vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: NJ

Complaint narrative:
My personal information was used without my consent in order to open credit and put inquiries on my credit report which is hurting my credit. 

Transunion ; 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 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 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Commonwealth Financial Systems, Inc.
State: PA

Complaint narrative:
I have not checked my credit in over 6 months and when I get back on look at it, I see a {$1500.00} accountant is now in collections. It looks like some type of medical bill but I havent been to any hospitals in the year 2022. This has to be some type of identity theft so I disputed it on XXXX and it came back Verified and Updated nothing really changed except it changed some dates on missed payments. 

This is very heartbreaking because I have a maintained a flawless payment history with anything that I utilized my credit with and now I cant get a loan to buy the house I have always wanted for my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Received email in regards my accounts being compromised therefore closing my accounts without first verifying transactions involving me and seperating compromised transactions.

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 2023-04-30 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: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-04-30 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging USDA XXXX XXXX XXXX {$21000.00} ; XXXX XXXX XXXX {$25000.00} ; XXXX XXXXXXXX {$2000.00}.

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 2023-04-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 2023-04-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently obtained my personal credit report from your organization and discovered that an unauthorized inquiry has been made. I then mailed a letter to the credit bureaus requesting the information on my credit report be investigated and removed if found to be valid. None were removed and I was not sent back the how too 's of what was used to investigate my request.

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 2023-04-30 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The accounts were opened as part of a promotional offer with no interest and payments are evenly divided over the next four years. I was given my credit limits and that was that. There was no mention that while paying down my balance, my credit limit would be reduced. No information was provided to me about my credit score being checked. None of that information was included in any of the paperwork I received. In three months, synchrony bank decided to revise my statement and reduce my credit stating that I was taking too long to pay off my balance. I am paying as scheduled. Furthermore, the letter stated that they reviewed my credit file, which I did not authorize. This resulted in a drop in my credit score, as well as an increase in my Credit Card Utilization rate, as synchrony bank adjusted my account to appear as if I had maxed out my credit card, which was not the case. This is unacceptable and is negatively impacting my credit score. I request that both accounts be increased back to the original credit limit agreed upon with Rooms to Go and Ashley Furniture.

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 2023-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: GA

Complaint narrative:
I am not liable for this debt with XXXXXXXX XXXXXXXX and I do not have a contract with Columbia Debt Recovery. They did not provide me with the original application like I asked. Theyre reporting on my credit report with XXXX that I owe them {$300.00} and I have no idea who they are. I reached out to Columbia Debt Recovery with a police report, and FTC report. Originally their were two accounts from XXXXXXXX XXXX in which whoever applied, applied twice. Columbia Debt Recovery stated we put two accounts on your credit report because two different door numbers were applied for, so they removed one and kept the other which makes no sense at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was given a bill that was due by XX/XX/XXXX with an amount. I paid off that amount on XX/XX/XXXX. Now I was charged {$76.00} interest. Im not understanding if I have a payoff amount why that isnt the full amount I understand if I didnt pay off the amount they wouldve been able to charge interest but when they give me an amount due and I pay it off, there should be no interest charged. 

It seems to me. This is false advertising with a payoff amount due the purpose of a credit card they gain interest if you dont pay off the amount but if you do, it should be XXXX void. I am seeking reimbursement for the interest, they charged me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/23 around XXXXXXXX XXXX i deposited {$3500.00} at chase atm XXXX XXXX {$100.00} bills XXXX {$50.00} bills an XXXX {$20.00} bills XXXX bills all together making {$3500.00} i have yet to receive any updates on my dispute i have not received any temporary credit after the 4 days they said they would apply to my account i called them an they said that it would take them up to 35 days to resolve the issue an that i would have to wait till they resolve the issue before giving me my money back. I kelp calling asking if they could look at cameras they wouldnt tell me anything but sorry you have to wait till its resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: AL

Complaint narrative:
I am writing to dispute the late payments that have been reported on my credit report. I recently obtained a copy of my credit report and noticed that there are several late payments that are affecting my credit score. Upon reviewing my records, I have found that these late payments were due to circumstances beyond my control, and I would like to request that they be removed from my credit report. 

