vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-30 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
on XX/XX/XXXX We were attempting to book emergency flights under duress to attend a funeral for a family member. Due to the costs of las minute flights, we went from our normal XXXX flights to look for XXXX flights. We unwittingly clicked a link for XXXX and ended up booking flights we absolutely did not want and did not meet the search criteria submitted to their booking service. Within seconds of completing the checkout, we saw the flights were wrong and took immediate action to stop the process. 

We contacted American express to stop the payment. They told us there was nothing they could do until the purchase posted to our account. At the same time we tried to contact XXXX in the most direct way possible, but the only have a webform to fill out no phone # and no email address. We filed the web form and received an email stating a consultant would contact us as soon as possible. The email address was a no reply email. We filed the web form a couple more times and were able to file a cancel booking form after XXXX actually booked the flights, several hours after initial contact and booking. ( They had several hours to communicate with us before they booked the flights ) We contacted American express after the transaction posted to our account. They told us to work it out with XXXX. To this date XX/XX/XXXX XXXX has not contacted us in any form. 

We attempted to cancel the bookings ourselves as all major airlines have a XXXX hour cancellation notice. We were told the booking agent alone could cancel the flights. The booking agent does not respond to any contact. 

We never used the flights. 

We have been disputing this with American express for 3 months. Have submitted all details to them. Their investigation team reached out to us, but did not return our call. They continually gave us false hope that the would find in our favor if we just kept reopening the complaint. 

XXXX is based in XXXX. Stopping this transaction should have been easy for American express to do. XXXX has multiple complaints against them. They do not appear to be a legitimate business. American express should have protected us from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: NC

Complaint narrative:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collector : Paragon Revenue Group. This company opened an account using my personal information with no authorization from me. Paragon Revenue Group has reported that the account of the alleged debt is open and active but listed under collections. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for these companies. XXXX sent a response letter providing me with the contact information this debt collection company listed above. This company has reported an incorrect illegal account to The Credit Bureau without consent from me. Paragon Revenue Group is holding my personal medical information without a contract between them and I to hold my personal health information within their company. This tactic is listed in the U.S. Law as identity theft and a HIPPA violation. Paragon Revenue Group used my social security number, name, address, etc. They also created an account identification number without my permission within their establishment to identify me and I'm not sure who they are. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies to operate in business due to this oppression. This company has posted that because the alleged debt that I do not owe has been sent to an attorney that has not reached out to me. This is a violation of 15 USC 1692 j and 15 USC 1692e.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint again with the CFPB as I have not received any resolution from all 3 credit bureaus. I started this process on XX/XX/2021 and now I get letter asking for confirmation of my identity. I have provided it back then and now I am providing this again through the CFPB. Please act on all my disputes. I believe this is just another delay tactic.

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 2022-01-30 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am filing a complaint again with the CFPB as I have not received any resolution from all 3 credit bureaus. I started this process on XX/XX/2021 and now I get letter asking for confirmation of my identity. I have provided it back then and now I am providing this again through the CFPB. Please act on all my disputes. I believe this is just another delay tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Social Finance, Inc.
State: NY

Complaint narrative:
They offer rate to 5.99 % They run the pre-calification and offer a good rate.. But after They note your accent speaking, they increase.. 


They offer me 8.99 % by 5 Years. 

and after They move to 27.95 % They are making something bad things...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove the accounts on my credit report because those are not mine.

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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please remove the accounts on my credit report because those are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a 30-day delinquency error removed from my Credit Report. XXXX XXXX XXXX made a posting error and posted my payment to one of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : Correspondence Card Services Dated XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX XXXX.This account was reported 30 Days late on my credit reports and Im am requesting that the 30-day delinquency be removed and listed paid as agreed. I was notified via of email by XXXX Credit Reporting service on XX/XX/XXXX XXXXof this 30-day delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX ) your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely 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 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To CFPB From XXXX XXXX XXXX Dated XX/XX/XXXX To Whom it may concern, I am writing this correspondence in the hope that you can get a XXXX delinquency error removed from my Credit Report. XXXX XXXX XXXX made a posting error and posted my payment to XXXX of my other four XXXX XXXX XXXX accounts and sent me a two refund checks and marked the account in question 30 days late. I have written to them several times and call them with luck, they sent me a letter ( attached ) stating that the delinquency was reported as accurate.This is not the case, They made the error in posting the proper account To : Correspondence Card Services Dated XX/XX/XXXX XXXX XXXX XXXX Old XXXX XXXX NY XXXX From- XXXX XXXX SS # XXXX XXXX XXXX po box XXXX XXXX Fl XXXX Dear XXXX XXXX XXXX, Im am writing you this letter to advise you of a posting error that has occurred on my account ending in XXXX XXXX 4840.This account was reported 30 Days late on my credit reports and Im am requesting that the XXXX delinquency be removed and listed paid as agreed. I was notified via of email by XXXX XXXX XXXX service on XX/XX/XXXX XXXX this XXXX delinquency and immediately called your bank. 
I received a refund Check/Overpayment check dated XX/XX/XXXX ( XXXX XXXX Check Number # XXXX ) in the amount of {$190.00} ( See Attached copy of Check ) that was posted to XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX. 
I received a second Refund /Overpayment check Dated XX/XX/XXXX in the amount of {$190.00} from XXXX XXXX XXXX  XXXX your Check number # XXXX. This amount ( {$190.00} ) was posted to account # XXXX XXXX XXXX XXXX and should have been posted to account XXXX XXXX XXXX XXXX ( The account marked 30 days late ). Causing the account to go delinquent. My other accounts with XXXX XXXX XXXX are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-30 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: FL

