vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights.

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB. 

Both Credit reports have been uploaded showing inaccurate information. Also a Third party collection agency copy has been uploaded. My private and personal information have been violated by XXXX according to FCRA 15 USC 1681.

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 2024-04-28 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: FL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights. 

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number Associated with CFPB. 

Both Credit reports have been uploaded showing inaccurate information. Also a Third party collection agency copy has been uploaded. My private and personal information have been violated by XXXX according to FCRA 15 USC 1681.

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 2024-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to submit a formal complaint against my credit card company for incorrectly handling a dispute regarding hotel charges. Below is a summary of the events leading to the dispute and the issue with the credit card companys response : XXXX. Initial Hotel Booking Issue : I was incorrectly charged for an additional night by a hotel. Despite my attempts to resolve the issue directly with the hotel, they refused to refund the extra charge. 
XXXX. Dispute Filed : On XX/XX/XXXX, I filed a dispute with my credit card company regarding the additional nights charge, which was made without my consent. 
XXXX. Dispute Denied : The credit card company denied my dispute within hours of making the dispute, citing a cancellation policy and stating there was no record of me canceling. This is confusing and irrelevant to my claim, as my dispute concerns being charged for a night I did not authorize, not a cancellation. 
XXXX. Lack of Proper Investigation : The denial suggests that the credit card company did not adequately investigate the circumstances surrounding the hotels incorrect charge. There was no need for a cancellation, as my issue was with being incorrectly charged for an extra night I did not book. 

This incorrect handling of my dispute has not only left me unfairly out of pocket but also questions the efficacy of the dispute resolution process provided by my credit card company. I seek the CFPBs assistance to investigate this matter and to ensure that a fair and just resolution is reached. 

Thank you for your attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: 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 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 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report, it has been well over 30 days and I have not received any investigation results.

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 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance to the Fair Credit Reporting Act XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and 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 non-monetary relief
Consumer complaint received 2024-04-28 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:
In accordance to the Fair Credit Reporting Act XXXX bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-28 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:
In accordance to the Fair Credit Reporting Act Fifth third bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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:
In accordance to the Fair Credit Reporting Act Fifth third bank has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and 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 2024-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding the debt collection attempts being made by CAINE & WEINER XXXX is distressing to me that my consumer rights are being violated by the actions of this collection agency. THIS COMPANY IS ALSO NOT REGISTERED OR LICENSED IN MY STATE OF Florida. 

As a result of the false information being reported by CAINE & WEINER XXXX, I have faced significant challenges in finding housing, obtaining a loan, and securing a credit card. These are essential services that have been denied to me due to the inaccurate information being reported on my credit report. 

I am reaching out to the CFPB in hopes of finding a resolution to this issue. I request that CAINE & WEINER COLL ceases all attempts to collect this debt and takes immediate steps to correct the inaccurate information on my credit report. My ability to access necessary services is being hindered by their actions, and I urge the CFPB to intervene on my behalf. 

I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I owed {$160.00} for purchases I recently made. I called and paid the balance of {$160.00} in full with the representative who said her name XXXX. I used my XXXX card, paid and received confirmation from XXXX the amount paid. A week later I received notification my payment was due? I called and spoke was a XXXX, she said I owed {$160.00}. I gave her my confirmation number that it was paid in full. After she kept saying it was owed, I asked for the last 4 digits of my card used. She gave me XXXX??? My last number is not that on my XXXX  card, nor any of my cards. MY CONFIRMATION number given when I paid was XXXX. Then alleging I would always get a confirmation when a card declined???? Not true, when a decline happens a card will not go through and there will be no confirmation given, due to decline. She went back several months and said no this is the last 4 digits of the card you used and it declined. She then allege I had previously paid with the same card ending in XXXX. She then said she would send me a dispute form to complete. 
This week I received a letter where they were closing my paid off XXXX account for not using my card? 
I also received a letter reducing my XXXX account to {$200.00} and my credit score was XXXX. NOT TRUE. 
I have the letter they sent me and a recent document showing my account and a XXXXXXXX XXXX and my past credit line and my new credit line after my payoff. I owe nothing on either account and was never late. Please help me, these people are scamming its customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-28 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear LVNV Funding LLC, I am writing to request that my personal information not be shared with third-party non-affiliated companies, as permitted by 15 USC 6802 and 16 CFR 313.7 As A Federal Protected Consumer to Exercise My Consumer Rights. 

