vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act the creditor, XXXX XXXX XXXX ), has violated my rights under 15 USC 1681 section 602, which sates eye have the rights to privacy. 15USC 1681 section 604 ( a ) section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under a open and 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 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXX XXXX {$640.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I DO NOT RECOGNIZED ANY OF THESE HARD INQUIRIES OR ACCOUNTS : HARD INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX  XXXX XXXX {$3200.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX {$640.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: WV

Complaint narrative:
I received a {$4.00} interest charge that was posted on my statement that closed on XX/XX/2023. I called and was told that this was a result of a 3 day late payment for the XXXX statement. The XXXX statement balance was {$11.00}. My XXXX statement showed that the interest was calculated on a balance of {$270.00} at a rate of 21.49 %. The explanation was that the balance was calculated based on purchases made on the XXXX statement. It seems unreasonable to be charged interest on payments that are not yet due. This practice, if legal, should be discontinued. No reasonable person would think that it is ok to charge interest on payments that are not yet due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
my account was charged {$230.00} unauthorized at XXXX i was in my city working that day and i was nowhere near anywhere to take a flight. i reported the charge and chime credited me the amount. The names on the flights are not mine! i got a response from chime AGAIN saying they found no error and will be reversing any charges. i have my deposits coming in and this will YET AGAIN take money from my pockets. i will file a lawsuit against chime or take them to smalls claim court for a bigger amount of money. i refuse to be a victim of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I had a loan with XXXX  it apparently transferred to Aidvantage they claimed in an email sent to the email on the account that I owe money that starts in XXXX, I tried calling to get my account enabled after login and register both failed do to XXXX account or account not found. I called today XX/XX/ after an 1hr on hold someone picked up said I did owe money on a loan, I asked Very clearly multiple times to get my account re-enabled she said an email would be sent where I just had to follow the steps and my account would be back up. and hour later that email shows, its no different than clicking the register button but fine I try the steps, it doesn't work, its the same failure as before. I have no way of contacting them other than this phone number, I can't get into my account to do anything. How can I owe an unknown amount of money that does not show in my Fafsa account, and be expected to pay in XXXX when the Student Loan provider Aidvantage will not allow me to access my account. This is a very serious complaint and my only other option before contacting a lawyer. I just called again while typing this and they hung up after I was on hold for several minutes. Just wow.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing a letter about my experience with XXXX that is a mixture of a grateful " thank-you '' and a pressing request concerning a Late Car Payment in my credit files that I would like to have revised. 
I purchased the vehicle in XXXX  before loosing both my businesses. During this difficult time that Late payments are reported, I was going through a very difficult time and with XXXX kids and loosing our income, I became disorganized with respect to making timely payments. I fully recognize my responsibility with respect to payable accounts and have worked diligently to rehabilitate my relationship with XXXX since that time. 
To be honest, that year was a " wake-up '' call for me regarding fiscal organization. Since then I believe I have learned the essential organizational and financial management principles I desperately needed at that point. Thankfully, responsible credit management is now reflected in my credit records which -- excluding the 3 late car payments, i have been punctual. I wish to thank you for renewing your confidence in me and for giving me a second chance at a relationship with you, one that I am determined to keep spotless. 
We are about to shop for a mortgage, and it has come to my attention that the late notations from XXXX may preclude me from taking full advantage of the very lowest interest rates now available. I am requesting that you give me a second chance at a positive credit rating by revising those reportings. Your customer service representative suggested that I write you for a " goodwill adjustment. '' I sincerely hope that there is redemption. I beg you for such consideration. Please let me know if any additional documentation would assist in reaching a positive outcome, and I thank you again for the time you have spent reading this letter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I purchased a vehicle from US Auto Sales in XXXX, my vehicle was repossessed today by claimant Westlake Portfolio. I have no knowledge of this company. I requested information from them stating they were the owners with none provided. I need help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
on XXXX XXXX i got my tax return sent to my chime account for the first time, the funds was deposited into the account without any issues after paying my employees i got a emailing stating that my accounts had been closed. I reached out to chime via email and made several phone calls, i got a response from XXXX telling me i need to verify my identification and proof that the funds was issued to me. i provided my ID and my tax return info. they then later email me saying i violated there terms for deposits and i am not eligible for a refund? ive asked why and ive called, emailed all there support emails and i dont get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I make a payment to Nordstrom on the XXXX of every month for the last couple of months to pay off my balance and the company would hold my payment for 2+ weeks and report back to my credit as high utilization as well as dropped my credit score XXXX The money would be taken out of my bank account the same day the payment is made, so I wouldnt have access to my card during the 2 + weeks. I have tried to contact them and they are quick to say theres nothing they can do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Today, XX/XX/2023 at XXXX Central Time, I received a phone call from " Chase Bank XXXX at caller ID XXXX with an individual claiming to be from Chase XXXXs Fraud Protection department notifying me of fraudulent activity, a charge of {$2600.00} to XXXX XXXX XXXX XXXX XXXX a Chase credit card account in my name. I did not make this charge, and no one in my family or other authorized person would have made this charge. I am also not entirely clear if I have any credit accounts with Chase, but I don't think that I have. I do have a XXXX XXXX in-strore credit card that I think is managed by Chase, but no other cards that I am aware of. 

