vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 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: 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name XXXX XXXX Account Number 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 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 2023-08-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX and XXXX XXXX, has violated my rights. 
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 reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ROAD Auto Finance, LLC
State: NC

Complaint narrative:
i already filed a complaint and this company is refusing to refund me my Money for the cancellation of the XXXX insurance. ive been told several different stories.i keep getting told they are waiting for payment from the XXXX. I spoke to the XXXX company and the finance company cancelled my XXXX. all while telling me the XXXX  accepted the claim. XXXX XXXX told me that it was closed on therwe end and that there is nothing else they do, they told me the refund comes from Road Auto Finance. there is no Payment coming from the XXXX so why and i been constantly lied to and not my refund issue. its been 4 weeks since the XXXX has been cancelled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
Comenity bank has called me multiple times in one day, for many days in a row. The calls range from 3-5 calls in one day. 
XX/XX/XXXX ( 5 calls, times not recorded, but screenshots available ) XX/XX/XXXX ( 3 calls, times not recorded, but screenshots available ) XX/XX/XXXX - XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX, XXXX, XXXX This is a direct violation of The Fair Debt Collection Practices Act ( FDCPA )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Cancl paid subscription for score on Experian, after cancelation... report showed last updated XXXX as of XX/XX/XXXX. Filed complaint and now service is asking to pay to update scores for both XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened an American express Delta Sky miles credit card in XX/XX/XXXX with a promotional offer of XXXX bonus miles. When I applied I did not receive any pop up message that said I would not qualify. I applied and received the card, I then proceeded to follow the rules in order to obtain the bonus miles. I charged over XXXX XXXXXXXX within the first 60 days, actually it was probably less than that. 
I called AMEX in XXXX asking when I would receive my bonus miles, I was advised by XXXX on XXXX @ XXXX that I didnt qualify and I would not be getting the points. She opened up a dispute case for # XXXX. I called XX/XX/XXXX and spoke to XXXX who told me that I DID qualify and that I should be seeing the points at the latest XXXX. 
I called in on XX/XX/XXXX and spoke to XXXX who looked at the dispute case and advised me that it was closed and it just stated that I didnt qualify. So he opened a new case for # XXXX and advised me to call back in 3 weeks for a status. I called XX/XX/XXXX and talked to XXXX who said there was no decision yet and would have a 2nd level manager call me back. Well that never happened so I had to call in yet again on XX/XX/XXXX and talked to XXXX. He looked into the complaint case and told me that the case was closed as I didnt qualify. NOT during any call as ANYONE been able to tell me EXACTLY why I didnt qualify for the bonus points. I requested a Supervisor so he transferred me to a XXXX. This guy spoke like he was reading from a manual and could care less about my concerns. You could tell he didnt care at all. Again he could not tell me why I didnt qualify! 
My husband and I have been customer with AMEX for over 25 years. 
I think its false advertisement how amex offered the bonus points and now say I dont get them but cant tell me why. I see XXXX XXXX XXXXXXXX just had a very large fine from the CFBP for doing this some thing! 
If you would like to speak with me I can be reached at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: MO

Complaint narrative:
I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The CMI Group, Inc.
State: CO

Complaint narrative:
I have had a collection on the account that belongs to my room mates, in which XXXX has failed to pull the payment from default payment option in the account and have charged me a collection. Now that I have paid the owed amount because I wanted it to be removed from my Account so that it doesn't effect my credit score it still does. And when the Credit specialist tried pulling my credit score for having a mortgage loan she still sees it and I am facing difficulties as it have reduced my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: DC

Complaint narrative:
I write this letter with deep concern and dissatisfaction regarding the responses provided by XXXX, Experian, and XXXX to my complaint. It is distressing to note that all three credit bureaus have failed to address the central issue raised in my initial complaint, revealing a lack of accountability and transparency in handling consumer complaints. 

As stated in my original complaint on XX/XX/2023, the core concern lies in XXXX XXXXXXXX XXXX XXXX failure to respond to a Debt Validation request within the mandated 30-day period. The supporting evidence of a certified mail receipt unequivocally proves the mailing and receipt of the validation letter. However, the credit bureaus ' responses exhibit a dismissive attitude towards this crucial matter, evading any meaningful acknowledgment of XXXX XXXX XXXX untimely response. 

I must express my strong disapproval of such responses, which not only demonstrate a lack of diligence and adherence to an unbiased investigation but also undermine the integrity of the credit reporting process. Consumers deserve proper and transparent handling of complaints, especially when it comes to issues that impact their financial well-being. 

In light of this, I demand that the response to my complaint be submitted on the public portal accessible to all consumers. This measure is crucial to prevent the credit bureaus from concealing their inadequate handling of complaints by mailing the response instead of posting it on the portal and to hold them accountable for their actions. 

Transparency and accountability are essential pillars in fostering trust between consumers and credit bureaus. By publicly acknowledging and rectifying the shortcomings in handling my complaint, you will demonstrate a commitment to improving your services and upholding fair practices. 

