vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-16 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 — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: PA

Complaint narrative:
I reached out to chime to file a dispute in reference to someone stealing all of my identity. I reached out to the police and Chime on XX/XX/2023 offered police incident report and 45 min later chime said they have concluded their investigation and that no error occurred. I dont have money to give away or throw away. I also emailed them and said I would like another investigation ( rebuttal ) and contacted the XXXX. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: NM

Complaint narrative:
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 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : Account Name : Bridgecrest Formerly Dri Account Number : 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: FL

Complaint narrative:
I HAVE BEEN BATTLING THIS ISSUE SINCE XX/XX/2023 WITH A FRAUD CREDIT CARD REPORTING AND ALSO A COLLECTON ON MY ACCOUNT THAT WAS RECENTLY ADDED. FOR THE CREDIT CARD I ALREADY SENT IT ALL DOCS PROVING THAT I AM A VICTIM OF IDENTITY FRAUD AND THE ACCOUNTS I AM DISPUTING DO NOT PERSONALLHY BELONG TO ME. BY LAW YOU ARE BREAKING THE LAW AND TRYING MY RIGHTS AS A CONSUMER. PER 15 USC 1681 IT IS ILLEGAL TO FURNISH ANY INFORMATION ON A CONSUMERS REPORT WITHOUT THEIR PERMISSION. AND REPORTING FALSE INFORMATION AT THAT. I DID NOT AUTHORIZE NONE OF THE BUREAUS TO FURNISH THIS INACCURATE UNORMATION. THIS INFORMATION MUST BE DELETED BY LAW OR I WILL HAVE TO TAKE LEGAL ACTION SOON. I HAVE ALREADY REACHED OUT TO MY STATES ATTORNEY GENERAL AND ALSO THE 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 2023-07-16 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: FL

Complaint narrative:
I HAVE BEEN BATTLING THIS ISSUE SINCE XX/XX/2023 WITH A FRAUD CREDIT CARD REPORTING AND ALSO A COLLECTON ON MY ACCOUNT THAT WAS RECENTLY ADDED. FOR THE CREDIT CARD I ALREADY SENT IT ALL DOCS PROVING THAT I AM A VICTIM OF IDENTITY FRAUD AND THE ACCOUNTS I AM DISPUTING DO NOT PERSONALLHY BELONG TO ME. BY LAW YOU ARE BREAKING THE LAW AND TRYING MY RIGHTS AS A CONSUMER. PER 15 USC 1681 IT IS ILLEGAL TO FURNISH ANY INFORMATION ON A CONSUMERS REPORT WITHOUT THEIR PERMISSION. AND REPORTING FALSE INFORMATION AT THAT. I DID NOT AUTHORIZE NONE OF THE BUREAUS TO FURNISH THIS INACCURATE UNORMATION. THIS INFORMATION MUST BE DELETED BY LAW OR I WILL HAVE TO TAKE LEGAL ACTION SOON. I HAVE ALREADY REACHED OUT TO MY STATES ATTORNEY GENERAL AND ALSO THE 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 2023-07-16 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: CA

Complaint narrative:
I called one financial asking why the balance of my loan not getting lower after making payments. I made 12 payments and so I called ( Onemain Financial XXXX XXXX XXXX location ) bout it onXX/XX/2023 the lady on the phone says it must be a glitch that I am half way paid off. 

I called again on XX/XX/ asking Onemain Financial bout my balance and why did my loan balance go up. The lady on the phone says she'll looked into it and call me back in a few days that I never received any call since then. I called left several messages nothing. 

I called from a different line a lady answered and when I gave her my information the line got disconnected. I called and called left message and never got a hold of anyone after that. 

I went to the branch and the sign says closed. The lights are off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: GA

Complaint narrative:
In accordance with the fair credit reporting act these creditors have violated my rights. Under 15USC1681, SECTION 602 STATES I have the right to privacy. 15USC1681 SECTION 604A SECTION 2, it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as LATE for any purpose. 

XXXX XXXX has been harassing me, I tried several times to amend with the company. 

Please remove from my account. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
This complaint involves both a United Airklines Chase Credit card and the MonthsOfMiles promotion the the Unied Airlines XXXX XXXX XXXX. My compaint is best summarized in an email I sent on XX/XX/2923 which is excerpted below. Because of the possibly deliberately misleading language of the promotion and lack of clear terms and conditions I've wasted considerable time and money by directing the majority of my purchases to this credit card and now find that some of the purchases may not qualify. 

I've made repeated requests to United to ask why the misleading language was used and to date have not received an answer. The following is my inquirey to United/Chase XXXX Subject : UNITED AIRLINES XXXX XXXX DELIBERATELY MISLEADING? 

Date : XX/XX/2023 XXXX XXXX  XXXX To : United XXXX XXXX XXXX The recent promotion of MonthsOfMiles states that for each month of XXXX, XXXX and XXXX " Just make at least 5 purchases while spending {$150.00} or more '' on your Chase United Credit Card to qualify for bonus miles. 

That language implies or even allows that those 5 purchases need only sum up to {$150.00} or more. Confusing? Yes. If there was no deliberate intent to confuse why wasn't the promotion written clearly as follows : " Just make at least 5 purchases while spending {$150.00} or more on each purchase '' Please, explain why the ambiguous wording was chosen. The attached file shows that even the XXXX XXXX help line was confused by the wording. I wonder how many consumers will discover after the fact that their 5 purchases don't qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
All three of my XXXX XXXX XXXX accounts are older than XXXX XXXX XXXX from the date of the negative item. I have disputed this with all three credit bureaus but they have not deleted the closed account. The XXXX accounts need to be deleted asap because they have aged out.

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 2023-07-16 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: Kriya Capital, LLC
State: NV

Complaint narrative:
I settled two accounts that were in collections, paid in full and neither account has been removed from my credit report. 

On XX/XX/2023 I paid {$120.00} to Credence to pay the remaining balance on the account in full. the account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report. 

I also settled to pay XXXX XXXX XXXX {$200.00}, that I paid in full. The account status has not been changed or updated to reflect the agreement we made upon payment to remove the account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: First Federal Credit Control, Inc.
State: CO

Complaint narrative:
in XX/XX/2023 I went a concert I parking my car in a spot available, I saw a XXXX XXXX for pay XXXX dollars for the parking, but the online service dose n't work I waiting for 45 minutes and nothing happen I was late for the concert I pay a good amount of money. After this I receive a collection note for XXXX dollars and threats. I want to pay the parking spot, but I coulde n't. For me is a form a theft because their system dose n't work I have to pay extra money for a parking spot.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FC HoldCo LLC
State: AL

Complaint narrative:
Previously, I have asked the credit bureau to investigate the accounts listed below for accuracy. I received an updated reporting stating accounts were verified and are accurate. I ran a recent report and have attached detailed information arguing that an investigation has not been done. I sent these letters certified XXXX, and XX/XX/23. XX/XX/23 Certified Mail Tracking XXXX XX/XX/23 Certified Mail Tracking number : XXXX XX/XX/23 Certified Mail Tracking XXXX In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : Flagship Credit Acce Account Number : XXXX has violated my rights. XXXX5 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: FL

Complaint narrative:
Someone has applied for a mortgage loan that was not me ( XXXX XXXX XXXX XXXX. Using my personal documents XXXX. identity theft on my consumer report. Please remove all accounts off my consumer report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: PA

Complaint narrative:
The Discover card was opened in XXXX. 
Around XXXX of XXXX, I took a cash advance of {$100.00}. 
When I made this transaction, I thought a cash advance was considered a transaction like a purchase. 
While making payments on the credit card balance, I thought the cash advance was being paid with my monthly payments. I didn't realize there is a separate interest charge for cash advances. 
Over the course of 17 years, none of my payments have gone to pay this cash advance. Apparently, none of the monthly payments made are applied to the advance, until the balance of the purchases is paid in full. 
This {$100.00} cash advance now shows as a balance of {$8100.00}. All interest charges for the {$100.00}. 
This account is enrolled in auto withdraw from my bank, and I rarely use the card. 
When I was declined to make a purchase recently, it caused me to go back and look at my statements. 
This is where I saw the outstanding balance for the Cash Advance, that I am now over my limit, and my payments are continuing to increase monthly due to the interest. 
Being over the limit is now being reported to my credit report and my score is being affected. 
Initially I thought I was a victim of fraud. 
I reached out to Discover to discuss this issue. This is when I realized that I was not a victim of fraud but was a victim of predatory lending. The {$8000.00} was a result of the {$100.00} cash advance. 
I was told their records only go back 7 years. The best they said they could do was credit me back 3 months of interest paid on the advances and offered to put me in a payment plan. 
I do not abuse my credit cards ; I only have a {$910.00} purchase balance on the card. 
My payments are always made on time. 
If you look at the last payment made of {$220.00}, {$200.00} went to the cash advance interest, only {$13.00} went towards the interest for the purchases. At this rate, the advance will never be paid off. 
Each month my minimum payment continues to increase. 
If they can not document the XXXX cash advance made, how can they continue to charge interest on it?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 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: WA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX  XXXX XXXX  account # XXXX has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts in question are reporting inaccurate information on my reports : XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

These accounts in question are reporting inaccurate information on my reports : 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 15 USC 1681 section 602 A. States : I have the right to privacy.

15 USC 1681 section 6O4 A. Section 2, it also states : The consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 C A5 section states : No consumer reporting agency may take any consumer report containing any of the following items of information any other adverse item of information other than records of conviction of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person should not furnish any information relating to the consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an alert on XX/XX/23 on my American Express Credit Guide stating a new tradeline had been opened that I did not authorize. I have raised a dispute with XXXX and am hoping to get my account expunged of the unknown account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX collection account should be deleted from all three of my credit reports. The company has requested deletion from all 3 credit reports yet it is still on my reports. I expect that this collection account account be deleted from all 3 credit reports as asp.

Company response to consumer: Closed with non-monetary relief