vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 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:
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 explanation
Consumer complaint received 2023-08-30 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: SC

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Ok, so I was with bank of America for XXXX years and they were ok for a while then last year/ XXXX was when they started to randomly raise my monthly payments to exorbitant amounts. I tried talking to them about it and they said " there was nothing we can do. '' So I took out a large loan and finally paid off my credit card. Then recently they said after months after I closed my accounts with them I got a random late fee and tried talking with them about it. They forced me to pay it. So I need help please.

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 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I agreed to be a Co-Signer for my husband 's car loan. I am retired and my income is from Social Security and Pension. I presented proof of income statements from both my Pension and Social Security however the Loan Consultant for Lendmark Financial Services still demanded I present a copy of my checking account monthly statement to show a receipt of my pension payment. I did not think this was legal or necessary however, to avoid having my husband 's loan application being denied, I presented a redacted copy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: OPTUM BANK, INC.
State: AL

Complaint narrative:
I wrote a check to my doctor 's office against my XXXX account, which had sufficient funds. My doctor 's office informed me that the check was returned unpaid, and assessed a {$35.00} returned check fee. I reached out to XXXX XXXX  twice, asking them to reimburse me for the fee, which was caused by them. They advised that they stopped honoring checks against XXXX accounts, but they never gave me notice of this. They have refused to make me whole despite failing to honor my check. I have attached messages with them making two attempts to resolve this, but they made no meaningful effort to make it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
My XX/XX/2023 statement for my Bank of America Visa card showed a previous balance of {$940.00}, of which I paid {$930.00} on time. The statement showed an assessed interest charge of {$13.00} based on {$790.00} of balance subject to an interest rate of 19.49 % for purchases. This number didn't make sense to me because most of my balance was paid on time, and only {$3.00} of the balance was outstanding. 
On XX/XX/2023 I phoned Bank of America to ask how this balance was calculated and they told me they couldn't tell me that because the number was generated by their computer.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Arcon Credit Solutions LLC
State: AL

Complaint narrative:
In XX/XX/2022, XXXX XXXX XXXX ( ACS ) begun managing my private student loan from XXXX XXXX XXXX The balance at that time was {$5500.00} ( and XXXX cents ). Since then, I have made monthly payments of {$460.00} to XXXX. Currently, this loan 's balance is {$930.00} according to both my own records and XXXX ' website. However, the credit report I pulled today, XX/XX/XXXX, says the " Reported Balance '' of this account is, bizarrely, {$4100.00}. Not XXXX of the payments I have been making all year to XXXX appears on this report. 

I have also today submitted a dispute to XXXX and an e-mail inquiry to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
XXXX charged me {$920.00} was to be shipped to get to me on Wednesday XX/XX/2023 but on Wednesday I called to tell them that it still aint shipped and if it isnt then cancel it they said yes they will. XX/XX/2023 at XXXX pm They just shipped it and it was delayed and not received so for a item then after not reviewing it with XXXX they couldnt find it and was lost so they said contact XXXX which I did multiple times to help the wont and told me to stop calling them even hang up on me. So I went to affirm to dispute it and they opened it I have so much proof from XXXX and XXXX but still giving issues with closing the loan even after the proof that didnt get it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: NC

Complaint narrative:
I submitted a complaint last XX/XX/2023 and it was marked a duplicate complaint and you said you received the same complaint before. It maybe a duplicate report because my concerns was never resolved! After sending a lot of Dispute Letters, FTC reports, and CFPB complaints these negative items are STILL reporting. I am a victim of identity theft. Please remove them immediately.

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 2023-08-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
URGENT :!! DEFAULT NOTICE!! 
Recomplaints ( XXXX ) & ( XXXX ) Trans Union failed to prove their investigation as valid and complete. PLEASE PROVIDE ME WITH the name, agent number and position of the representative for the vendor who alleges to Verify AND VALIDATE the debt, And to provide everything in writing involving the communications between both parties, including all information of the of the creditor and access code used for that extension of credit! The Credit Reporting Company failed to report fairly and accurately. If they would like to remedy this issues they would need to remove both XXXX XXXX and XXXX from my Consumer Credit Report. Although I provided sufficient proof of the intent to Opt Out to those corporations, sent to ( Vendors ) exhausting the full administrative process. The Accounts were removed from other consumer credit reports like XXXX, etc. Proof of this claim was also submitted in the aforementioned complaint. However they have yet to be removed from Trans Union 's report. So I Reach out to Trans Union Personally the " Credit Reporting agency '' to inform them that they are " receiving information under false pretenses '' From XXXX XXXX and XXXX and to remove those accounts because they do not have my consent. In accordance with my Privacy right as emphasized in ( Regulation P ) the right to Opt OUT is not a debate. I reached out to Trans Union so that they may remove those accounts off the consumer credit report and remain in honor. It was quite shocking to see the reporting agency not fail to provide an adequate search in such an extensive amount of time but to also not remedy the account upon proof of claim. Instead the Corporation seems to be in favoritism of one party. To aid and embed that company in violation of consumer rights may unfortunately result in RICO charges and civil money penalties for Trans Union and its representatives. If this was caused by a mechanical or Inadvertent error by Trans Union then please remedy the matter as soon as possible since Trans Union has already used its 60day chance to cure. I will allow ( 5 ) BUSINESS DAYS FOR THIS TASK TO BE COMPLETE. If this task can not be completed please respond in writing of the reasons as to why TransUnion refuses to honor my claim. If in the ( 5 ) business days TransUnion does not respond I will assume that the performance was completed.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I previously filed a complaint about inaccurate credit report on my Experian report. The account should show included in bankruptcy and balance should be XXXX. Thats not how its reported on report. XXXX XXXX and XXXX has it correct. Please fix or I will sue.