As a consumer, I value my privacy and wish to exercise my right to opt-out of the sharing of my personal information for marketing purposes with companies that are not affiliated with your institution. 

Please consider this letter as my formal request to opt-out of any such sharing of my personal information with third-party non-affiliated companies immediately and indefinitely. 

I understand that you are required to comply with this opt-out request promptly upon receipt, and I expect confirmation of this action in writing. 

Please be advised that this opt-out request is not to be construed as a revocation of any consent previously provided under other applicable laws or regulations. 

If you have any questions or require further information, please do not hesitate to contact me at the email address provided or phone number XXXX with CFPB. 

Both Credit reports have been uploaded showing inaccurate information. Also a Third party collection agency copy has been uploaded. My private and personal information have been violated by LVNV according to FCRA 15 USC 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance to the Fair Credit Reporting Act Moneylion has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and 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 non-monetary relief
Consumer complaint received 2024-04-28 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:
In accordance to the Fair Credit Reporting Act XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLIANT CREDIT UNION
State: PA

Complaint narrative:
XX/XX/2024, I went to an all-points ATM, which are within the ATM system designated for alliant, I asked to withdraw {$200.00} of the {$200.00} in the account, But was declined. I then asked for {$100.00}, was approved, I then tried to remove the last {$100.00} from the account, and was again declined. When I called the bank they said there was a fraud case open, but when speaking with the fraud department, that was confirmed inaccurate. So it would seem that my bank is refusing to allow me access to my funds, and has no explanation for why.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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:
In accordance to the Fair Credit Reporting Act XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and 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 2024-04-28 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I am having a complete nightmare with Chase. There are charges on replacement cards that I never authorized the card when recieved this us times 2 different replacement cards. A payment was applied to an old account that has not been used in years, so we had a three way conversation with my bank, Chase accounting and myself on XX/XX/2024. This issue was resolved per accounting dept on XX/XX/2024, followed up by a letter stating that the payment was applied to the correct account. Now they are charging a complete different account and saying that I owe this amt. What's happening is just to much to explaine. Customer service has been zero help. They transfer me to fraud and fraud transfers me back. They have ruined my credit. I've gone from excellent credit to good. It has mentally and physically affected me. This has so many more aspects to it and multiple cards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

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.

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 2024-04-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I messaged Express Credit Card Company via Comenity Bank about my late fee, XX/XX/XXXX. Comenity Bank/Express Credit Card Company messaged me on XX/XX/XXXX stating, that they cant waived the late fee for they already credited me last year in XX/XX/XXXX. What does the late fee credit of XXXX, have to do with them waiving the late fee for XXXX. I missed a payment in XX/XX/XXXX. Express Credit Card Company /Comenity Bank contacted me about making a payment. I informed Comenity Bank/Express Credit Card Representative , that I will send the payment at once. I have been a loyal, consistent account holder of Express Credit Card for several years to make payments on time and they rejected my request to waive a late fee in XX/XX/XXXX. They normally send me email notifications, that a payment is due on the particular date but no response on their end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-28 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:
In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights 15 USC 1681section 602 states that I have a right to privacy 15USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written Instructions 15 USC 1666b A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for and 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 2024-04-28 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 have disputed an inaccurate account on my consumer report that is has been reporting incorrectly for the past 6 years once I have gained insight on the subject of actually. digging deep and understanding credit as a whole, I disputed the account that was reporting inaccurate once I did the three credit reporting agencies bureaus still did not do a proper investigation into this matter as well updated the account once again inaccurate to showing as well showing recent activity on the account with again is not inaccurate this account on my report is over XXXX XXXX XXXX as well it shows past due dates which is inaccurate which is documented on one of my consumer reports that there are no past due payments so therefore all three bureaus must be reporting the same information across all three agencies otherwise it is inaccurate as well as illegal. This inaccurate reporting has halted me from being able to obtain new credit due to the fact the last date of activity in inaccurate which is showing to creditors this is a recent negative account which in fact it is not. I am asking the whole account be removed.., this reporting is detrimental to my livelihood due to showing new activity and past due balances times that are inaccurate. 

RE : XXXX DATE OF LAST ACTIVITY XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( INACCURATE REPORTING AS. WELL.. 

please delete this account ..... 
which have adversely have and now more than ever have been affected by your inaccurate reporting.

Company response to consumer: Closed with non-monetary relief