The late payments in question were caused by a temporary financial hardship that I experienced last year. During this time, I was a full-time student, and I relied on financial aid to cover my living expenses. Unfortunately, due to a delay in the processing of my financial aid, I was unable to make my payments on time. Although I have since graduated and have been making timely payments on my accounts, these late payments are still showing up on my credit report and negatively impacting my credit score. 

I have attached documentation to support my claim of being a full-time student in XX/XX/2019, which was the time period in question. This documentation should serve as proof that my inability to make payments on time was due to my student status and the delay in my financial aid processing, rather than my negligence or inability to pay.

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 2023-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
Synchrony ( Lowes card ) consistently takes an extended amount of time to apply payments. So much so that the Lowes automated system gives the option to refund a late fee without speaking to anyone. The result is I have to make a payment a full week before what my bank says will get the payment there by the due date ( a date which works for all my other bills ). It is a scam that gives them extra float. This month for example my payment was deducted from my bank account ( not sent on, cleared on ) on XX/XX/XXXX and is still not posted at synchrony on XX/XX/XXXX. The payment is due XXXX, thats how early I am paying. I have previously complained to synchrony and received a credit but that doesnt change the practice.

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 2023-04-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
XX/XX/XXXX : applied for a personal loan from this company to pay for medical expenses XX/XX/XXXX : email received stating loan documents were ready to e-sign XX/XX/XXXX : received another email from loan company stating my loan is complete, and to click on a link to download my loan documents ; it stated the link would only work for 7 days. I called the company because the link did not take me to a website that I could download my loan documents. As I recall, I never received my loan documents, and when I called the company about this, they told me the amount of my loan, and when the first payment would be due, and for how much. 
Although I dont have exact dates at the moment, I repeatedly called the loan company asking for docs, including a payment schedule showing interest and principal-never received them. 
XX/XX/XXXX : after going through the companys XXXX app, I noticed it said this is a Precomputed Loan I called the company again to ask what that meant, and I never got a straight answer. 
My first payment was due, and paid on XX/XX/XXXX in the amount of {$240.00}, All subsequent payments have been in the amount of {$190.00}. 
As of XX/XX/XXXX, I have paid in a total of {$2800.00}. The original loan amount was {$5000.00}, for which I was funded that less their fees at the time, which ended in a deposit to my account in the amount of {$4500.00}. I asked the company why I didnt get the full {$5000.00}, and they told me it was an origination fee. 
XX/XX/XXXX : the companys XXXX app states I still owe {$6500.00} on this loan. I am filing this complaint against this company for illegal loan disclosure practices, an illegal loan product ( Precomputed ), and an excessive APR, which is now at 35.99 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Description X 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  XXXX XXXX XXXX, Account name, XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXXXXXX XXXX XXXXXXXX, Account Name # 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 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.

Chapters

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
I have a credit card with JetBlue Airlines. Barclays is the issuer of the JetBlue credit card. My entire credit card balance constitutes of 2 different types of zero ARP promotions. I do not have any balance that is currently under APR. One part of the promotional balance expires in XXXX and the other promotional balance expires in XXXX. Knowing that I had a balance coming due to expire soon, I sent a payment to pay off that portion of the balance. After looking at my recent statement, I noticed that Barclays allocated part of my last payment towards the promotional balance that was due in XXXX and left an unpaid portion of the promotional balance that was due in XXXX. I have called Barclays to ask them to please use my entire payment to pay off the promotional balance that is due in XXXX, but my request was denied. I called Barclays 2 times and the second time I also spoke to a supervisor. The 2 times I called Barclays I was told that the way the allocate payments is it first goes to purchases, then to balance transfers and then checks. I told them that I was not aware of this, and this was never explained to me. If I would have known this prior to using their promotional balances, I would have had planned better how to pay the entire balance off. I asked where this information is disclosed on their website and both representatives including the supervisor told me that their website does not disclose this information. As a consumer, I feel that this practice is unfair. Barclays emails me lots of promotions encouraging me to use my JetBlue card, but they do not inform me of how my payments are allocate when there is no APR being charged. Barclays should make this information very clear to their consumers so that they can make better decisions before using their credit card.

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 2023-04-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Transactions were constantly blocked by Wells Fargo stating it was fraud prevention but they would allow random companies to withdraw funds from my account without my knowledge or authorization

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 2023-04-30 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: TX

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC 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 response to consumer: Closed with explanation