vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I was at airport and issued this ticket online at XXXX XXXX XXXX  and the flight was scheduled for XXXX XXXX XXXX The app and XXXX website check-in kept hanging and crashing when i was trying to check-in and upload the required documents and the moment it hit XXXX XXXX, it said i need to go to the counter to check in. The employee at the counter refused to assist, though the flight was delayed by XXXX minutes and I could have made it if she issued boarding pass. I was asked to go to concierge, which had big queue and was moving slow. By the time, my number came, it was XXXXXXXX XXXX XXXX This was really bad experience, as I was going through all these things as single parent with minor child. It was emergency ticket booking for me, and XXXX shouldn't let me buy ticket if they can not allow me to get boarding pass issued. Concierge refused to provide me refund because it was basic fare. I really needed to travel but felt helpless since boarding pass was not issued by XXXX XXXX! 
After struggling to get refund from XXXX XXXX, I raised dispute with American express. They simply refused as the airline records showed as " no show ''! How am I supposed to show up at gate if i am not issued a boarding pass by their system or employee!! 
Reference number from XXXX complaint # XXXX, # XXXX Reference of AMEX Dispute : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: GA

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. 
Account name : XXXX XXXX, Account name : XXXX XXXX Bank, Account name : XXXXXXXX XXXX Account name : XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose

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 2023-01-31 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: GA

Complaint narrative:
I have Fraudulent Accounts on my credit reports for Experian, XXXX, & XXXX I have disputed these accounts multiple times. 

Fraudulent Account : XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Late 30 Days Past due amount {$840.00} Fraudulent Account : XXXX XXXX XXXX XXXX Account XXXX XXXX Date opened XX/XX/XXXXXXXX  Open/closed Closed Status Charge off Past due amount {$250.00} Fraudulent Account : XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed closed Status Chargeoff Past due amount {$510.00} Fraudulent Account : XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$290.00} Fraudulent Account : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Open/closed Closed Status Chargeoff Past due amount {$1600.00}

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
Consumer complaint received 2023-01-31 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: TX

Complaint narrative:
I have contacted Equifax numerous times for the last 5 years are so with the inaccurate information they have been reporting on my credit profile. I spoke to XXXX XXXX at Equifax Fraud Department today. I spoke to Equifax last time on XX/XX/2023, Equifax have promised me to fix the errors on the credit profile, yet they did not correct all of the information. Instead they choose to put information which does not belong to me, this has decreased my credit score by XXXX points since the last update. 

I called Equifax this morning and spoke to XXXX XXXX and explained him the issue. XXXX XXXX was not only disrespectful but declined to correct any of the inaccurate information. I did speak to Manager/Supervisor, after XXXX minutes on the call, the call was disconnected. 

I was a victim of an identity theft, this was explained to Equifax in XXXX XXXX, 2023 and also sent them paperwork to this affect. Yet Equifax choose not to correct any if the inaccurate information. Ironically Equifax even closed my online disputes from XX/XX/XXXX and XX/XX/2023 without correcting the information. This is causing a lot of stress on my financially and mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I accidentally missed a payment on my Torrid store credit card. I received a call from someone collecting for Commenity/Bread Financial XXXX The caller 's behavior was unprofessional and more importantly violated FDCPA. 

FDCPA violation details : The caller did not identify himself by name or that he was collecting a debt. Did not tell me he was calling on a recorded line. Did not verify any personal information other than saying my first name and waiting for me to respond to it. He then stated the balance due and my checking account information without any verification. His lack of professionalism made me uncomfortable and I declined to make a payment with him and instead scheduled a payment on the website. 

Follow up attempt with the company details : I called the company directly to address the issue. First person I spoke with pressured me to divulge details of the payments I scheduled on the website ( 1 for the same day to bring the account current and 1 for the due date for the regular monthly payment ). He stated he couldn't see the payments scheduled. I explained they were scheduled and I was calling to get information about the call I had received and that is what I wanted to discuss at this time. Rep transferred me to a supervisor who was very nice and knowledgable but explained she needed to get me to a higher level escalation team because FDCPA violations are out of her purview. There was no one available, so we left it at she'll have someone call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Statebridge Company
State: GA

Complaint narrative:
They tell me my most highest loan amounts were over XXXX when infact i only borrowed or refinanced a small amount, not XXXX.i would like to see the check that was issued to me. i had been with XXXX XXXX and added money to an existing loan, however the break downs are not on the contract that Statebridge XXXX XXXX sent me. Never did they tell me this was a 15 years to pay this off. Well in XXXX i started paying up until XXXX maybe of XXXX. I have been paying XXXX a month for 15 years and still owe the same amounts. I have paid over XXXX for this loan and still have a balance of over XXXX. They have not been trulful to me nor does the numbers add up. I am seeking help on this, infact i have ask them to settle with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX i also lost my job and my husband during the last 2 years I am at the mercy of anyone who will just hear me out or show me how this all played out

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act these creditors have violated my rights under 15 USC 1681section 602 states I have the right to privacy.

15 USC 1681 section 604 ( a ) states a consumer reporting agency can not furnish a account with out my written instruction.

Under 15 USC 1666 ( b ) a creditor may not treat a credit card payment open and consumer credit plan as late for any purpose

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a natural human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy, and I do not give Equifax written permission to furnish these accounts Accounts 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: CT

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, XXXX, XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

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 2023-01-31 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: CT

Complaint narrative:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX, XXXX, XXXX. To remove personal information that I dont not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people. 

These are clear violations of my my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: MA

Complaint narrative:
XXXX XXXX sent notice to XXXX and XXXX  of insurance that I was rubutting them adding on by XXXX XXXX XXXX to my policy with a lie about me telling them he drove the vehicle XXXX week. With this my premium skyrocketed so I cancelled them. 
XX/XX/2021 - response from XXXX XXXX XXXX indicating that XXXX  would elimate him off policy and decrease it by " {$XXXX} '' ( round about amount ). 
XX/XX/ - sent collection notice from Caine-Weiner and emailed them same day asking for clarification of the debt ( see appendix A ) XX/XX/2021 - received response from someone else at Caine-Weiner saying I owed the debt. I had to nofify them they were coming after me for the wrong amount and it had been admended. They asked me for the proof! I sent along and still asked for a revised bill because I was unsure of the total credit XXXX   gave me for the complaint. Still nothing ( Appendix B ) XX/XX/ - Caine- Weiner sent an email stating they updated my file and attached a new statement on debt. This was just on letterhead stating I owed them {$XXXX}. But again, they could not give me validity of the debt or how they came to this amount. After several inquiries on the debt, they could not produce anything to show the amount they were billing me was correct or how they came to that number. Also, they started sending me debt collection emails way before even XXXX  days of XXXX updating the file even though on my credit report it is still showing the debt as being over {$XXXX} still when it never should have been since XXXX   credited me approx {$XXXX}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
My mortgage company is holding 6 of my monthly payments in their Suspense Balance. I have paid my payments on time and always have, I also try to be at least one month ahead. 
So far I have not been charged any late fees but at the same time my payments have not been credited in timely manner. I can not help but think that this allows the mortgage company to collect interest and pad their pockets at my expense. 
Because of being scammed and hacked I had to file bankruptcy. My house is not included in the bankruptcy and the mortgage company refuses to talk with me to clear this up. They hide behind the bankruptcy excuse. 
Up until now Rocket Mortgage has been wonderful to work with, not anymore! 
I feel that I am being treated very unfairly. I am happy to provide documentation and explain in more detail what has been going on but based on the parameters stated above it would require much more detailed explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MD

Complaint narrative:
Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. CAPIO PARTNERS , LLC is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your XXXX Department XXXX XXXX and XXXX XXXX. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as it's directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I asked my credit cards company to remove all late payments from my credit reports. 

they have agreed to remove all late payments of all my credit cards due to be being off work from a work injury. 

delete all late payments from all my credit cards on my reports

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 2023-01-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I asked my credit cards company to remove all late payments from my credit reports. 

they have agreed to remove all late payments of all my credit cards due to be being off work from a work injury. 

delete all late payments from all my credit cards on my reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
After I pointed out mistakes made by the bank to a customer service person they decided to deny me access to my online banking account. " Access is denied on this server ''.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.

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 2023-01-31 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on accounts that I was never late for. XXXX XXXX XXXX have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the following accounts : XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX  : Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and provide proof with statements showing that these late payments were late. If proof can not be provided, I demand these payments be updated as on time as they should because I was never late.

Company response to consumer: Closed with explanation