I expect this matter to be promptly addressed since the inadequacy of their responses to the XX/XX/2023 complaint should not be counted against me. The delay tactics should not be encouraged by allowing even more time after an inadequate response. Furthermore, all responses should be posted on the portal in addition to the mail. But mailing the response should not be a substitute for posting the results on the portal. 

Please be advised that should there be any further failure to address my concerns transparently and adequately, I will not hesitate to escalate this matter to relevant regulatory authorities and consumer advocacy groups up to and including legal action. 

Your immediate attention to this issue is expected and appreciated.

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 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Transworld System Inc is improperly reporting a collection account for original creditor : Arizona Public Service. This account was paid directly through APS and they send a deletion letter. Transworld System Inc is still reporting this on the credit report as a paid collection. I have reached out to them and they refuse to accept the letter from the original creditor. They also refuse to properly update my credit report. This account should never have gone to collections. This was a mistake of APS which they regret and have provided a letter stating that the account would be deleted from my credit. This is preventing me from getting a mortgage and the improper use of my credit report has already caused monetary damaged and will continue to do so if this is not removed. Under the fair credit reporting act, if information reported to the credit bureau is incorrect, the information must be deleted. This is the case here as Transworld Systems is reporting incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
To preface this complaint, Chime has repeatedly abused its power over my finances from the time I started depositing real money into it. From not settling disputes where my card was stolen to taking a year to send a new debit card. 

This instance saw me go to the ATM to pull out XXXXXXXX XXXX for dinner with my spouse. The ATM dispensed XXXXXXXX XXXX instead of XXXX XXXX After trying to get a live agent on the phone and having the phone system not connect me for 20 minutes; forcing me to send an online message and then demanding them to call me, I went back inside. There I found 3 people, in that short span, all have the same thing happen to them. 2 of the other individuals happened to have Chime as well and could not get a representative on the phone. 

I received a call from a Chime representative who escalated me to their manager, who transferred me to disputes and then transferred me back to the representative. This rep then transfered me to another manager. They all echoed the same sentiment that the money would be refunded to my account. I explained to them that the ATM processed the transaction as XXXXXXXX XXXX as all it does is scan the bills. Since there are XXXX XXXX where there should be XXXX XXXX the withdrawal would not show I was shorted money. I then withdrew an additional XXXX to make up the difference and to prove that it was not a charade, my funds have been stolen. They told me there is nothing they can do and if that was all. 

I demanded they credit me back the money pending an investigation. To remove the credit from my account if the investigation turned out fraudulent. They refused. I demanded they check with their IT reps and find the calls they were getting to the same area to see that I was not lying about the faulty ATM. They refused. I asked them to communicate with XXXX about addressing the faulty machine. They did not respond. 

This institution has made its way by offering cheeky deals to poor people and then using their poverty against them as a tool of control. The reason XXXX XXXX, XXXX, etc don't have these issues is simply that they can not or their deposit base would flee. Foolishly, I believed making more money and increasing my deposits with the bank would allow me 1st class service but today reminded me that I am still a chime depositor. Sadly to Chime, that means I'm just another poor person they can siphon money from. 

I am fortunate enough that now I don't have to care about the money. But not long ago at all this instance could have stopped me from eating for the week, stopped me from putting gas in my car, stopped me from taking my medicine. This institution needs to be halted and turned into nothing more than 12 XXXX. 

My hope is that this complaint can lead to a resolution that benefits those that are being exploited.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX continues to report a delinquent account to XXXX, Experian and XXXX despite proof that the account was never actually late. The reporting of the erroneous late payment has not only impacted my credit score, but caused me to be denied a home mortgage loan.

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 2023-08-07 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: 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.

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 2023-08-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXX XXXX XXXXXXXX # 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

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 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Dynamic Collectors, Incorporated
State: WA

Complaint narrative:
XXXX XXXX went out business. I made my payments, but the company that took over didnt apply them to my account. We disputed those charges which then was sent to collections. We sent debt validation letters Dynamic Collectors Inc.but they didnt respond in the timeframe and didnt send all information requested.

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 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX I've talked to XXXX about there practices. I did not authorize them to close a account and then add a new account. I didn't want the service from the beginning, I was unaware on how XXXX did there business pertaining equipment. So I paid my bill on time even though they made my utilization high on my credit bureau profiles. Now XXXX has added the same account on my profile like its a new account, taking away from my overall credit history. The credit bureaus was no help with my complaints.

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 2023-08-07 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: LA

Complaint narrative:
XXXX XXXX XXXX I've talked to XXXX about there practices. I did not authorize them to close a account and then add a new account. I didn't want the service from the beginning, I was unaware on how XXXX did there business pertaining equipment. So I paid my bill on time even though they made my utilization high on my credit bureau profiles. Now XXXX has added the same account on my profile like its a new account, taking away from my overall credit history. The credit bureaus was no help with my complaints.

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 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a letter from Transunion, XX/XX/XXXX, FILE # XXXX Which stated that, XXXX XXXX XXXX, ( Acct # XXXX ) is scheduled to be removed XX/XX/XXXX from my credit file, but the account still appears on 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