vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-22 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: CA

Complaint narrative:
I am writing to dispute and request the removal of inaccurate information from my credit report. I have attached a copy of my credit report, with the inaccuracies clearly highlighted. The disputed account in question is related to XXXX XXXX with an account number XXXX Under the Fair Credit Reporting Act ( FCRA ), it is mandated that credit reports be accurate and consistent. As of my review, the information reported by your agency is neither accurate nor consistent. The primary concern is the discrepancy in the " Last payment date '' for this account as reported by each of the three major credit bureaus : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Experian XXXX 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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have filled some disputes on my credit report XX/XX/2023. It has been over 45 days and I haven't received any response or update concerning 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 explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have filled some disputes on my credit report XX/XX/2023. It has been over 45 days and I haven't received any response or update concerning 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 explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MT

Complaint narrative:
I recently logged into EdFinancial to check my student loan payments and balance. When I looked at the total it was higher than I have ever seen it- noticing they did not have my previous 10+ payments applied to the balance. I called and spoke with them 3 times with no answers. Every time I try to call and talk to someone who can actually help or call me back I am faced with a XXXX wait time. They have a recording saying they will hold your place in line and call you back when it is your turn. I never once received a call back. I have emailed NUMEROUS times with XXXX responses, I have been on their digital chat which is only a robot and gets me nowhere. I took all of my previous payment confirmations from XXXX and mailed them to Edfinancial showing my proof pf payment. They were never applied, nor did I hear from anyone regarding anything. This is tremendously XXXX  producing. This has been going on for the last 2+ months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I recently looked at my full credit report and discovered accounts that I wasnt aware of and never opened. I would like those accounts removed.

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 2023-10-22 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: MO

Complaint narrative:
There are inaccurate names, addresses, and inquires not authorized by me. Please block and delete this inaccurate information. FCRA states that the information on my credit report is supposed to be 100 % maximumly accurate. 
Inaccurate information : 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 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

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 2023-10-22 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: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any purpose. 

The creditor is Ally Financial. 
Account number XXXX Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX, MN 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 2023-10-22 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: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that it is reporting my experience with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: ADP Inc.
State: CO

Complaint narrative:
On XX/XX/2023 I called Wisely to get my balance. The person i spoke to asked me if i had my card and i told them " no '' becuase i was in a community corrections facility and didn't have access to it. So then wisely told me they were canceling my card and i told them " not to '' but instead they locked the card and have been charging a dormant fee of {$4.00} several months since then. Still i need a new card now becuase of how wisely opperates. Wisely told me i need to fax documents of my SSN, State ID, and release letter from the facility i was in which i have provided on XX/XX/2023 and was told to fax to XXXX. Wisely instructed me to call back on XX/XX/2023 so that my documents could be verified. So i called back to wisely customer care on XX/XX/2023 and was told I'm not supposed to FAX anything that was a lie and it's all my fualt. Its a lie becuase when you tell somebody something you don't actually know as true as being true it's a LIE. Then I was told that i am supposed to upload my documents through a link using reference number XXXX then to call back in two more buiseness days and my needed documents are still not resolved. So far what's being communicated to me about Wisely 's process for handling card activation is false and not meeting my rights and expectations of being a creditor and customer because I have a right to my money on demand in full amount or any part there of. Wisely has sent a new card according to them on XX/XX/2023 but this process they can't seem to complete of verifying my documents is of concern. Being a customer of any bank there is the expectation that there will be compitent and profesional communication and procedures that are followed an upheld. So far I've been given careless bad information. I have been told that there would be a deadline as to when my information would be processed and my card would be activated and it still has not been! I still don't have my hard earned money! The level of clear disregard for customer service and degree of dishonesty is absolutely appalling! THIS IS A BANK LYING TO ME AND KEEPING MY MONEY FROM ME! I can not trust that Wisely will just do what they say they're gon na do. Or that anything I've been told is actually true. I Will not wait indefinetly for my money. Action needs to taken against this bank. I have submited every document they have asked for FAX and through wisely 's " box '' link and yet I can't say that's gon na be enough or that i will ever see my $ XXXX at this time. please help me thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I recently received a copy of my XXXX, XXXX, and Transunion consumer reports, and I noticed that it is reporting my transactions and experiences with this company.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently received a copy of my XXXX, Equifax, and XXXX consumer reports, and I noticed that it is reporting my transactions and experiences with this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-22 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: PA

Complaint narrative:
I recently received a copy of my Experian, XXXX, and XXXX consumer reports, and I noticed that it is reporting my transactions and experiences with this company.

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 2023-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Uprova Credit, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I was online looking for a short term loan to pay unexpected expenses. Due to the debt I have my bank wouldnt provide a loan this time until I can pay off credit cards. But I still had the unexpected expense, so I needed a loan to cover it. I XXXX affordable loans and I applied for several, but they said they couldnt lend in Georgia. Then I found Uprova would when applied. I only borrowed {$800.00} and they had the installment for 24 months paying back over {$3800.00}. 

I only borrowed {$800.00}. So I thought, Im just paying this off on XX/XX/XXXX so Im not carrying it that long. The next problem is, they arent taking payment monthly its every 2 weeks for {$170.00}. So I informed them I get paid monthly. The guy on the phone said hed do so alteration of dates to work it out. What that looked like : I was given {$800.00} loan in account on XX/XX/XXXX. My account was drafted {$170.00} on XX/XX/XXXX and XXXX on XX/XX/XXXX. Then they claim one or both of those payments were late. So on XX/XX/XXXX they attempted to do another draft to account for {$170.00}, but funds unavailable. Again saying Im late. Ive already paid {$340.00} for an {$800.00} loan and only {$60.00} went to principal. It states now my total balance owed is {$940.00}. 

