vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-03 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: NE

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on an account for the months of XXXX XXXX XXXX XXXX and XXXX XXXX. I was never late for this account. Consumer reporting agencies have assumed the vital role and has responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for this account : XXXX XXXX XXXX XXXX. I've highlighted the payment inaccuracies with the reporting agencies. Please investigate and provide proof showing these payments were late. If proof can't be provided I'm requesting these payments be updated to on time as they should be, as I was never late. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: DISCOVER BANK
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: DISCOVER BANK
State: VA

Complaint narrative:
I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have satisfied the account with the following company for the Account Number # XXXX and as a result I was notified that once I paid this account off in its entirety that this account would be removed from my credit file as it is preventing me from being able to gain credit at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: OH

Complaint narrative:
I HAVE BEEN RECIEVING EMAILS FROM A COMPANY CALLED CHIME ABOUT AN ACCOUNT THAT I HAVE NEVER HAD. ICALLEDTHEM ON SEVERAL DIFFERENT DAYS AND TIMES AND ALWAYS GET A RUN-A-ROUND. THE LAST XXXX TIMES I CALLED I RECEIVED AN EMAILSTATING THEY CLOSED THE ACCOUNTAND WHEN I TELL THEM IWANT THE PAPER WORKSHOWING WHERE AND WHEN THIS ACCOUNT WAS OPENED THEY REFUSED TO PROVIDE THEM TO ME.NOW SINCE THIS ACCOUNT THAT WAS SUPPOSED TO BE IN MY NAME HAS BEEN CLOSED TWICE WITH MONEY IN ITWHICH I NEVER RECEIVED I WANT THE PAPERWORK ON IT. THIS COMPANY DOES NOT HANDLE ANY OF THESE ACCOUNTS. THEY HAVE XXXX BANKS DO IT AND THESE XXXX BANKS ALSO SEND OUT THEIR DEBT CARDS. NOW ALL I WANT IS THE PAPERWORK ON THIS SO CALLED ACCOUNT SO I CAN TAKE LEGAL ACTION AGAINST THE PERSON THAT OPENED IT USING MY NAME AND ADRESS. I HAVE MOST ALL OF THE EMAILS THEY HAVE SENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tate and Kirlin Assoc
State: CA

Complaint narrative:
I set up a payment plan with Tate and Kirlin Associates last year. I was not given information about setting up an online account with access to a portal. I have attempted to reset a password on the payment portal, however there is no record of me registering for an account. I have never received any accounting of my balance with Tate & Kirlin Associates, neither by mail or email. I have left numerous voicemails for the company and have yet to receive a return call from anyone. To date I have paid {$1900.00} ( {$170.00} each month ) since XX/XX/2022. I am extremely frustrated. I can not get a live person on the phone when I call this company, and when I did, I was able to reach a Sales Person who would not transfer me to a live person, he took my name and number down and promised a call back from a live person, with no follow up. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: NV

Complaint narrative:
I have paid this account in full and its over 13 years old and this company will not delete it from my credit reports.

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 2023-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX account on credit report is in collections for no reason I have made my payments on my account but there are unknown charges on my account since XXXX i been trying to contact XXXX XXXX XXXX no response

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 2023-05-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX, I tried to make a payment of XXXX XXXX from my Citi saving account to my personal bank account in XXXX XXXX. I tried to make that payment on Citi 's mobile phone app on my phone and use the instant payment service to do that. I could not successfully submit the payment request and received an error " Access Blocked : For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mentioned Error Code MFA. '' So I did make a phone call to them. The first support person from Citibank asked me to try lots of things, including using a web browser instead of the mobile app, lowering the amount to XXXX . I tried four times in total, all leading to the same error message. The support person seemed to not know enough about the issue and how to solve it. I asked to speak to a supervisor, but the supervisor only asked for my name, and without helping solve the issue, they transferred me to another support person. I repeated my issue and the second support person also suggested me try lower the payment amount. Then I tried my fifth time, I tried to set up a payment with XXXX , but still could not proceed. I saw the same " access blocked '' error. I do see on my browser and my mobile app, my daily limit is XXXX . And I told the support person about that number as well. Thus, I don't think the issue is related to the amount, because this is my first payment transaction using the instant payment service which never succeed. I asked the support person how could I use this instant payment service. They don't know. They only suggest me try using a wire transfer which comes with an additional charge or use XXXX to transfer money, which I can not use because I don't have a checking account and only have a saving account. XXXX payment requires a checking account. They are not helpful in solving the issue, not knowledgeable about their services, and they don't want to help me with the problem I have, which is simply to be able to use instant payment, not trying other ways. 

If I want to try other ways, why don't I just put money in a different bank, that has much better customer service?

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 2023-05-03 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # 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 2023-05-03 00:00:00
Product: Credit card or prepaid card — Store credit 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
XX/XX/XXXX, I was called by Banana Republic  to inquire about a potentially fraudulent charge on my account. Approx {$230.00} in fraudulent charges were committed. I confirmed the charges to be fraudulent and the card was cancelled and a new card was issued approx XX/XX/XXXX. XX/XX/XXXX, I was notified by my credit monitoring service that I had exceeded the limit on my Banana Republic card and that my credit score plunged XXXX points. Upon investigation, I found that over {$1900.00} in fraudulent charges were charged from XXXX XXXX XXXX. The fraud department never contacted me about these fraudulent charges. Barclaycard ( the parent company for Banana Republic ) eventually confirmed the charges to be fraudulent and, at my request, closed the account. In XXXX, I got a bill for over {$900.00} in fraudulent charges on my account ( which was supposed to have been closed ). Again, when I contacted Barclaycard, they eventually found the charges to be fraudulent and closed the account ( again ). In XXXX of XXXX, Barclaycard issued a refund check to me in the amount of {$150.00}. I informed them that I would not cash that check because that was not money that was owed to me. I again reiterated that I just wanted to make sure my account was closed and that I no longer had any account with Barclaycard. XXXX XXXX  XXXX, I received a statement from Banana Republic stating that I owed {$150.00} on my card. I called the company to inform them I did not owe them, had never cashed the check, and I just wanted my account closed. Now I have been charged a late fee for the {$150.00}. Barclaycard has been so frustrating to work with. At no point have they taken steps to protect my credit, nor have they treated my account with the respect it deserves. I have been a customer for over 20 years, but will never shop in Banana Republic again nor will I ever have another Barclay Card. Please help me resolve this situation, as they clearly dont care to close my account or resolve this issue.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS TransUnion : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXXXXXX XXXX XXXX  XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-05-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE FRAUD ALERTS AND EXTENDED FRAUD ALERTS XXXX XXXX XXXX XXXX XXXX XXXXFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX Experian:XXXX XXXX XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-05-03 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: NY

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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX VA XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX PO # XXXX XXXX VA XXXX XXXX Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX VA XXXX HARD XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX SC XXXX ( XXXX XXXX XXXX HARD Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ( XXXX XXXX XXXX HARD Reported XX/XX/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-1 ( 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 2023-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF ED XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act DEPT OF ED XXXX 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

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 2023-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I notified company several times via phone and was told they couldn't find any account in my name. Phone conversations were done in XX/XX/2023. On XX/XX/2023, they finally gave account number and last 4 digits of credit card used to make payments. I have explained that I never opened an account with them nor do I recognize the account on my transunion credit report. I have since frozen experian, XXXX, and transunion credit files. Account was opened on XX/XX/2023 with a balance of XXXX. Name of company is 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 2023-05-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: IN

Complaint narrative:
I check my credit report atleast 2-3 times a week. I logged into my XXXX XXXX  Saturday XX/XX/XXXX and notice a new collection from common wealth financial in the amount of {$1600.00} that was opened XXXX XXXX from an original creditor called XXXX XXXX XXXX Monday XX/XX/XXXX I called common wealth financial ( XXXX ) XXXX and asked for information about the bill considering I never received a letter, a phone call a medical bill or anything to inform me of a bill that could possibly be sent to collection and have not been to any dr office nor had any medical attention that wasnt covered by insurance over the past few years and they stated they couldnt retrieve the information for me without paying {$1.00}. I paid the {$1.00}. And then he told me I had to pay XXXX for the information and another XXXX to create a membership with them in order for me to retrieve information about the bill. I immediately told them I wasnt giving them any money and hung up worried it was a scam. I later check my bank and notice 3 different charges of {$1.00} was taken without permission. I contacted customer support and they werent any help and wouldnt give me any information either

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 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: CA

Complaint narrative:
Hello, Recently my credit was score with Equifax was reduced by a significant amount this month. I called Equifax to see why this happened and they could not explain why. They said I had nothing on my credit report that would reduce my credit score, such as no negative impacts or anything outstanding. I asked for an explanation then to why this happened for " no reason '' and how that could possibly be legal to just reduce my score and he had no answer. His response what that I could file a dispute but there was nothing to dispute since there was nothing negatively impacting my credit. Then he said to get a credit counselor and maybe they could help. So basically my credit score went down for no apparent reason and no justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I contacted my loan company and asked for my MI to be removed. I have over 20 % equity in my home. They have raised my payment over {$300.00} dollars starting in XX/XX/2023. I can show proof of comparibles in my area. They said because of my FHA loan, I can not remove MI.

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