Complaint narrative:
I have contacted each company listed below as well as XXXX, Transunion, and XXXX in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.

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 2022-01-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have contacted each company listed below as well as XXXX, XXXX, and Equifax in an effort to remove the following unauthorized inquiries from my reports as they did not receive my written consent to access my credit report. Each company told me that they don't accept phone complaints for inquiries despite their websites stating that I can dispute over the phone. They also don't accept disputes for inquiries online. 

The following inquiries are listed on my credit reports according to the corresponding Reporting Agencies : 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 XXXX XXXXXXXX XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I strongly believe that these Agencies are attempting to stall the process and be a bigger issue than a help in the process of me attempting to fix the errors in my credit report. 

These errors are negatively affecting my ability to get a mortgage, a loan, a credit card, and negatively affecting my ability to obtain my military security clearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian XXXX XXXX XXXX XXXXXXXX XXXX  XXXX To Whom It May Concern : Pursuant to 15 ys6 1681a ( 2 ) ( B ) " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device '' Should be excluded from a consumer report. The definition of a credit card under 15 us 1681 is the same as it is under 15 USE 1602 ( 1 ) which is " the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit '' Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from My consumer report pursuant to 15 us 1681a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally Protected consumer under title 15 chapter 41.

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 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
In XXXX of XXXX, I reached out to Affirm Inc. over the phone after noticing unauthorized loans noted as delinquent on my credit report. I did not open these Affirm loan accounts and did not authorize anyone to use my personal information to obtain loans from Affirm. After the phone call with the Affirm representative, it was promised that the issue would be resolved and I would receive an email within 7-10 business days. None of this occurred. I did not receive an email or any contact from Affirm. In XXXX of XXXX, I noticed more fraudulent loans appearing as delinquent on my credit report. At this moment, it became apparent to me that Affirm had done nothing on my behalf. Affirm failed to shut down the two accounts that contained my social security number. Again, In XXXX of XXXX, I pleaded with Affirm to help me. I asked that they please shut down any accounts that contained my information. The representatives repeated the same lies from XXXX, stating that I would receive an email with more information. At the time, I did not receive an email or communication from Affirm. I was left in the dark while some thieves had access to Affirm accounts with my social security number. It was not until I reached out to Affirm on XXXX, XXXX, XXXX that I finally received an email asking me to submit an Affidavit form. The form was submitted, however, on XX/XX/XXXX, I received a follow-up email requesting that I again submit another Affidavit form on their website. I suspect that this was done to give them more time to respond to my request. As of today, Affirm continues to report to XXXX that those unauthorized loans belong to me, despite the fact that Affirm has failed to do a proper investigation. In other words, Affirm is blatantly lying to a credit reporting agency out of laziness. Affirm has repeatedly lied and promised to shut down the accounts that were using my social security number without my authorization. Now, I am being harassed by emails from Affirm asking me to pay the delinquent loans. These are loans that I never authorized or received goods from. Affirm is allowing someone to continue to have access to my accounts. They refuse to take my claims seriously. I did not receive any contact from them until XXXX, almost four months after I initially reached out to the company. I was given the runaround multiple times, all while my credit report continues to suffer. Furthermore, I was told by one of their representatives that either one or both of the accounts had a different first name. I can not believe that their website has such faulty security checks in place. Not only did they allow two accounts to be opened with my social security number, but the information ( name ) does not match mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have three credit cards with CITI bank. One is an XXXX card with an annual fee of {$99.00}. I'd like to close that card but move my credit limit from that card to one of my other two cards with CITI. They will not allow that. So my choice is either pay {$99.00} fee per year to keep it open, or close the account and see my overall credit limit significantly decrease, therefore damaging my credit score. 

I spoke with CITI on the phone today and then used the chat feature, but they simply closed my account, saying they would not move the credit limit to another card and they would not waive the fee.

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