vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-26 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: FL

Complaint narrative:
XXXX XXXX : Received XXXX statement in mail for XXXX that was settled and closed in XX/XX/XXXX. Contacted creditor at XXXX who stated they have not received XXXX  paperwork from XXXX XXXX XXXX, XXXX. 

XXXX XXXX : I contacted XXXX and obtained receipt confirmation of final payment of XXXX received on XX/XX/XXXX. I faxed XXXX confirmation and XXXX pay statement to creditor at fax # XXXX on XX/XX/XXXX @ XXXX and confirmed receipt via phone at XXXX. 

XX/XX/XXXX : Received via creditor email, confirmation of final payment of XXXX and settled in full for less than the full balance however no confirmation of backdating settlement payment completion to XX/XX/XXXX. 

XX/XX/XXXX : Contacted creditor regarding incorrect reporting of late payments and remaining balance past XX/XX/XXXX. Creditor responded they did not receive any documents on XX/XX/XXXX after already confirming receipt proving a XX/XX/XXXX closed settlement. 

XX/XX/XXXX : Dispute of incorrect reporting by creditor to all XXXX major bureaus with the same supporting documents attached that were sent to creditor to confirm XXXX settlement. Experian XXXX response on XX/XX/XXXX showed dispute XXXX closed with no change. Experian XXXX response on XX/XX/XXXX states still working on dispute. 

As of XX/XX/XXXX : XXXX and XXXX still working on dispute. Experian report shows dispute closed with no change effective XX/XX/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 2023-12-26 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX please remove this inaccuracy from my report. I was never late on this account- Please check the status on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-26 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: Nelnet, Inc.
State: KY

Complaint narrative:
I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of 1974, the Fair Credit Reporting Act and Family Education Rights and Privacy Act. I have reached out to the credit reporting agency and NELNET they have not responded. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
TIME WAS SEPND CALLING CITI, TYPING AND CREATING DISPUTES LETTERS AND LOOKING AT CREDIT REPORTS. TIME WAS SPENT GOING BACK AND FORTH TO THE POST OFFICE. TIME WAS SPENT FINDING ERRORS ON MY CREDIT REPORTS. TIME WAS SPENT CALLING CITI MULTI TIMES. TIME WAS SPENT FILLING OUT ENVELOPES. TIME WAS SPENT PRINTING AND SIGNING DISPUTES LETTERS. TIME WAS SPENT FILLING OUT XXXX XXXX XXXX FORMS. TIME WAS SPENT IN LINE AT THE XXXX XXXX. 

I AM NOT LIABLE FOR THIS DEBT WITH CITICARDS. I DO NOT HAVE A CONTRACT WITH THE CREDIT CARD AGENCY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS 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 non-monetary relief
Consumer complaint received 2023-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Alorica Inc.
State: TX

Complaint narrative:
My debt was transferred from XXXX to SST. I paid my bill, due on XX/XX/2023, on XX/XX/2023. I have XXXX and a XXXX  years of perfect, on time payments on this loan. 
- On my XXXX login to the SST billing site it showed my payment was applied but I still had a payment due by XX/XX/XXXX. 
- On XX/XX/XXXX I emailed SST customer support to point out the problem and ask for a correction. 
- On XX/XX/XXXX I received a phone call from SST detailing how the problem had been found, my payment had been applied to principle but not my due date and it would take them XXXX days to correct the problem. 
- On XX/XX/XXXX after seeing no change to the due date on my account I called SST to ask for an update and push them to correct the problem since the due date was now only XXXX days away. I was told the problem was due to how XXXX transferred the loan and they would do nothing to change the due date and I would be required to pay them another XXXX by XX/XX/XXXX. 
- This company lied to me by telling me they had no control over how they operate their business due to how another company transferred information to them. The representative I spoke to showed no embarrassment by what she was saying or how her company was responding to this issue and could not have cared less. 

I had no choice in doing business with SST, my loan was transferred to them from XXXX outside of my control. I did not choose to do business with this company. I have worked diligently for XXXX to earn and maintain a clean credit rating only to allow an incompetent, inept, unethical and corrupt company to extort money from an unwilling customers. 

This complaint will be made to every reporting agency, oversight group, regulatory agency, company and person that will listen to me. In the future, I will research and reject any loan, product or service if it is determined that SST has any connection to that product. 

At this point there is no acceptable solution that SST can provide, to keep my credit rating clean I will have to submit to their blackmail. They have made it clear what kind of company they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Relieved from work a XXXX XXXX American Express egift card XX/XX/XXXX. I have tried numerous attempts to use it on XXXX, only went through for a XXXX XXXX purchase but is declined for anything bigger. I tried buying gift cards through XXXX XXXX online to XXXX but the expiration date on the card is not available when selecting exp dates ( card expires XX/XX/XXXX but XXXX XXXX only goes to XXXX ). XXXX XXXX XXXX  retailers will not accept this card ( grocery stores ) so it's been unusable and co-workers are having similar issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-26 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: VA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-12-26 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: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
I received a notification that this company has placed an account on my credit on XX/XX/23.. I have no idea who this company is. All I know is that it has something to do with the state of Georgia. I have never lived in Georgia nor have I applied for anything in Georgia. I never completed an application or rented anything in this state. I live in a Florida, been in Florida my whole life. I have no idea how my information was even provided to you all. I am demanding the account to be removed from my report immediately this is fraud. You should find whoever opened this account and go after them. I also never received information about an account being opened in my name which is against FCRA failure to provide verification of a debt. Remove this account. I have reported it to credit bureau they have placed a fraud alert and completed a fraud report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WI

Complaint narrative:
on Thursday last week I sent a payment to my son of {$150.00} for a trip to XXXX. In the subject line I put XXXX trip. On Friday cash app froze my account and I cant transfer money to my bank. I cant buy anything and I cant transfer to anyone else. I can not access any of my money. They sent me an email stating that I needed to tell them within one to two days who this person was how long Ive known them and what is the purpose of the. And that they would respond to me in one to two days. they have not responded yet and they are holding {$350.00} of my money. I have sent them all the information they needed about my son and how long Ive known him and where hes going and why. And they have not responded. Ive talked to their customer support via chat and on the phone and they are very rude and wont tell me anything. They said that they arent in that department. They told me to wait for an email. Ive been waiting for an email they held this two days before XXXX. I am on a fixed income. I am XXXX and I couldnt get any XXXX presents for anyone and I dont have any money to eat either so I dont know what Im going to do. Ill probably have to go to the food bank or wait for my check to come in but as of right now Im out of luck I guess. I feel like this is illegal what theyre doing please help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: NV

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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.

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

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 2023-12-26 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: KY

Complaint narrative:
I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of XX/XX/1974, the Fair Credit Reporting Act and Family Education Rights and Privacy Act. I have reached out to the credit reporting agency and XXXX they have not responded. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you

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 2023-12-26 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: KY

Complaint narrative:
I got a copy of my credit report and I noticed that this consumer reporting agency is reporting transactions on my consumer report. It is a violation of the Privacy Act of XX/XX/1974, the Fair Credit Reporting Act and Family Education Rights and Privacy Act. I have reached out to the credit reporting agency and XXXX they have not responded. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) transactions are to be excluded from my consumer report. In accordance with Federal Law I want this matter rectified. Thank you

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 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I recently consolidated all of bills and regular payments through an account with XXXX. I have been using this account for my mortgage, utilities, credit cards payments, etc with no issues. I updated my capital one auto payments recently. They payments were returned and i thought it was an error so I resubmitted them. After they were returned again, I called capital one to find out what the issue was because I have used my brokerage account for other card payments. They told me the payments were returned by XXXX because the account is not transactional. 
I made a payment over the phone via another account and adjusted my auto pays to a different bank. Immediately after, capital one restricted all of my accounts and sent me fraud letters stating that they were permanently closing my accounts because I was not meeting their expectation as a customer and accusing me of fraud ( via the title of the letter ). 
I am complaining because they barely gave me the chance to correct what may be a completely administrative issue on the side of either bank. I did not try to defraud them - I made a good faith effort as a consumer and they immediately assumed fraud. I would like them to reopen my accounts so I can close them myself and I would like the totally unsupported accusation of fraud removed from my records. They jumped to conclusions even after I explained what happened. 
This had been a terrible customer experience and even getting a human on the phone was no help because they just read the fraud letters word for word.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: Shellpoint Partners, LLC
State: ME

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 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. 

I want to remove any late payments in my XXXX  XXXX account, XXXX XXXX - XXXX XXXX  account, XXXX XXXX XXXX account and NewXXXX Shellpoint Mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
There has been several hard inquiries being reported on my credit report that I do not recognize nor have authorized. 
XXXX XXXX # XXXX # XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX ( Finance ) - XX/XX/XXXX XXXX ( Bank ) - XX/XX/XXXX XXXX  XXXX ( Bank ) - XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
I ordered a product from XXXX XXXX but after reading the " FINE PRINT '', I saw after the order was processed that it was a " recurring subscription '' that I did not intend to order, I thought I ordered a " XXXX time purchase ''. So, alter speaking with XXXX representatives on the phone, and not understanding their speech ( they can't speak XXXX XXXX too well ), nothing was resolved and after looking at the account online this morning XX/XX/2023 the charges are still pending and have not been reversed as the emails I have received states I would get a refund of {$190.00} and {$59.00} since the orders were cancelled. ( see attachments ) I received a letter stating to call representative but I have already spoken to XXXX or XXXX reps to no avail. Americans have the right to cancel orders before the order has been processed, and I cancelled the order with XXXX hours on the weekend ( Sunday ) .I have provided copies of the pending charges ( XXXX ) in total and I Only ordered the product " ONCE '', not XXXX or XXXX... XXXX have provided attachments in here to prove my case.I want my XXXX XXXX XXXX credit card XXXX XXXX XXXX Synchrony Bank ), the amount in dispute /question ....

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