They said that they were declining the charge, and then asked me to provide information about any other credit card in my possession in order to verify my identity. They did read out to me my home address, which was an accurate address. 

I became suspicious that they were asking me to provide card numbers/details about my " other '' credit cards, in this case I had an XXXX XXXX XXXX in my possession. While I was suspicious about this call and the request for information, there were elements that seemed correct and I did read out my XXXX card number and last XXXX digits of social security number. When they asked me to read out the XXXX digit security code of my XXXX card I did not provide that, and I stopped providing information. 

I then called XXXX and cancelled my card with them. 

The original caller also gave me his name - XXXX XXXX XXXX from Chase, a XXXX Security Analyst. He also gave me contact information for the FTC 's Bureau of Consumer Protections, which is how I found my way to this website.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On the night of XX/XX/XXXX my Bank of America account was charged for a total of {$300.00} at several shops where I do not shop ( XXXX XXXX, XXXX location I do not shop at, XXXX and XXXX 's XXXX. My debit card number was stolen and used without my authorization. I submitted my claim through the proper channels and my claim was denied, despite their advertising that my account is protected from unauthorized purchases with " Total Fraud Protection ''. 

On the denial notice Bank of America sent cited that my claim was denied because I had " authorized the charges '' but this is simply not true. In fact i was made aware of the charges because Bank of America 's software froze my account because the spending pattern was unusual.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of identity fraud and am unable to reopen a closed account that I had with bank of America!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol, you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
I previously filed a complaint with CFPB against Creditor, I.Q. Data International , Inc. in Complaint No. XXXX. Creditor made materially false statements to the CFPB in its response. 

In its response, Creditor states : " The final account statement reflects XXXX XXXX is not being charged for any lease break fees .... '' As is evidenced by the last page of the Debt Validation Letter sent by XXXX XXXX XXXX XXXX XX/XX/2023, I am clearly being charged for a lease break fee in the current amount of {$2600.00}. This constitutes a materially false statement by Creditor to a federal bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I have been getting alerts to hard inquiries on my credit. Someone has been trying to open a credit card in my name, and I ended up getting XXXX to put some kind of freeze on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I purchased an item from XXXX I had to pay {$160.00} as a down payment so that I could go on a layaway plan through their sister company Affirm. However I never received the item in question even though XXXX said they delivered it, so I immediately disputed it with XXXX they reversed my payment back to my debit card and close the account. A f f i r m does not want to close the account as they said they are not responsible for closing the account and they have now put this on my credit and it is affecting me getting a house because they say that the amount owed is {$890.00}. I have explained to them several times on the phone that since I never received the item that I should not be responsible for payment I would have paid my monthly payments if I would have received the item, however since I never received the item I feel I should not have to pay for it because I do not have the item.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief