vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXXXXXX violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : 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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
In accordance with the credit reporting act. The List of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 

Account name : 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 XXXXXXXX violated my rights. 

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no report containing any of the following iter other than records of convictions of crimes which antedates the report more than seven years.

15 U.S.C. 16818-2 ( A ) ( 1 ) A person shall not furnish any inform : 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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
This is regarding a CitiBank. In XX/XX/XXXX I signed up for a promotional XXXX of XXXX XXXX on new purchases and received confirmation that the XXXX was XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I made several purchases. On XX/XX/XXXX I made a payment through the CitiBank website but unfortunately selected an old and closed bank account. The payment obviously did not clear. I instead made a payment on XX/XX/XXXX out of my current bank account, which cleared well before the XX/XX/XXXX due date. 

Since XXXX, CitiBank has been charging an APR of XXXX XXXX on the amount that did not clear on XX/XX/XXXX ( {$3100.00} ), which I only noticed this month. I communicate with CitiBank twice ( XXXX chat conversation included, also did a phone call today ) and the staff were unable to tell me why this was the case other than to say it occurred. I confirmed with them that the XXXX XXXX APR promotion is still in place and was not voided by the return payment. I reviewed the terms of my special promotion ( included ) which does not include a provision for this. I requested that they send me the terms by which this occurred and they tell me that there is no such document.

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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE 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. 

PLEASE SEE ATTACHED LETTERS.

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 2023-01-04 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Six years ago I reported errant charges to my Steinmart Credit Card account ( administered by Synchrony Bank ), after receiving my monthly statement ( XX/XX/XXXX ). My account was closed, a new one was opened and a new card sent. For the past 5+ years, I have received monthly statements showing the disputed amount as " payment not required ''. Each time I spoke to a representative of the company I was assured that I did not have to pay the disputed amount, so " don't worry about it ''. Last month ( XX/XX/XXXX ) a minimum amount ( {$28.00} ) of the disputed was suddenly due. I spoke to 12 different representatives from 4 different departments, as I was tranfered multiple times. The hour and a half call ended with a gentleman named XXXX in Investigations. He told me that I would receive a letter within 7-10 business days and a credit within 48 hours. That never occurred. Additionally, today I received a call from a representative of the Synchrony Bank collection department, who after hearing my 6-year tribulation, and reading all the notes left by numerous persons within Synchrony Bank XXXX and after making several calls herself, told me to call the XXXX XXXX XXXX XXXX The collection department representative stated that my account balance was now " double '' what it was plus interest and late fees, which she removed, because the last account was closed but never " zeroed '' so the balance carried over, plus the balance was added to the new account. She also advised me that would only work for one month, and lodged a complaint on my behalf. I have almost 6 years of statements, names/dates of most of the people at Synchrony with whom I have had contact, as well as letters to/from Synchrony. I WOULD BE EXTREMELY GRATEFUL IF YOU COULD HELP ME END THIS 6-YEAR NIGHTMARE!!!

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 2023-01-04 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: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello, Thank you for taking the time to review my concerns. 

On the weekend of XX/XX/2022 - XX/XX/2022 I purchased 4 nights stay at the XXXX XXXX and during that timeframe we did not have a working shower. I spoke with management during every night of the stay and they would promise to address the issue but it was never resolved. 

This is disappointing because a functional shower is an essential part of a hotel stay and my parents and baby brother were not able to clean up which resulted in health issues. 

Chase manages rewards parties via a third party member and in order to discuss the issue, I had to contact ChaseTravel>Vendor>Hotel in order to receive more information. This game of telephone did not allow me to properly convey the issue and work towards a resolution. 

Upon filing a dispute this added another layer to the conversation Chase XXXX. After speaking to multiple people on the issue I dont believe the details were correctly recorded and my dispute was closed.

As a customer, I dont believe Chase attempted to correctly resolve or correct the issue for the following reasons : 1. They did not allow me to dispute the full amount as I used travel points for {$300.00} out of a {$950.00} dollar stay 2. They introduced multiple lines of communication which prevented me to accurately articulate the issue 3. Unclear resolution description 4. Little to no communication from Chase on the issue submitted or resolution

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital One is in direct violation of multiple FCRA Laws while reporting/furnishing incorrect and inaccurate data to my credit report. 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Southwest Credit Systems, L.P.
State: MD

Complaint narrative:
I have been contacted on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX multiple times a day most before XXXX. I have confirmed information for the debt collectors but they are asking for more personal information while threatening to take legal action in this matter if I dont provide said info. I have not been informed that the company is even a debt collector ( I XXXX  the number & my XXXX shows the company name ) nor have I been made aware of what debt the company is attempting to collect. I am being unjustly harassed, threatened, and to be honest am feeling like Im being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing this complaint because the Credit Reporting agencies are inaccurately reporting outdated and or wrong information on my credit profile. I have mailed to the agencies my correct and accurate personal info to be displayed on my credit profiles. I will attach the letters I sent to each bureau. Please erase and remove ALL OUTDATED AND INCORRECT personal information from my credit and update with the correct information. I will have attached the info that should be 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 non-monetary relief
Consumer complaint received 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/2022, I purchased a Vanilla Gift card for my daughter for XXXX at the XXXX in XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Helped by XXXX. 

