vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN 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 2022-10-10 00:00:00
Product: Credit card or prepaid 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: U.S. BANCORP
State: FL

Complaint narrative:
On XXXX I purchased a XXXX cruise thru Travel agency XXXX. Within two hours I notified XXXX that we were unable to fly to XXXX because of XXXX XXXX restrictions. 

I'm requesting your help settling this matter with a refund or credit. 

On XXXX I purchased a {$1400.00} XXXX cruise ( booking number XXXX ) and Insurance {$160.00} from XXXX 's XXXX XXXX ( XXXX ; XXXX ) for later that month. Within two hours, thru the XXXX website, I learned that my wife and my two covid shots ( 2 each ) were over nine months old and we were considered " unvaccinated " by the XXXX government and thus we were not allowed entry. That same afternoon I notified XXXX XXXX that we were unable to fly to the cruise due to COVID restrictions. After multiple communications with XXXX, XXXX, and XXXX ; no credit or refund. 

I have purchased three previous XXXX cruises with my family and loved our experience. 

I'm requesting your help settling this matter with a refund or credit. 

Timeline and additional details below. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Timeline & details : XXXX XXXX purchased XXXX cruise, booking number XXXX, for 7 day XXXX with insurance. 
XXXX XXXX our vaccine status doesn't allow XXXX flight reservation. 
XXXX requested refund from XXXX. Advised that XXXX denied refund. 
XXXX Requested insurance refundapproved. 

Requested refund from XXXX cardapproved and then denied. 

Prior to the cruise date upon receipt of confirmation email from XXXX. Called XXXX XXXX to notify them that we are unable to purchase airline tickets to XXXX due to vaccination status. XXXX rep made a note in my record. 

XXXX rejected my request for refund for the second time. 

XXXX XXXX promised refund in two billing cyclesXXXX Service Request # XXXX n't happen. 

XXXX XXXX  rep directed me to only communicate thru XXXX. 
XXXX XXXX XXXX email XXXX promised refund in two bill cycles. Didn't happen. 

XXXX. Email to XXXX XXXX XXXX of XXXX looking into it XXXX. Email XXXX from XXXX XXXX checking with 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 monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I did not open ANY of the following accounts. They are fraudulent. XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX  XXXX  & XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I put a stop payment on a checking account ending # XXXX. Truist bank been trying to pull my mortgage through the wrong account and overdrafting my account. They end up sending the money back to me XXXX. I transferred that money to the correct checking acct ending in # XXXX through my bank XXXX. I called truist and made a payment which got pulled XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX. Truist notifies me they never got my XXXX XXXX and started hitting my credit and account with late fees. I called Truist for them to investigate and XXXX way in my bank on the phone call to talk to the Truist representive. XXXX faxed documents to Truist and representative made a complaint which nobody followed up. I called in XXXX to make my payment the rep urged me to make my payment and promised to put it on hold until the investigation was over and they back drafted my account. That never happened. Truist applied that payment to XXXX now nobody is investigating the blatant stealing from my Account and never fixed the issue in XXXX so that Truist can be accountable for the several errors on their part. I sent documention and waited XXXX months for a investigation into this matter. I need help please look into this shady matter. I know you if you look into this you will find a big company taking advantage of a customer.

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 2022-10-10 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: CA

Complaint narrative:
I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX  credit XXXX Credit Card. I also have 12 inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Bank, XXXX  B, and XXXX. My name is also spelled wrong on my credit report its spelled 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 2022-10-10 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: CA

Complaint narrative:
I took a road trip with my friend and we used a friends car that got broken into to and my purse got stolen along with all my personal information, There was a lot of fraud accounts that have been made and have been opened since my belongings have been stolen such as : XXXX XXXX credit card, XXXX XXXX credit card and XXXX XXXX XXXX Credit Card. I also have 12 inquiries on my credit report that I did not authorize such as : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX and XXXX. My name is also spelled wrong on my credit report its spelled XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX  years old, graduated last year and when I recently learned XXXX it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with 4 inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and 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 2022-10-10 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: FL

Complaint narrative:
I really dont know how it really got to this point Im get upset anyone would do this ever. Personally all I know is someone has been using my personal information opening up account under my name for about Im guessing 2 years now.. I just turned XXXX years old, graduated last year and when I recently learned XXXX it I had seen someone had been using my information and all. Someone opened up XXXX XXXX XXXX, XXXX, and a XXXX  XXXX. A collection debt also is on my credit report which I have no idea what that even is or how it got there as well with XXXX inquiries with accounts I am not even familiar with ( XXXX ) XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: NJ

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, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not give them any written instructions, 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10 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: SC

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, 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 XXXX : 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 2022-10-10 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: MI

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  Lending Services # XXXX XXXX XXXX Bank # XXXX First XXXX Bank # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXX Bank # XXXX XXXX XXXX XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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. 1681sXXXX ( A ) ( XXXX ) 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 2022-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
In XX/XX/XXXX, I paid my monthly mortgage payment at the XXXX, Illinois XXXX XXXX Fifth Third Bank. I received notification in XXXX that my XXXX payment was considered missing. I proved to Fifth Third by sharing copies of my cancelled check that was processed by them that the XXXX payment was indeed made on time. In XX/XX/XXXX, I received an official letter from Fifth Third that my payment had been found and applied. I was also assured that they would reverse the reporting to the credit card bureau. In XXXX of XXXX, I was again informed that the XX/XX/XXXX payment has not been applied. When I went in person to the XXXX branch in XXXX after numerous attempts by me to resolve the issue over the phone, I was also informed that my XX/XX/XXXX payment had not been applied. Again, I proved via cancelled check that Fifth Third had received their payment. After MANY MONTHS of trying to resolve the problem, I was informed that Fifth Third had applied my payment to a Credit card account that has been closed for approximately seven years. 

During this process, Fifth Third has reported my account to the credit card bureau that I am delinquent on two payments on a monthly basis. They have also reported a major deficiency to my credit without a reason given. My credit score has been singly destroyed by Fifth Thirds mistakes and unwillingness to help a fifteen year customer resolve the mistakes that the bank has admitted to making. I have attempted via phone, email, personal visits to the bank to resolve these issues to no avail. Fifth Third has not shown interest in trying to help truly solve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, I purchased an item totaling {$470.00} on my Chase Shappire Preferred credit card and created a My Chase Plan. The My Chase Plan is a small loan with no APR but with a fixed fee that is separate from my credit card statement balance but the amount is charged to that balance. On XX/XX/XXXX, I received a statement due on XX/XX/XXXX in which I submitted a partial payment. After submitting this partial payment to the statement balance, I was informed that the My Chase Plan that I had set up was paid off even when I still had 11 months of payments towards that loan. I reached out to Chase and spoke to a representative who initially informed me that the reason my loan was paid off before my balance was because it had a higher APR. When I informed the representative that there was no APR but rather a fixed fee, the representative referred me to a specialist/supervisor. The supervisor set me know that I had to click the interest saving balance option to avoid paying for the loan. However, I made incremental payments throughout the month that paid less than my current balance. The interest saving balance option did not provide for a specified amount which is what I needed to make smaller partial payments through the statement period. When I informed the manager about this discrepancy, I was told they were sorry for not making this clear in their agreement with me about the loan. When I requested for our previously agreed upon loan terms to be reinstated, I was told that was not possible. Now, I am stuck with paying {$430.00} in addition to my statement balance that was supposed to be paid off over the next 11 months. This is a misleading business practice that borders on misrepresentation to the consumer. Not only did the loan agreement never state that I had to specifically make an interest saving payment, the loan agreement was completely disregarded when asked for reinstatement. As shown in the attached photo, the email from Chase does not specify that an interest saving payment is needed in order to not pay for the loan. It only says that you should not pay the full statement balance, which I did not do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 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: FL

Complaint narrative:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway.

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 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
trans Union XXXX and XXXX are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by Trans Union while XXXX and XXXX report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by Trans Union and XXXX as XX/XX/XXXX while XXXX is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by XXXX and Transunion reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.

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 2022-10-10 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: EQUIFAX, INC.
State: IA

Complaint narrative:
XXXX XXXX XXXX and Equifax are reporting incorrectly on credit report. reporting account open XX/XX/XXXX by XXXX XXXX while XXXX and Equifax report account open XX/XX/XXXX with a balance of {$490.00}. Account is reporting date of last payment by XXXX XXXX and XXXX as XX/XX/XXXX while Equifax is reporting date of last payment as XX/XX/XXXX of XXXX. Now, payment history is reporting consecutive charge off by XXXX while OK as agreed from XX/XX/XXXX all the way to XX/XX/XXXX by Equifax and XXXX reports no data on payment history. Data reported on date of last payment makes no sense with payment history definitely a huge mistake. Account is reported as a derogatory account status with a payment status of collection charge off it is not possible that account can be derogatory and collection if payment history is reporting payments done up to XX/XX/XXXX. I have tried to dispute this account with all three bureaus and I have not seen any change whatsoever on credit report nor have I received any sorts of documents by Credit bureaus reporting that my dispute has gone through. Im not sure at this point if my letter has been ignored or if my letters have not reach their destination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCUARTE, THE DATE LAST ACTIVE IS INACCURATE, AND DATE LAST REPORTED IS NOT ACCURATE. THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation