vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for Best Buy Credit Card ( Citibank ) several years back. According to Citibanks associates they upgraded everyones Bestbuy credit card to XXXX  last year XXXX ( XXXX ). This was done for consumer protection. I never received this card. I made a purchase since this new card was issued. I made my first payment on time in store because I assumed I forgot my login credentials and DID NOT WANT TO DEAL WITH THE PHONE SYSTEM to figure out how to reset my login. XX/XX/XXXX payment is completed a day late due to the same issue. I called this time to pay over phone and to address my inability to access my account online. This is when I was informed of a credit card I NEVER RECEIVED. Citibank has denied my access to my account because I have not activated a card they sent out. I never asked for an upgrade or for a different card. I think its completely predatory to deny access to a consumers account. Force them to either call the banks phone number or pay in person at a physical Best Buy location. Its predatory to add late fees to an account the individual has no access to. I was unaware of the late fees until today when I filed a complaint with Citibank via a supervisor. The associate kept talking about how my profanity was unprofessional but this financial institution is NOT CONDUCTING business professionally. As of this month XXXX ( XXXX ) I once again have no ability to access my account. It is 1 day late again because I need to make sure I drive to a location to pay my bill in person. The supervisor stated that he would remove the late fees but my concern is how this would impact my credit score as I HAVE NEVER MISSED A PAYMENT ON ANYTHING BEFORE. Last month was the first time in my 12 years of dealing with any financial institution. I am livid. I want to this resolved. I want this financial institution held accountable and I do not believe I am a fluke in the way they conduct themselves.

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 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I am writing to dispute the accuracy of a collection account on my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and other relevant consumer credit laws, including 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( d ), and 15 USC 1681-S2 ( 7 ) ( A ). I am requesting that you investigate the following account and, if found to be inaccurate, remove it from my credit report in accordance with the FCRA. 

Creditor Name : CCS Collections Date of First Delinquency : XX/XX/XXXX Amount : {$98.00} Creditor Name : CCS Collections Date of First Delinquency : XX/XX/XXXX Amount : {$64.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: PA

Complaint narrative:
I received an alert from XXXX XXXX advising me that an account had been added to my credit report. The account was listed as Jefferson Capital System, as a collections agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Please delete the following unknown address they are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am requesting them adresses to be reomved I never lived at the above addresses.

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 2024-02-29 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: EQUIFAX, INC.
State: NC

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: OHara Holdings, LLP
State: NY

Complaint narrative:
Im enrolled in credit monitoring from XXXX XXXX, and I received a notification that there was a hard inquiry or hard pull on my credit report, but I did not apply for any sort of credit. Upon an investigation I looked at my XXXX XXXX report, and it showed that there was a hard inquiry from Check Plus Systems ( finance ) on XX/XX/28. I XXXX their number and I called them, but they were very fishy and shady and they wouldnt give me any information. From what I can deduce is that theres another person with my name in Texas and they wrongfully pulled my credit, even though I never lived in Texas, or gave them any consent. I never even heard of this company. Im very upset because I work really hard to keep my credit score close to XXXX or above XXXX. How do they even have all my information? Please help remove this inquiry from my credit and bring them to Justice. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
If the necessary steps to rectify this situation aren't taken within 10 days, I'll file a complaint with the FTC. You're legally required to respond within 15 days, and failure to do so constitutes a violation, potentially resulting in fines up to {$1000.00}. I trust you'll promptly comply once you're aware of the issue. Please provide the investigation procedures for the following accounts within 10 days to avoid further action. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 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: PA

Complaint narrative:
I believe FCRA 605B means we need to remove any wrong accounts from my credit report. Can you please look at the documents? Some of the accounts listed are wrong, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting Credit Bureaus to investigate my accounts in question. Specifically, I dispute the following : The accuracy of the reported balance. 
The date of the last payment. 
The account status. 
I am requesting an investigation into the accuracy and completeness of the above data for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the fraudulent account that has appeared on my credit report. Upon reviewing my credit report, I discovered an account that I did not open or authorize. This unauthorized account is damaging my credit score and reputation, and I demand immediate removal from my credit report. 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 explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the fraudulent accounts that have appeared on my credit report. Upon reviewing my credit report, I discovered several accounts that I did not open or authorize. These unauthorized accounts are damaging my credit score and reputation, and I demand their immediate removal from my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: PA

Complaint narrative:
I received email from True Accord about a debt, that wasn't mine, was discharged in XXXX, and the debtor died last year. This company doesn't do any verification and is harassing me without any legal standing.

