vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I purchased an item from a company that went out of business and did not recieve my item. I completed payments on my XXXX loan on XX/XX/XXXX. 

XXXX first claimed they couldn't help me because I was outside of the 60 day resolution window and I would have to contact the merchant. The merchant is closed. They reopened the case. I provided proof of purchase and proof of business closure. 

I disputed the XXXX payments with my bank, who ruled in my favor since the company had closed, I didn't get my item, and XXXX was non-responsive. I was credited that money back. 

I am now receiving repeated contact from XXXX falsely stating that my loan has fallen into delinquency and will be reported to the credit bureaus as unpaid while my case is still under investigation. I was previously advised by XXXX to NOT make any payments while my case was being investigated. 

I have filed a dispute with Experian because Affirm is reporting a non-payment, even though I did not receive the item I financed. 

I called them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and informed them that if they kept emailing, texting, and calling to collect while my case was in dispute and under investigation that I would report them to CFPB for false reports and continued harassment. They are continuing to contact me. I have emails and texts dating XX/XX/XXXX, XX/XX/XXXX, and XX/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 explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-09-15 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: 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 non-monetary relief
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
I am a victim of identity theft, and I did not make or authorize these charges, I have included a copy of my police FTC report and two forms of id to verify my identity, I am requesting that those charges be removed immediately.

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Credence Resource Management , LLC, ( Credence ) is the agency representing XXXX in its attempt to collect {$1300.00}, from me. Prior to the Credence collection letter sent in XX/XX/XXXX, the only communication I received from XXXX was solicitation to join its network. After researching my records, I confirmed to Credence that XXXX had been paid and the service terminated in XX/XX/XXXX. XXXX followed up with duplicate, non-itemized bills ( some of which were missing pages ) which only proved their error in black and white. I contacted XXXX, pointed out the discrepancies and thought the matter was closed as of XX/XX/XXXX. On or about XX/XX/XXXX, Credence made a collection entry to XXXX, which is now being reported on all three credit reports. In my third and last communication with Credence, I was told the entry was being removed as we spoke ( Monday, XX/XX/XXXX ) and would no longer appear on my credit reports before the end of the week. ( XXXX provided bills indicating a charge for equipment followed by a narrative of congratulations on paying off the equipment reflecting a XXXX balance of same ; Credence agreed to remove as consolidation loan for me was pending and I told them I was going to report them on XX/XX/XXXX, as they continually fail to keep promises. ) For the sake of brevity, I will exclude the detailed conversations of follow-up I had with Credence prior to Monday. The attached documents are self-explanatory. Please contact me if you require further information. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: CA

Complaint narrative:
My information was involved in the XXXX data breach and I ended up having unauthorized accounts and inquiries listed on my credit report. these accounts are invalid, inaccurate and incorrect. inaccurate credit reports directly impair the efficiency of the banking system and is hurting my reputation because these accounts and inquiries were not authorized by me. I need them removed immediately because this is hurting my chances at getting another mortgage. I included the letters that I sent out more than 30 days ago. I haven't heard from the credit bureaus yet and I know that have to respond within 30 days. this is unfair and I am being taken advantage of. I included my identifying documents with my letters and I need these disputed accounts removed immediately

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I made a puchase at Kohls on XX/XX/XXXX for {$52.00}. On XX/XX/XXXX, prior to the closing date of the billing cycle, I received a charge from Kohls for {$1.00}, which was accidentally charged twice, for a bounce back of my checking account. 

I had gotten divorced and opened a new checking account at the same bank because the bank was unable to remove either spouse from the joint checking account, but I don't use the Kohl 's card very often, and didn't realize that I hadn't updated the account number. 

I called Kohls and chatted with them online several times on XX/XX/XXXX, and they credited back the fee when I explained that this was an honest misunderstanding, I have never been late, and I have excellent credit ( score around XXXX ), and held the credit card account for over 10 years. 

I spoke to XXXX different people who said the account was now cleared, and I got a confirmation that the total of {$52.00} was paid. Nobody had mentioned that the automatic bill pay feature was XXXX, or that I needed to make a one-time manual payment. 

On XX/XX/XXXX, I receive a notification from several credit card monitoring services that my credit score dropped over XXXX points!! I have always had an almost-perfect credit score, always have automatic bill pay, and have never been late. I called Kohls to inquire what had happened, and was informed that the payment of {$52.00} did not process on their end. I immediately paid the total on the app while I was on the phone with the agent, and asked them to clear this late payment from my credit reports, as this was all a misunderstading, and I had already called on XX/XX/XXXX to reverse the charge, update the checking account, and had received an update that the payment had gone through. 

I was told by the agent that they can not update the credit reporting agencies, and that I will just have to accept an XXXX hit to my almost-perfect credit score that I have spent decades meticulously monitoring and cultivating.

If you view my credit report, you will see that I have an installment mortage account, credit cards with a long history ( oldest account was opened in XXXX - XXXX ), and I have never had a late payment and pay all of my accounts off in full every month without fail ( except the mortgage - I cant afford to pay the entire mortgage off in one month, or I wouldnt need a mortgage! ).