She tried to shop for XXXX gifts on XX/XX/XXXX and the card was declined. We thought maybe it was too early to use ( even though our receipt says activated ). We looked online and it showed a {$150.00} balance So she tried again and again and still the card is declined. We logged back onto to vanillagiftcard online and it now says an error occurred each time we try to check the balance. She called the Vanilla Gift card number on the card and sat on HOLD for over an hour. Finally, they answered and said there was a problem with the card, that they don't show a card with that number?! When we explained that we already saw the balance on the card and now there is a system error, they said we will have to try again the next day. We continue to try and the system continues to show an error occurring. I have tried calling multiple times since then and sat on hold for up to an hour without anyone answering the phone. 

My daughter is a XXXX XXXX XXXX and she needs this money. Can you help us? 
You can reach me at XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 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: FinCo Services Inc DBA Current
State: MD

Complaint narrative:
My XXXX account was accessed by an unauthorized party from a XXXX  IP address on XXXX XXXX XXXX. They were granted access to my XXXX account and proceeded to charge 3 bank accounts a total of 14 times, with each charge being XXXX for a total of {$2700.00}. The person purchased XXXX points and credits for another game called XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was charged 5 times, with them stopping 3 of the 5 charges and refunded all charges that went through. XXXX allowed 3 charges, but have since refunded the money after opening disputes. Current ( FDIC Insured through XXXX XXXX XXXX ) allowed all 6 charges to go through, and have since denied my charge disputes ( officially opened on XXXX XXXX XXXX  ) and the appeals on that decision. I provided sufficient evidence to prove that I did not place these charges, including a letter from my XXXX XXXX  stating I was at work in a XXXX XXXX where oXXXX XXXX  are not allowed at the time of the unauthorized account activity and charges. Current provided me the evidence they received from XXXX to prove that the charges were not fraudulent, but included questionable evidence, including an incorrect email used and IP details from XXXX that the charges were placed from XXXX. Not only this, when my XXXX account was accessed, the person changed the associated email address to a XXXX email and locked me out of account security features for 30 days. 

I also have IP address logs from the day of and days following the incident, showing IP address activity from multiple countries including XXXX and XXXX. This can be provided if necessary, as this may include personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
In XX/XX/2022 I received a XXXX loan from Wells Fargo. I paid off the loan in XX/XX/2022. I applied for a new loan, within 2 weeks, in the amount of XXXX and was turned down. I have been given numerous conflicting reasons for the denial such as length of accounts are too new, insufficient income, checking account balance too low. Nothing has changed financially since my previous loan. I suspect retribution on Wells Fargos part. I am a XXXX veteran with guaranteed income, I have 100 % on-time payments for 20 plus years, my credit scores are good. I get direct deposits regularly and I pay my bills on time. Something is rotten within Wells Fargo. I wondering if they are still practicing illegal loan practices. I know Wells Fargo has recently paid over XXXX XXXX dollars in fines and restitution for illegal practices. 
Without this loan I will become another homeless veteran. I have tried my best to resolve this issue with Wells Fargo and get nothing but conflicting reasons and a general run around. Something is absolutely wrong here.

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 2023-01-04 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: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  Account # XXXX, 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 XXXXXXXX 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 2023-01-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
On XX/XX/2022, I sent letters to all XXXX credit bureaus, asking them to verify the debts below. 

XXXX XXXX {$410.00}. 
XXXX XXXX XXXX {$1800.00}. 
XXXX XXXX {$880.00}. 
XXXX XXXX XXXX {$1300.00}. 

I demanded that they provide me with all the documents pertaining to these debts to verify accuracy and the legitimacy of these collection items. The response that I received to this, was simply Verified. They did not provide me with any information as to how such conclusions was reached. 

On XX/XX/2022, I sent a second letter to each credit bureau, demanding that they provide me with the original contract, from the original merchant, that shows the original balance. The credit report agencies have not been able to provide this information to me, and yet refuse to rectify the information they are reporting under the FCRA 609/611 provisions.

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 2023-01-04 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2022, I sent letters to all XXXX credit bureaus, asking them to verify the debts below. 

XXXX XXXX {$410.00}. 
XXXX XXXX XXXX {$1800.00}. 
XXXX XXXX {$880.00}. 
XXXX XXXX XXXX {$1300.00}. 

I demanded that they provide me with all the documents pertaining to these debts to verify accuracy and the legitimacy of these collection items. The response that I received to this, was simply Verified. They did not provide me with any information as to how such conclusions was reached. 

On XX/XX/2022, I sent a second letter to each credit bureau, demanding that they provide me with the original contract, from the original merchant, that shows the original balance. The credit report agencies have not been able to provide this information to me, and yet refuse to rectify the information they are reporting under the FCRA 609/611 provisions.

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 2023-01-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
This is a XXXX XXXX card with Comenity Capital Bank. I paid this card off in full on XXXX. And I was planning to shut this card down and discontinued using it for the remainder of the year. On XXXX a fee of {$2.00} was charged. Then again on XXXX ( {$2.00} ), the again on XXXX ( {$2.00} ), then again on XXXX ( {$6.00} ), then again on XXXX ( {$2.00} ), then again on XXXX ( {$14.00} ), then again on XXXX ( {$2.00} ). On XXXX I received notification of my credit score declining and saw that this card was marked delinquent. I immediately paid {$30.00}. To cover the fees. No one can answer me what the fees are for and they weren't posted until nearly a month after the balance was paid in full. This is immoral and wrong. I'm not as upset about the money as I am the decline in my credit score.

Company response to consumer: Closed with monetary relief