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 2024-02-29 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: LEXISNEXIS
State: MI

Complaint narrative:
Lexis Nexis allowed XXXX XXXX to run an inquiry not once but twice on the same day without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble.My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-02-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK & BRITISH AIRWAYS On XX/XX/2023, I purchased through Chase 's travel agency a ticket for a flight from XXXX to XXXX to be taken in XX/XX/2023. Included in this purchase was an upgraded seat to Premium Economy. The total cost was {$1800.00}. ( See attached for transaction details. ) Upon arriving at the gate, I was downgraded to Economy with the promise I would sit in Economy with the entire row to myself. Unfortunately, one of the flight attendants had their fiance sit next to me where she proceeded to lay down in the entire row, squishing me to the side. They also promised a 75 % refund per XXXX  laws ( Regulation ( XXXX  ) XXXX XXXX ) and British Airway policy ( see attached ). 

I went to claim the refund on the British Airways website many times, with the same response - They are not responsible for issuing the refund- Chase Travel needs to provide the refund ( see attached ). 

I have contacted Chase Travel, Chase Benefits, and Chase Disputes, but nobody can help me or know how to get my refund. I filed a credit card dispute but they refused the refund because " service was rendered '' when I took the flight. 

It has since been escalated to a supervisor in Chase Travel, but it has been a lot of time since that occurred and I am still waiting today to see any resolution, if any. This was my first time using Chase Travel and will certainly be my last because Chase did not advocate for me, their customer, nor is it common knowledge among Chase staff on how to resolve this. 

I have also attached my airline ticket which states " Involuntary downgrade due to over-sales ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Experian responded to my complaint pretending not know what I complained about to the CFPB, but there is only one item on my credit report that I am disputing. My complaint is that I disputed this same false information with Experian amost two years ago, but Experian has put it back on my credit report again. This is double jeopardy and illegal. So here is the information that they already have that they claim that they do not know. Account name : XXXX XXXX XXXX XXXX amount : {$950.00}. Original creditor : XXXX XXXX. Report Number : XXXX. Date Generated : XX/XX/2024. I am asking CFPB to send these facts to Experian so they can once again take this account off my 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 2024-02-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries.

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 2024-02-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I submitted this complaint to update this suspicious information. Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The specific account is on Equifax and is no reporting on other credit agencies of XXXX or XXXX. It was removed and re-inserted without proper notice. I never received any documents nor certified mailing to my home. No proper legal validation of the account. The account is listed on Equifsx and no other credit agency. Dates listed on the account is improper of account activity and it is incorrect. I have disputed the account one the past years and was denied of my right of receiving a proper and correct investigation. The account is erroneous and reporting incorrectly on 1 credit agency which shows improper not valid and inconsistency. I asked for proper steps on how the account was verified through legal validation from the credit agency. I didn't receive any documents that I asked for. No one cou8ld provide that information to me. I am not sure how I received so many inquiries please remove them they done belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: ND

Complaint narrative:
Earlier this summer I had an incident where a theft occurred and this included my XXXX  account which had unauthorized charges and attempts to use cards on file to purchase items. I contacted XXXX XXXX and informed them of situation. I provided documentation letting them know of the incident. I should never have been charged for the unauthorized charges and my account should have never been able to be used to purchase anything at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am behind on my truck payment due to other issues. When I called them for payment arrangement they advised me of a deferment. When I check my account days went by and nothing ever changed. I messaged them they said due to Im going through XXXX XXXX XXXX I can not have a Deferment or any payment arrangement assistance. XXXX XXXX XXXX was for my credit card and has nothing to do with my truck payment so Im not sure why it is effecting assistance on that and why they never notified me that my request was denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-29 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief