vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
Discover 's Covid Relief Hardship Plan I was formally under from XXXX XXXX through end of XXXX. The plan specifically allowed for a reduced APR of approx. 9 % for a period of 12 months and allowed for payments to be maid after the payment date specifically while on this program therefore not resulting in late fees- only a rolled over balance and increased interest in paid after the XXXX or XXXX of each month. The program allowed for the most minimal amount to be paid monthly and also allowing for no late fees to be applied if the payment was posted after the due date. I learned and applied to this plan in XXXX XXXX and completing each of the 12 payments required for those 12 months even if delayed they were paid within the parameters Discovers Covid Relief Hardship plan set. This program supported clients who were effected by layoffs or changes in employment during and post Covid. I called Discover approx. each month ( these should be recorded on the Discovers line ) to provide updates- if I did expect delays. The program ended the following XXXX XXXX however the adjusted payment required reset at the standard APR of about 24 % in XX/XX/XXXX. Since then, I have paid over the mim. required and will continue to do so as planned based on my budget to pay off by XXXX. The 9 late payments on the credit report is not an accurate reflection when on this specific program and stated benefits/ support/ grace periods provided by Discover under the Covid Relief Hardship Plan. I am disputing that the 9 late payments be removed since I was actively in this program and completed all 12 payments in full by the end of the program and currently in " good standing '' now. 

Note : XXXX XXXX, XXXX Program start XX/XX/XXXX Program end I did call Discover to let them know I would take these steps as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please see the attached XXXX data breach claim and FTC report and remove the following unauthorized accounts and inquiries. Account : XXXX XXXX. Transunion please be aware that you are the only credit reporting agency reporting this unauthorized account. Please remove the following unauthorized inquiries : 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
Consumer complaint received 2024-02-04 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: CA

Complaint narrative:
I created a document XXXX  for this box. Please see the attached letter with the information, references, and actions taken by me and the associated codes and laws that support my complaint. 
Thank you kindly. 

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
Consumer complaint received 2024-02-05 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX  - {$1000.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy.

15 USC 1681n discusses willful non compliance and liability.

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 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
On XX/XX/23 I paid the settlement agreement with creditor. However they entered wrong payment amount when taking payment over phone and short paid it by XXXX dollars which caused them to miss report for almost 10 months. After countless calls and hours of rude service and lies told to me of being unable to help me I finally got taking care off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital 1 website keeps hit a snag and never allows me to file dispute. 
XXXX XXXX  is utilized for XXXX XXXXXXXX and they refuse to help telling me to call in. 

C1 is not allowing email or electronic communication and discriminatory against services that are openly available, because they choose not to in direct violation of federal laws.

They used to offer secure messaging and discontinued it. Certain departments are only accessible by phone and no other method which is discriminatory to XXXX XXXXXXXX. 

Email communication only as an XXXX request!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: IL

Complaint narrative:
I've noticed around XXXX XXXX that my XXXX credit report was reporting duplicate charges of my student loans. For example, each subsidized & unsubsidized loan I've received was on their website twice. So, for example, me owing XXXX it shows XXXX. I went on the student aid website along with my direct loaners ' website. The information is inaccurate. I should be around XXXX with my student loans. I'm not sure if this is some type of glitch with XXXX as I just had to place a credit freeze with all 3 bureaus due to fraud concerns around end of XX/XX/XXXX. On XXXX XXXX XXXX it shows the amount that corresponds with my loaner 's website & the other credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
15 U.S. code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINTS TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
The first credit report that I sent to the XXXX XXXXXXXX XXXX  they could not understand it and asked me to rewrite the report and pay for a copy of my credit report to be sent to me.It 's a shame that one has to go through this mess to get ones credit report corrected rhey act like they don't want to do their job. The companies that I listed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. If they can't verify them than remove them.

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 2024-02-05 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy.

15 USC 1681n discusses willful non compliance and liability.

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 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following trade lines reflect transaction history which is illegal, per 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; XXXX XXXX XXXX - {$1000.00} XXXX XXXX XXXX - {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$760.00} 15 USC 1681 states that Congress made findings that credit reporting agencies : exercise their grave responsibilities with fairness, impartiality and a respect for the consumers rights to privacy.

15 USC 1681n discusses willful non compliance and liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XXXX XXXX, 2023, I applied for an American Airlines Advantage credit card on-line through Citibank, XXXXXXXX XXXX XXXXXXXX. While I really didn't need a XXXX charge card, I applied only to protect my frequent flier miles totaling XXXX. XXXX sent me an email on XXXX XXXX, with options to protect my miles from expiring on XXXX XXXX, a credit card being the best alternative. Within minutes of submitting the app, I received a computer generated response of " We're unable to approve your application because we couldn't verify some of the information on your application ''. A like denial letter, dated XXXX, was received by mail on XXXX XXXX. Besides personal information such as d.o.b., the only 2 credit related questions were annual income and rent or mortgage payment which I answered, nothing else. The only way to answer them was to write them at CitibankXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
On the back of the denial letter, I wrote that if there was more required info needed that I missed, their system shouldn't have allowed submission. I requested that they tell me what they were unable to verify - be specific. Further I stated while they may not have violated ECOA, they have an obligation to assist applicants in obtaining credit. 

On XXXX XXXX, I wrote AA voicing my displeasure after I received another email solicitation from them to apply for a credit card which noted I had XXXX flier miles. To date neither has responded.

Since then I have looked closer at the ECOA rules. A couple of violations that stand out are " you're refused for a loan even though you meet all the requirements '' and " Indefinite or vague reasons a
re illegal to refuse you credit if you qualify for it ''. Simply put, to refuse ( or grant ) credit based on incomplete information without attempting to obtain it, is a poor way of doing business. I have had perfect credit for over 55 years and have no debt except a small charge card I pay in full each month. My home is paid for and I have considerable assets. After applying I was offered a free identity monitoring service from my bank due to a breach. I learned that my XXXX XXXX XXXX was XXXX after enrollment.

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 2024-02-04 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I placed an order for a Sony camera  that cost {$4100.00} I was told it would ship on XX/XX/XXXX On XX/XX/XXXX i messaged Dell asking them to confirm shipping date because i was going to be out of town and wanted to make sure it was still expected to ship on XX/XX/XXXX. The dell customer service team confirmed that. 

On XXXX XXXX XXXX I received and email telling me that the package shipped. I was out of town at this time but figured given the value of the item it would never be just dropped without a signature or handing it to a person at the residence. 

On XX/XX/XXXX I received an email saying the package had been delivered, yet I had no ring on my door bell showing someone tried to deliver a package. I then looked at my ring camera and seen no package in the view of the camera. 

So late XX/XX/XXXX I then emailed Dell asking them for some information and telling them that the package shipped way early and why it wouldnt require a signature. 

Dell confirmed it shipped and that it didnt require a signature for delivery and its XXXX  ( the shippers ) choice if they require a signature or not. 

I returned home the following day to see I had no package from XXXX or Dell. I then emailed Dell and XXXX about this and they both blamed the other for why it would ship early and without a signature for a XXXX XXXX item. 

I then made contact with my credit card provider asking them what protections I have and they gave me a very generic response and told me to get with Dell about it and there is nothing they can do. 

Basically I purchased a {$4100.00} camera from Dell.com using my Dell issued credit card. The item shipped XXXX  XXXX  early and was shipped without signature confirmation. I never received the item and have been told its my fault and to pay the {$4100.00} for an item I never received. 

To make matters worse I had to purchase the same camera from another company. Spent XXXX XXXX  on it and that other company shipped with signature required. The other company shipped it with signature and told me that ALL items over {$500.00} should have a signature required due to the fair credit billing act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 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: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
I dispute the debt on my account being pursued by your agency. Please provide details on the debt, including the amount, original creditor, and fees. Confirm your licensing to collect in Florida, as required by the Fair Debt Collection Practices Act ( FDCPA ). Additionally, produce the Forward Flow Agreement associated with my account. Cease collection activities until the requested information is provided within 30 days. 

I previously submitted a complaint to CFPB ( complaint # XXXX ) and was advised Company responded you may have been a victim of fraud. No actions have been taken from furnisher.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I have a Fraudulent XXXX XXXX bank Credit Card on my Credit report that I didn't open. I also have unauthorized credit inquires that are listed on my credit report that are all listed and dated in the attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 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: SG and Associates
State: GA

Complaint narrative:
1 ) This company XXXX XXXX Balance {$3800.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ). This account that I have no knowledge of led to severe stagnancy in my business ventures. 

2 ) This company XXXX POTENTIALLY NEGATIVE Balance {$2500.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ) . This account that I have no knowledge of led to severe stagnancy in my business ventures. 

This company XXXX POTENTIALLY NEGATIVE Balance {$3400.00} Balance updated XX/XX/2024 has reported invalidated information to the 3 major credit bureaus ( XXXX, XXXX, and XXXX ) . This account that I have no knowledge of led to severe stagnancy in my business ventures.

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 2024-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: FL

Complaint narrative:
XX/XX/2023 Chime decided to close my Account with no explanation.The account is in good standing but they are still reporting the account as open in good standing with XXXX.I put in 10 disputes with XXXX about the account closed & Chime refusing to send me the Documents they need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and XXXX XXXX XXXX the acct was open XX/XX/scrub>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 non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and my family date the acct was open XX/XX/scrub>XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently viewed my credit report and noticed that it was an account that's closed on my report please remove it immediately because it stopping me from buying a home for me and my family date the acct was open XX/XX/2021 amount {$11000.00}

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 explanation