vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: GA

Complaint narrative:
XX/XX/2023, I submitted a check for deposit via Alliant CU mobile app. Nothing was stated in the dialog box before I presented the check for deposit, saying it would have a 14-day hold on the check due to it not being a payroll check.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting 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 has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-11-28 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: TN

Complaint narrative:
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 has violated my rights. 
15 U.S.C.1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION. 
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 CONVICOF CRIMES WHICH ANTEDATES THE REPORT BYMORE 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 non-monetary relief
Consumer complaint received 2023-11-28 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: TN

Complaint narrative:
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 has violated my rights. 
15 U.S.C.1681 SECTION 602A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681SECTION 604 A SECTION2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTION.

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 CONVICOF CRIMES WHICH ANTEDATES THE REPORT BYMORE 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 non-monetary relief
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Valor Intelligent Processing, LLC
State: MD

Complaint narrative:
Ive been disputing an item on my collections for a few months now. Valor Intelligent Process has been reporting an inaccurate item on my credit report that shouldnt even be in collections as Ive been making payments to the actual creditor ( XXXX ). Not only is the account not in collections standings, the amount theyre alleging I owe does not reflect the amount with XXXX XXXX. The debt with XXXX itself was accrued after I moved out of my apartment and called to cancel service that was never cancelled in the first place. Now Im asked to make payments for months of service I never used. 
I can not make payments to the original creditor and simultaneously make payments to the collection agency. I never received any sort of correspondence from Valor, only XXXX and then one day this collections company generated on my credit report. I am now worried that if I finish paying my debt with XXXX, I will still be left with a debt to pay with this third party collections agency. This issue is causing me a lot of anxiety and it is also ruining my credit. If Im making payments directly to the company with whom Im in business, there should not be a third party company reporting me for a completely separate amount simultaneously. Its like Im being penalized twice. At this point Im working with an attorney and will be suing if this matter is not resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Credit 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: Chime Financial Inc
State: FL

Complaint narrative:
My flight XXXX hours away from the state I reside was canceled. I didnt find out until the morning of ( the flight was supposed to depart at XXXX ). The airline sent no notice of cancellation to me so I had no time to cancel arrangements in advance. Therefore, I was unable to make my hotel stay that I booked through XXXX. I contacted the hotel and XXXX so I could get a refund or at least stay at a later date. They said that neither were options so I contacted my credit card company to dispute for services not rendered. I didnt even make it to the state the hotel was located in to stay due to the flight cancellation. Now XXXX is calling asking me to cancel the disputes in exchange for {$15.00} worth of credit with them. XXXX is now sending untrue emails when I know the calls are recorded so why lie? I paid almost {$400.00} in total for the hotel stays! I did a spilt stay so one is for XXXX XXXX and one for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hello please help, this company have engaged is abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More less they did not follow the proper five step validation procedure which make this unfair practices. According to the FDCPA I'M ENTITLED TO XXXX DOLLARS PER VIOLATION AND CLEARLY THEY VIOLATED MY RIGHT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am reporting misleading information. There is no filing this complaint for falsely third party involved. Please review the uploaded 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 explanation
Consumer complaint received 2023-11-28 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: PA

Complaint narrative:
To Whom This May Concern : Account Number : XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX I am a victim of an XXXX XXXX ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the XXXX XXXX ( see attachment ). All 3 credit bureaus XXXX, XXXX and Transunion needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXXXXXX XXXX and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this information.

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 2023-11-28 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: PA

Complaint narrative:
To Whom This May Concern : Account Number : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX I am a victim of an XXXX XXXX ( see attachment ) and here is the proof. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. My information was impacted, and they refuse to remove the information by the XXXX XXXX ( see attachment ). All 3 credit bureaus XXXX, Experian and XXXX needs to remove this negative information as I was a victim of this data breach. 

XXXX XXXX XXXX  and XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act and send the required notifications to all furnishers with this information.

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