest rates and obtain credit for various financial endeavors. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately reflects my creditworthiness.

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 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to dispute and request an investigation into the inaccurate information reported by XXXX XXXX on my credit reports. The accounts in question, held with XXXX XXXX, have been paid in full, and the continued presence of these accounts on my credit reports is having a significantly negative impact on my creditworthiness. 

The payments were made in accordance with the agreed-upon terms, and the accounts were subsequently closed in good standing. 

It has come to my attention that the inaccurate reporting by XXXX XXXX has resulted in a lower credit score, affecting my ability to secure favorable interest rates and obtain credit for various financial endeavors. I believe this reporting is in violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately reflects my creditworthiness.

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 2023-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: VA

Complaint narrative:
On XX/XX/27, I called Sallie Mae to update them on my XXXX  status. I took on a XXXX  XXXX  that never paid me, and tried to see if they would work with me to halt payments until I am working again. I've been having issues since XXXX when I initially started the new job. Had to deplete my XXXX to make my XXXX payment, plus pay off other bills. I have spoken with other creditors and lenders, and this is the only institution that is giving me issues. This is also the most expensive bill that I am paying. Sallie Mae is requiring a payment that can not be made, meanwhile I'm having to battle housing insecurity because Sallie Mae wants their money with their predatory 12.5 % interest rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation