vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-09 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX {$83.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX {$3700.00} XX/XX/XXXXXXXX XXXX XXXX {$260.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting multiple inconsistent information between each credit bureau I dont see how when the bureaus get their information from the same creditor. 
It is the responsibility of the consumer reporting agencies to report accurate information on a consumers report. 

This account is verifying different active dates, payment dates and late payment dates. One bureau is reporting this account as 180 days late and the other 120 days late. If the credit bureaus all get their information from the same place, how are they all getting different information and able to verify these inaccuracies? 

It is clear that no proper investigation was conducted into this account and this account is illegally reporting. I am requesting that this account is deleted from my reports now!

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.

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 2023-03-09 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: FL

Complaint narrative:
As dated, XX/XX/2023, I'm aware of Experian XXXX XXXX XXXX XXXX failure of the requirements of the Fair Credit Credit Reporting Act. See attachments. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

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 2023-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I had a fraudulent transaction on my capital one credit card for {$960.00} USD which happened on XX/XX/2022. This happened while I was on vacation in XXXX and I don't know how my chip was used for this transaction. 

It went back and forth with capital one on opening up dispute and them closing out the dispute. I tried disputing with capital one several times from XXXX but they were just eager to close the complaint. They were able to get the transaction receipt document to me and I did not recognize the {$18000.00} XXXX {$960.00} USD. 

Along with the transaction receipt, Capital one had also asked me to write a statement stating that I did not receive the goods and services and I did that exactly. Along with my statement, I had also sent out my current and previous Drivers License pictures so that they could verify my signature and see that it was a fraudulent transaction with a fraudulent signature. 

I had also looked up the merchant online and there was not even a phone number associated with the merchant. The merchant seems to be a fraud/ scam as there is no information about the merchant on the internet or a phone number. I am being repeatedly told that capital one can not do anything since chip was used and that I need to contact the merchant directly to resolve the issue. 

I have attached the latest communication from Capital one in XXXX and XXXX. There was also communication prior to the one 's attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
I received correspondence in the mail from Milestone credit card from Genisis FS Card Services. They offered what I belived were favorable terms for someone trying to rebuild thier credit history. The annual fee was only supposed to be {$39.00} with the option of getting a credit limit increase after 6 months of on time minimum payments. However after nearly a year of ontime payments and no late or missed payments to them they began charging me an annual fee of {$49.00}. I called about the discrepency and was told there was nothing they could do. I also inquired about the credit limit increase I was due, only to be told that customers would have to pay at least {$100.00} a month to even be considered for a limit increase. This was not dislosed when I signed up for this card. I would not have signed up if these were the terms. This seems to be a classic bait and switch scenario and maybe I can help someone else before they fall for this scheme. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
1. Synchrony Bank is illegally trying to make 2 MC credit cards into general-purpose credit card store cards like Lowes or XXXX XXXX XXXX 
2. Today 's date, XX/XX/2023. I checked my available credit on my Sam 's Club MasterCard. I sent in a payment of {$700.00}, but I only had the available credit of XXXX available on the card when I looked up it online, the XXXX Dollar payment has got there. The available credit was wrong and the available cash was wrong also I called the XXXX number of Synchrony Bank ( Sam Club ) and then they just released the hold with no reason at all. Then my available credit jumped up to {$800.00}. But the available cash stayed the same and I was not given a good reason why there was a hold on my available credit I also paid a bill, and a Synchrony Bank credit card ( Walgreens ) while online the web page asked me to use another checking account to make a payment. both these cards Sam and Walgreens which are under Synchrony Bank are trying to tell me how, when, and when to spend my money. And when I speak to them on the phone, Im not going to pretend to be happy about it.

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 2023-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: AR

Complaint narrative:
XXXX i was contacted bu US bank about deposits from Insurance funds that was for the purchase a vehicle, i have been harassed by employees at 2 separate locations about account information as well as had service denied to me due to the color of my skin, i have been forced to fill out internal documents that I had no idea what was the origin of, and several other discriminative incidents that are offensive and unnecessary, this bank has broken several civil rights laws and im going to get representation i have been humiliated publicly in front of other customers and they are going to pay for these malicious acts.

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 2023-03-09 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: OK

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.

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 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/XXXX at XXXX, Spoke with XXXX he stated I was 3 months behind. I previously applied for a 3 month deferment back in XXXX of XXXX. I was then told I was assessed fees and my deferrment was approved back in XXXX of XXXX. I waited to be called back by a supervisor named XXXX. On XX/XX/XXXX I spoke with XXXX who advised my late fee of XXXX, then XXXX, then XXXX is what caused the late payment credit report. I asked why did no one call me, or send something in the mail if there was a past due balance? XXXX stated his company is not obligated to call anyone and if they do it is as a courtesy and I should read my contract. I asked why is there an account solutions department that extends this courtesy to other customers but not me when I expressed I was experiencing a financial hardship? XXXX again referred me to my contract. 

I am disputing the credit report for {$29.00} based on that XXXX never advised me of a past due balance, although they do for other consumers with past due balance, this is not Fair Treatment.

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 2023-03-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX is reporting a charged off account on my reports that I have been disputing for a while. 

This account is reporting multiple inconsistent information between each credit bureau I dont see how when the bureaus get their information from the same creditor. 
It is the responsibility of the consumer reporting agencies to report accurate information on a consumers report. 

This account is verifying different active dates, payment dates and late payment dates. One bureau is reporting this account as 180 days late and the other 120 days late. If the credit bureaus all get their information from the same place, how are they all getting different information and able to verify these inaccuracies? 

It is clear that no proper investigation was conducted into this account and this account is illegally reporting. I am requesting that this account is deleted from my reports now!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting the following accounts XXXX XXXX XXXX account XXXX XXXX XXXX XXXX  account XXXX XXXX XXXX  account XXXX XXXX XXXX account XXXX XXXX  XXXX account XXXX XXXX XXXX  account XXXX XXXX XXXX  account XXXX IXXXX XXXX XXXX account 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. These accounts do not belong to me. They should not be on my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: PA

Complaint narrative:
In accordance with the ) Fair Credit Reporting act. The list of accounts below has violated my federal protected consumer rights and privacy and confidentiality, under 15USC 1681. 
Account name : XXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX 15 U. S. C 1681 SECTION 602 A. States I have a right to privacy.

15 U. S. C 1681 SECTION 602 A. Section2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U. S. C 1681c. ( a ) ( 5 ) SECTION 6 A Section 2 : It also states a consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C 1681s- ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows of had reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX a fraud charge by a XXXX XXXX in the amount of {$49.00} was charged to my Citicard ending in XXXX which has a XXXX balance. I was not aware of this charge until XX/XX/XXXX when Citicard called me advised me that my account is more than 60 days late. I then began a fraud dispute case ID-D-XXXX. I called Citicard in XX/XX/XXXX to find out the status of this dispute and they said that the matter has been resolved and the account balance is now XXXX. They however said that a letter confirming this will be sent out which I never received. I then looked at my XXXX report in XXXX of XXXX and was surprised to see that they had reported the account 30 days late in XXXX but OK in XXXX. I called them and was on the phone with 6 different departments and the matter still remains unresolved. I told them since this was a fraud, it should not be reported as late. When I spoke to XXXX they said that Citicard has to remove this from their billing record for it to not show up on 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 2023-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied the IKEA projekt card on XX/XX/XXXX and got approval for 0 % apr in 6 months. However, IKEA started to charge my interest started from XX/XX/XXXX till XX/XX/XXXX. I called in on XX/XX/XXXX to IKEA and asked them why. They said the promotion was ended in XX/XX/XXXX. But still they need to charge me interest from XXXX because other purchases. And they could not give me a definition of other purchases. All the purchases I made was happened in IKEA. And they charged me {$81.00} start from XX/XX/XXXX to XX/XX/XXXX within my promotional period. Its nonsense and XXXX is the supervisor who helped me who agree is non sense but she can not make the refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXX XXXX  XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  on XXXX XXXX XXXX  on XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX.I also have a fraud account on my credit report XXXX XXXX I account number XXXX this is not my account please delete immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09 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: TX

Complaint narrative:
I was looking over my credit report and saw I had some inquiries that wasnt mine. I didnt give these company permission to run my credit XXXX XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXXXXXX XXXX on XXXX XXXX XXXX  on XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXXI also have a fraud account on my credit report XXXX XXXX I account number XXXX this is not my account please delete immediately

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