Please help. I have already contacted Kohls ' several times, and have paid the amount in full the MOMENT I found out there was a discrepancy. This is not equitable to suffer such a large blow to my credit score all because they didn't process the payment when I updated my checking account, after receiving a notification that the payment was processing. I am the farthest thing from a credit risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This company Credence Resource Management LLC has taken old, inaccurate and incorrect information ( {$4100.00} ) and used it to put a derogatory item on my credit report ( XXXX XXXX, XXXX  ). I do not owe this company any monies and have never done any business with this company!! They are in total violation of the current credit reporting legislation. I have been unjustly harmed due to this company 's egregious tactics. Again, this company has no record of me doing any business with them and they should be forced to correct my account with the credit reporting agencies expeditiously in a timely fashion! Thank for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am writing to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding my XXXX XXXX American Express card account, issued by American Express. I am deeply dissatisfied with the recent changes to the card 's benefits, which have rendered the card significantly less valuable to me as a consumer. 

I have been a loyal customer have held the XXXX XXXX American Express card for 1 year and have been a Skymiles member since XXXX. I initially signed up for this card because of the enticing benefits it offered, including [ paid XXXX XXXX XXXX access, priority boarding, and boosts when spending {$25000.00} and {$50000.00}. ]. These benefits were a major factor in my decision to become a cardholder and to continue paying the annual fee. 

However, I was recently informed that effective XX/XX/XXXX, several of the benefits that initially attracted me to this card will no longer be available. The specific changes that have been announced, such as [ the removal of MQMs to earn status, and the removal of complimentary XXXX XXXX XXXX access ], significantly diminish the value of the XXXX XXXX American Express card for me as a customer. These changes were not communicated clearly or with sufficient notice, leaving me feeling blindsided and betrayed as a loyal cardholder. 

I believe these changes fail to meet the standards of transparency and fairness that consumers should expect from their financial institutions. I have made significant financial decisions based on the promised benefits of this card, and the sudden withdrawal of these benefits has put me at a disadvantage. Not to mention, I just paid the {$250.00} annual fee less than two months ago. 

I kindly request that the CFPB investigate this matter thoroughly to ensure that American Express upholds its responsibilities to its customers and adheres to all relevant consumer protection laws. Furthermore, I urge American Express to provide affected cardholders with a fair and equitable resolution. 

I appreciate your attention to this matter and look forward to a timely response. You may reach me at the contact information provided above should you require any further details or clarification regarding this complaint. 

Thank you for your assistance in addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: FL

Complaint narrative:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
The company is reporting false late payments.

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 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I XXXX XXXX examined my credit report and found a late payment dated XX/XX/2023 from XXXX  XXXX. According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A late payment or credit note is consider a transaction. 

Account Name : XXXX  XXXX Account Number : XXXX Please remove this negative item from XX/XX/2023 and update to current/terms met.

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 2023-09-15 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 XXXX XXXX examined my credit report and found a late payment dated XX/XX/2023 from XXXX  XXXX. According to Title 15 U.S. Code 1681 ( 2 ) ( a ) ( i ) ; Rule of Construction, it states a " " consumer report '' does not contain information solely as to transactions or experiences between the consumer and the person making the report ; ''. A late payment or credit note is consider a transaction. 

Account Name : XXXX  XXXX Account Number : XXXX Please remove this negative item from XX/XX/2023 and update to current/terms met.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: MoneyLion Inc.
State: OH

Complaint narrative:
My adult child fraudulently acquired some {$100.00} or XXXX loan from the company which required loan payment of XXXX ( some scheme they were overcharging and going to refund at end of loan ) with an additional {$20.00} fee per month. Called the company to resolve this issue as it was done without my consent and the company is giving me the run around

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 2023-09-15 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: TX

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 2023-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These loans from XXXX XXXX for XXXX ( Graduation in XXXX ) in XXXX, OH originated XXXX or XXXX years ago and reflect balances on Transunion from XXXX XXXX. They have been sold to several companies a few times over resulting in the dates being as recent as XXXX. They do not appear on XXXX at all. There has never been a single payment made on any of the XXXX accounts in question ( balances- {$1900.00}, {$1100.00}, {$3900.00}, {$4800.00}, {$7700.00} and {$9300.00} ). I contacted XXXX and was able to verify on the website that no student loan of any sort is listed in any of my accounts. Transunion has the XXXX above amounts listed ( I did make a dispute ). I spoke with the Department of Education and they attempted to scare me and bully me into making a payment or entering into a repayment plan, I declined to do either. The department of education also claimed that I owed over XXXX! I am unable to get a home loan for myself and my kids while I'm surrounding a divorce from my husband. I don't know where else to turn. Please help!

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 2023-09-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was picking up the customer when I picked the customer up and customer stole my phone from my hand and run off with my phone there for I had all my banking information on my phone and they did wire transfer and stole my money over {$14000.00} and more they Also transfer the money to few accounts and also they did online ordering from XXXX XXXX and ach transfers I was victim of robbery and I had all my money from my account taken out by my XXXX passenger when they stole my phone they took out money from my chase bank my business account and personal account on XX/XX/XXXX there was a transaction of {$2100.00} ach  transfer and same days there was multiple transactions ach transfers for {$42.00} another one for {$100.00} and continues to XXXX XXXXand continues to {$37.00} another one for {$2.00} again on XX/XX/2023 there was more transactions such as {$450.00} and continues down to another {$500.00} again on XX/XX/2023 online domestic wire fee for {$25.00} again on XX/XX/2023 there was a wire transfer ach for another {$500.00} and one more transaction on XXXX XXXX XXXX for {$7700.00} and it continues down to my personal account from. business account on XX/XX/XXXX they ordered XXXX eats from my personal banking for amount of {$3.00} and again on XX/XX/XXXX they ordered for {$15.00} and again on XX/XX/XXXX they charged me fro {$20.00} and again on XX/XX/XXXX they transferred from my personal account the amount of {$2300.00} and this are all the transactions that was made from my personal and business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
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 explanation