This company is a tribal lender and I didnt know it was against the law in Georgia XXXX Further, they should have known they couldnt lend in Georgia as other companies informed me. I would like assistance in simply paying the {$940.00} due on XX/XX/XXXX and no further interaction with the theft from a loan company. I dont want to steal, just pay what I owe on XX/XX/XXXX as I planned, without the added fees or any expectation of me paying {$3800.00} and I only borrowed {$800.00}. 

Im a XXXX Veteran total and permanent and I was in a XXXX  I thought this was helpful, but I see its a payday loan type scheme. Is there some type of mediation that can assist me in simply paying the {$940.00} balance on XX/XX/XXXX as I planned and informed them when getting the loan. I will have the money. I just dont want the on going manipulation. Just pay and be done. 


Because in the end I would have paid by XX/XX/XXXX {$490.00} in interest plus {$800.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Total : XXXX on a {$800.00} loan.

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 2023-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-10-22 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: MI

Complaint narrative:
This Company has violated my rights as a Consumer by not complying with the law by consistent ignore my Right to Privacy in accordance with : 15 USC 6801 ( a ) The Company has ignored it's obligations pursuant to : 15 USC 6801 ( b ) 15 USC 1681 ( a ) I am requesting that this company remove and delete the following named accounts immediately and cease reporting any of my personal information without my consent. 
1. XXXX 2. XXXX XXXX XXXX XXXX ( 3 Accounts ) 3. XXXX XXXX ( 4 Accounts ) 4. XXXX XXXX 5. XXXX XXXX 6. XXXXXXXX XXXX XXXX  XXXX 7. XXXXXXXX XXXXXXXX XXXX 8. XXXX XXXX 9. XXXX XXXX 10. XXXX XXXXXXXX XXXX 11. XXXX XXXX 12. XXXX XXXX 13 . XXXX XXXX 14. 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 2023-10-22 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: MI

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 XXXXXXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX 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 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.

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 2023-10-22 00:00:00
Product: Credit 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: VA

Complaint narrative:
On XXXX  my card was used by a merchant for an authorized charge- they had my card details ( on file ) but were not authorized to make the charge for an order that the merchant claimed had been cancelled. I had noticed a pending order on my XXXX account that was at a higher price than was specified in a contract with them, and contacted the merchant to cancel the order. Their agent told me that he had successfully cancelled the order. However, I did not receive a cancellation email. I checked my CapitalOne account and found that they had indeed charged me card although I had been the order had been cancelled by the merchant. I contact the merchant ( XXXX ) but they told me that last agent I spoke with had lied about the cancellation and he had not placed a cancellation request. However, XXXX said " they could nothing '' since the item been shipped in the intervening period when the cancellation was supposed to have been cancelled and my CapitalOne Venture card had been charged. Its such a betrayal, to have to deal with a company that lies to its customers. I reported the unauthorized charge to Capital One, concerned that the merchant had access to my credit card number and was using it for purchases I didn't authorize, but the CapitalOne agent didn't offer to place a hold on the card or to stop the card from being used by the merchant. He wanted to wait a few days " to see what would happen ''. I'm pretty much left to deal with this on my own. Capital One charges a great deal of interest on its cards, and for it not offer any fraud protection is ridiculous. Rather than ask to speak to the Capital One agent 's manager, which is what I may have done, I wanted to hold this agent responsible for his decision. I asked if he knew which govt agency regulated the credit card business of Capital One because I wanted to file a complaint, but he said " uhhhhhh '' and then ignored the question. I asked if he could ask someone if he didn't know and again, he said " uhhhh '' and then ignored the question. So hopefully the CFPB can help with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I recently received a copy of my ( XXXX, XXXX, and XXXX ) consumer report, and I noticed that Capital One is reporting an auto loan as a charge off on my consumer reports. The IRS clearly defines a charge-off as gross or ordinary income, income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. The IRS clearly states a canceled debt or charge is income. The reporting of this account as a debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TN

Complaint narrative:
There was charges done on my account through XXXX when my card was stolen and I told them who it was and blocked all XXXX rides from here on out. When these transactions accused I was in class at XXXX and didn't even have a phone note did I ever leave because we're not allowed to and they accused dearing when I was in class. I gave them his name and my directors name because he had to move him out of my room because he was stealing. He has also been stealing from XXXX and saleing things on marketplace. He's name is XXXX XXXX and I also have my online banking info of needed. It was over {$100.00} dollars and I'm XXXX. Chime does not want to help me at all. Please please please help me???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I was charged {$950.00} by XXXX for a transaction that I did not make on XX/XX/XXXX. Someone stole all my credit card information including my CVV. They also had my cell phone number and home address. I called Citi a few and they ruled in favor of the merchant saying they have compelling evidence that I made the transaction. I told Citi that my information was stolen and that the tickets were sent to an email that isn't mine. The tickets were sent to email address XXXX which is NOT my email address. The IP address was XXXX XXXX, Illinois. I live in XXXX, Illinois. I had 2 other fraudulent transactions that day and apparently I wasn't on the hook for those 2. The fraudulent transaction I am disputing had this same email address on one of the other fraudulent purchases. Not sure what more I can do. This is why i am contacting you. I did contact the XXXX, Illinois police department and my report number is XXXX. I contacted the FTC yesterday.

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 monetary relief