vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the fair reporting act, the list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX All of these companies 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: AR

Complaint narrative:
XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$0.00} XXXX {$0.00} XXXX XXXX {$3300.00} XXXX XXXX {$3300.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX {$220.00} XXXX  XXXX {$2400.00} XXXX XXXX {$5200.00} XXXX {$1600.00} XXXX {$0.00} XXXX {$0.00} XXXX XXXX XXXX XXXX {$1500.00} XXXXXXXX XXXX {$1500.00} XXXX {$160.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX My consumer rights has been violated according to 15 U.S. Code 1681. Inaccurate information is listed on my report which should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate information against BMW Financial Services. I have leased with BMW twice. The second lease I was eligible for early lease due to a promotional offer at the time. I started a new lease in XX/XX/2017 and was assured that since it was the beginning of my lease, my payment dates will not be affected. On my credit report they reported me for a late payment in XXXX when in fact that was inaccurate. I paid twice in XXXX and was early for XXXX payment. They had a glitch in their system and they failed to notify me. I notified XXXX and filed a dispute, but unfortunately they couldnt do anything and advised me to reach out to BMW. So I reached out to BMW and they mentioned it was a system glitch and also mentioned I was always on time with my payments. Because my account is closed and paid I full, they can not remove the late payment on my credit report. 

Enclosed are copies of my payment history and you will see that I made two payments in XXXX and in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am concerned about the validity and accuracy of a recent investigation, conducted by transunion, on an accounts listed below, that is reporting on my credit report. This Account was opened without my knowledge or authorization. After being alerted of this fact, Last month, I requested an investigation because I felt this item was not being reported legally. Shortly after that, I reached out to Transunion, and a representative stated that transunion 's investigation was complete, and the info/accounts was deemed verified. After presenting them with a up to date FTC report, and other verifying docs to my being a victim of Identity Theft, I was told to try and submit another dispute, presenting the same information. In accordance with the Fair Credit Reporting Act, the accounts listed below, have violated my rights. 15 U.S.C 1681 Section 602 A States that 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 an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 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: IL

Complaint narrative:
XX/XX/2022 this account was opened. A balance of {$1000.00} is owed. I tried to dispute thru XXXX XXXXXXXX and Experian but it was denied.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Approximately XXXX  years ago, I was approved for Capital One 's Quicksilver One credit card. My understanding that this card is generally issued to consumers who have fair credit and there is an annual fee of {$39.00}. As I was rebuilding my credit when I was approved for the card, the terms were acceptable. Now, however, I have good to excellent credit. I have paid this credit card on time each month. I have also paid the annual fee, however last year Capital One waived this fee. 

Now, I would like to advance to the Capital one Quicksilver card with no annual fee. I believe my on time payment history merits this change. However, Capital One refuses to allow me a product change to this card. Instead, they have offered a product change to a no fee miles card, the Venture One. I do not want a miles card and I resent Capital One pigeon-holing me into this card. 

In addition to the QuicksilverOne, I have three other credit cards serviced by Capital one. I have never been late with a payment on any card. I did make ONE mistake in choosing the incorrect payment account and a payment was return, but I corrected that error BEFORE THE STATEMENT CLOSING DATE. No late fee was incurred. 

I can not close this QuicksilverOne card without substantially hurting my credit because it is one of my oldest cards. So, I am forced to pay an annual {$39.00} fee that is excessive given my current credit profile and the card 's benefits. The alternative Capital One offers me is not as beneficial to me given my credit line and the alternative card 's features. 

I can apply for a new Quicksilver card, but this would result in a hard inquiry and hurt my credit. So, Capital One is holding my credit score hostage and forcing me to pay a {$39.00} annual fee. 

On XX/XX/, I spoke with XXXX in the XXXX XXXX department, who confirmed that the only card I am eligible to change to is the VentureOne card. Again, I can't use a miles card given my credit line and the card 's features. I also spoke with XXXX in customer service who stated that I am no eligible for the QuicksilverOne annual fee to be waived this year. 

WHY CAN'T I PRODUCT CHANGE?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: GA

Complaint narrative:
My name is XXXX XXXX, and I had referred a co-worker to chime, and she has had her 1st intial deposit. However, when she was setting up the account the representative advised her to chat back with Chime to add the refer to her account, and we would receive our refer bonus. Her name is XXXX XXXX, and she chatted with Chime today ; however, she was advised that we are unable to get the refer since she did not use my link. However, agent asked for my name & email address to my account. I called Chime, spoke with an agent who was rude & kept saying the same thing over & over again about I can not get my refer bonus, but he would note the account about my complaint, and send my complaint the escalation department. I asked to speak with a supervisor, and the agent is going to say well the supervisor is going to tell you the same thing. Supervisor was even more rude, refused to give me someone higher than her, stated she is the highest person at Chime, nobody at Chime speak English, and she does not care I file a complaint against Chime because she is the highest person. I am very upset right now to the point to where I want to close my account with Chime because to this customer service I just received. I would like to hear from someone in regards to matter ASAP. Then I have the conservation recorded from today as well if someone would like to listen to hear how awful this customer service was from the agent & supervisor. 
Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion will not allow me to disputer online disputes and failed to provide me with a 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 explanation
Consumer complaint received 2023-03-31 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: TX

Complaint narrative:
Dear Sir or Madam : I AM A VICTIM OF ID THEFT, THOSE LISTED ACCOUNTS AREN'T MINE. Please block those information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity. * A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

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 - ACCT XXXX XXXX Account name : XXXX & XXXX XXXX ACCT XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX - ACCT # XXXX Account name : XXXX XXXX  - ACCT # XXXX Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX -ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account name : XXXX XXXX XXXX ACCT XXXX Account name : XXXX ACCT- XXXX Account XXXX : XXXX XXXX  XXXX -ACCT XXXX  Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXXXXXX - ACCT # XXXX Account XXXX : XXXX XXXX  XXXX Account name : XXXX XXXX XXXX XXXX - ACCT XXXX Account name : XXXX XXXX - ACCT XXXX Account name : XXXX XXXX XXXXXXXX -ACCT XXXX Account name : XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX- ACCT XXXX Account name XXXX XXXX XXXX BANK NA - ACCT 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 explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

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, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, Account name XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
Dear CFPB, Thank you for taking your time to review my message below and do all that you can to help me solve this terrible experience. 

On XX/XX/XXXX, my wife and were taking a flight home via JetBlue, and per usual we were being hassled into applying for their card. After many attempts to decline the offer, the representative remained predatorily persistent, stating that the card would offer amazing benefits like 15-months XXXX percent intro on purchases & balance transfers, JetBlue miles etc. 

We decided to apply and got approved. After receiving my card in the mail, on or around XX/XX/XXXX, I called the customer service number to confirm that my zero percent APR on purchases was valid. The Barclays representative confirmed that this was true, so I proceeded with adding my checking account for auto-pay for peace of mind. 

I went ahead and started spending on my card, with the confirmation and intention that I wont have to pay any interest for the next 15-months. When I reviewed my statements on or around XX/XX/XXXX, I noticed I was being charged 20+ % interest. I reached out to Barclays immediately, after being transferred back and forth no one was able to assist me nor took ownership of their error. The rep mentioned they would have a manager call me back and no one did. I called back several times, again same story, the rep mentions a manager will call back yet no one did. 

Finally, on XX/XX/XXXX I got a hold of a manager who suggested I write to the office of the XXXX XXXX XXXX, Delaware. I wrote them a letter stating the wrongful interest on my account. On XX/XX/XXXX I received a voicemail from Barclays acknowledging that they received my letter and were reviewing my account. Until today I have not received any response and the wrongful interest keeps accruing on my account. I have made several more attempts to reach out and its the same circle of a manager will call you back and no one ever does. Barclays has handled this ignorantly and unprofessionally. This is a terrible experience, I have good credit, I've never missed a payment, and all I want to do is pay-down my card in full less the wrongful interest. 

We are struggling as a household, my wife just got fired from her job because she requested a XXXX XXXX. I'm the only bread-winner in the household and our XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I really need your help here, I don't know where else to go. I don't want to ruin my credit that I've worked so hard for and default on this card. 

Thank you for your help in advance. 

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity Bank, XXXX, and XXXX continue to report Victoria Secret Acct # XXXX XXXX XXXX account # - XXXX XXXX XXXXAcct # XXXX as DEROGATORY AND In COLLECTION/CHARGEOFF status when these accounts have been settled AND PAID. The account status and payment status should reflect PAID AS AGREED AND PAID AND CLOSED. I have disputed this issue with the CFPB and still have not received any help. Comenity Bank continues to violate the law and violate my consumer right to have the accounts reported correctly. I have attached yet again a current copy of the credit report directly from XXXX and XXXX which shows they are incorrectly reporting these two accounts as derogatory when they should reflect current and paid. I am now forced to hire a consumer attorney and sue the credit bureaus to fix this matter. Comenity Bank has FRAUDENTLY marked my account as being late in XXXX XXXX XXXX when the accounts have been paid off over 2 years ago. Comenity Bank, XXXX and XXXX have ruined my credit by inserting inaccurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Wells Fargo repossessed my XXXX after I had made payment arrangements with them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act.

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are XXXX different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, Equifax, LLC isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information which violates section [ 15 U.S.C. 1681 ] of the Fair Credit Reporting Act. 

Your corporations are continuously reporting inaccurate information pertaining to XXXX XXXX ( account # XXXX ) which is a charged-off account. The above-mentioned account has been disputed on several different occasions and has been verified as accurate but I am still seeing many inaccuracies. There are 3 different dates for the last time the account was allegedly reported ( XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. There are different dates for the date the alleged account was opened ( XX/XX/XXXX, XXXX XX/XX/XXXX ). Additionally, there are different dates for the date the last payments were allegedly made ( XX/XX/XXXX, XXXX XX/XX/XXXX. Also, the amount of the credit limit has different amounts being reported ( $ XXXX XXXX ). The account is not showing a past-due balance. Furthermore, XXXX, XXXX isn't reporting what type of account is. How can you report an account on my credit profile but fails to mention what type of account it is? 

I am requesting that this account be removed immediately from my credit profile. 

Furthermore, if your corporations continue to violate federal law, I will proceed with a civil litigation suit for monetary damages.

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