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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: CO

Complaint narrative:
We have a electronic withdraw on our mortgage payment each month on the XXXX of every month. My spouse changed the date to the XXXX of each month. 
In XXXX, the mortgage company, Freedom Mortgage, pulled BOTH payments from our account, causing our checking account to be overdrawn. We contacted the mortgage company when we discovered this error. The mortgage company, Freedom Mortgage, acknowledged that it was their fault and would refund the XXXX payment. 
It took 10 days of phone calls ( everyday ) that the funds would be refund - tomorrow. After 10 days, I requested to speak with an associate in escalation. The payment was refunded. Then a week later, the second payment was refunded ( which was not our request ). 
We then made the XXXX payment. The mortgage company, Freedom Mortgage, informed us we were 30 days late and charged a late fee ( which was negated ). The mortgage company, Freedom Mortgage, filed a report on our credit report for being 30 days late. 
We have never missed a payment. But with the mortgage company 's mistake ( fault ), it caused our credit scores to drop considerably.

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 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I overpaid my Chase Credit Card accidently, and called for credit balance refund on XX/XX/XXXX. I was told to watch my email for an approval and it would take 4 days. I asked to have the balance simply transferred to my Chase Bank Account. I called XX/XX/XXXX because I never got the email. I was told it was not processed on the XXXX, and I should watch my email for an approval message I should approve. On the XXXX I called again and the account representative said the credit was never processed, but they would send an approval within 4 days ( again, same story ) or they will just send me a paper check within 10 days. I called on XX/XX/XXXX to ask where is my money. I was told a refund was processed on XX/XX/XXXX and I will get the check on XXXX. This is 30 days after I made the initial request and has put a burden on me. 

The credit card statement says the money was refunded on XX/XX/XXXX but I continued to get the run around from account representatives on my refund. 

At present I do not have my refund. I feel Chase representatives have consistantly lied to me about the refund. I request CFPB help with the overpayment refund. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section XXXX of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. Equifax is reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased a gift card on XX/XX/2023, that was fraudulently used. 

I contacted XXXX immediately to dispute the charge and request a replacement card, opening case number XXXX. 

On XXXX XXXX, XXXX, XXXX requested documentation on the card, which I provided and also attached to this complaint. 

On XX/XX/2023, XXXX informed me the case was resolved in my favor, and promised a new card via XXXX delivery. However, this card has still not arrived, 4 weeks later. 

Since then, I have not heard any updates on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.

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 2023-08-30 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXXXXXX, has violated my rights. they have reported false information on my credit report and after multiple attempts to have it removed, they refuse to update it to current. 

15 U.S.C 1681 section 602 A. States that I have rights to my privacy.

15 U.S.C 1681 Section 604 A Section 2 also states that a consumer reporting agency can not furnish an account without my written consent.

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 2023-08-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
On or about XX/XX/2023, a Debt Validation request was sent to Jefferson Capital System via mail. The following items were requested as part of the Validation. 
1. A copy of the Original Purchase Agreement from the Original Creditor that shows that you legally own this debt by the Original Creditor.

2. Proof that you are a legal debt collector in California.

3. A copy of the Bond that shows that you are Legally Registered in My State.

4. Copies of ALL Statements from XXXX to XXXX of this Account. 

Jefferson Capital has failed to validate this debt and instead referred the debt to XXXX XXXX for collection. Jefferson Capital, XXXX, XXXX, and XXXX have refused to remove this unverified debt from my credit report. 

Per FCRA, 15 USC 1681 et esq, I am entitled to a fair and accurate credit report. The inclusion of this unverified debt is a Violation of My Rights under the Fair Credit Reporting Act. It makes my consumer credit report inaccurate and needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 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: TX

Complaint narrative:
I did not consent authorization of this account. Per 15 USC 1681c-2, I would like this account blocked and removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is with reference to Case Number : XXXX filed against XXXX XXXX on Capital One Credit card. I did a free trial with XXXX XXXX and cancelled after the free trial ended, I cancelled on the day free trial ended which was XX/XX/2023. XXXX XXXX went on to charge my card on file after I had cancelled for {$69.00}. I tried contacting XXXX on the wrong charge through email and phone number but could never get through. Finally, I disputed the charge with my credit card company, and provided the cancellation email as proof that I cancelled on the day the free trial ended. To my disappointment but I was not surprised, my credit card company took sides with the merchant simple for their selfish merchant fee gain to the detriment of their customer, and refused to present my claim for a full refund of {$69.00} even when I presented the proof of cancellation via the email send by XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX & XXXX 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 explanation