vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: Experian Information Solutions 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  Account XXXX Account Name : XXXX XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My wife and I have over XXXX Chase Ultimate Rewards points, listed on our Chase Sapphire Reserve credit card account. 
We had a business that failed and we filed XXXX  XXXX bankruptcy on XX/XX/XXXX. All of our Chase credit cards had {$0.00} balance and were in good standing at the time. Chase was not to be included in the bankruptcy since we didn't owe them any money. We thought our Chase accounts would remain open or we would receive notice from Chase to use/move the Ultimate Rewards points if Chase would close the accounts due to the Bankruptcy. 
On XX/XX/XXXX we couldn't see any credit cards on our chase online banking and could not log into Ultimate Rewards. We spoke to multiple people at Chase in credit services, collections, ultimate rewards and escalated to a supervisor in credit services. All said they couldn't reinstate the Ultimate Rewards points. 
I'm asking for an exception since all of our cards were {$0.00} balance and in good standing and the bankruptcy will not impact Chase at all. Can we get the points reinstated even for a few days so that we can transfer the points to partners?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: KY

Complaint narrative:
XXXX  Open balance
NCB MANAGMENT SERVICES
Original creditor
XXXX
Opened
XXXX XXXX XXXX (1 yrs, 7 mos)
Account status
Open
I dont know this account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, 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.

has violated my rights. Or a list of inquiries : 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 non-monetary relief
Consumer complaint received 2024-06-24 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: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I contacted XXXX hotel in XXXX California to confirm I would be able to check in late. Upon confirming this, I booked an hotel reservation for XXXX XXXX which cost {$150.00} - upon arriving the person working behind the counter made a mistake and could not locate my reservation. The person said that I did not have a reservation for XX/XX/XXXX through XX/XX/XXXX XXXX night in fact, did. They did not allow me to stay there. So, I disputed a transaction because I did not get the goods and services I paid for.. I have contact Cashapp several times in the month of XXXX. They can not and have not provided any additional information to support their case. The last contact stated they could NOT provide additional information - yet they state the goods and services were provided but with NO PROOF : Hi XXXX, My name is XXXX XXXX and I'll be your friendly expert and my teammate is out of the office now but I'll be taking over this case but don't worry, I'll be more than happy to assist you today! 

Thank you for that information XXXX, checking very carefully into your account let me mention that I see you already have a dispute claim however I want to mention that we are unable to provide any more information regarding your dispute filed on XX/XX/year> at this time. As a reminder, dispute claims may take up to XXXX days from the date that we received your notice of error to review and resolve your claim The email continues to say how I can access the files and information of the claim but theres nothing to access - they closed my original claim within XXXX hours and NEVER processed the additional information that I sent it. Many emails were ignored - especially XXXX with information I provided to submit my claim on XX/XX/XXXX- as well as several emails afterwards. I never received an update after an email I received on XX/XX/XXXX stating my case was being transferred and escalated however no response to that email either. I sent in supporting information from the hotel and company - they confirm the reservation was marked as no show which is false because i notified the hotel I would be arriving AFTER midnight - additionally, the hotel confined no shows are not marked until XXXX - so an employee made a mistake on my reservation & due to their error, I couldnt check in even though I confirmed prior to the booking that I CAN check in after midnight - they clarified my checkout would still be the same time. Finally, I got them to reopen the case - however they closed in XXXX  days later saying I didnt reply when I sent them several responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Hello, I am writing you because I dont recognize any of these inquiries on my credit report. I don't recognize this lender and I don't remember authorizing them to perform a hard inquiry on my credit report. I would like all them to be removed immediately. 
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX XXXX XXXX : XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Bank ( XXXX ) XXXX Finance/Personal ( XXXX ) XXXX Finance/Personal ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
RE : Inaccuracies report to credit file & Violations of my Consumers Rights. 

I am contacting you because I recently pulled my credit report, and I found some information that is inaccurately being reported. Below are accounts that are displaying as being charged-off, if these accounts were indeed charged-off, then why didnt I not receive a copy of a 1099C from the creditors. They received a tax write-off, and I should not have this debt reported on my credit profile. Therefore, send me any forms or any documentation showing that you have the right to report this as a debt. If you can not provide this information, please remove the mentioned accounts from my credit report immediately. According to the IRS, cancelled debt ( charge-off ) is gross or ordinary income. Therefore, these charge-offs are considered as income and income should not be reported on my consumers report. 

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  This is a violation of my consumers right, according to the Fair Credit Reporting Act FCRA : 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies 1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LendingPoint Holdings LLC
State: NY

Complaint narrative:
On XX/XX/year> I learned that debt collection agency known as XXXX XXXX XXXX was calling 3rd parties and harassing family members when they had a direct line of communication with me the primary party. They were given a cease and desist in this matter and still engaged in harassing these separate parties. Furthermore, XXXX XXXX XXXX refused to mail out the documentation stating the debt I owed, when I requested this information the supervisor there stated that he would only send it via email even after I responded with the fact that I do not own software that can view the type of attachment 's linked to the email, he also stated he would not spend a dime sending out a certified letter to ensure i received this information. More alarming was that on XX/XX/year> I entered into an agreement with them to pay certain amounts on certain dates beginning with the first payment that day in order to stop the abusive conduct from occuring regardless of wether i owed the debt. It came to my knowledge that the agency accessed my bank account and withdrew funds without my permission. This is a clear violation of the FDCPA Act. Included below is the ban transaction to which they illegally accessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
XX/XX/year> - Upon closing the account I did not apply for, the company ( Barclays ) created a 2nd account ( without my knowledge ) and transferred the charges from the fraudulent account to the 2nd account. I became aware of the 2nd account on XX/XX/year>. During the interim, and since XX/XX/year>, there does not appear to have been any investigation, and interest and late fees were being added to the account. I have spoken to the company a total of 7 times ( XXXX XXXX XXXX XXXX XXXX XXXX with no resolution and continued interest, late fees, and flagging as past due. Detailed account of each communication is attached with documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
SETF.com ( Southeast Toyota Finance ) to whom I make my monthly payment for the XXXX XXXX XXXX I am leasing and driving has some issues on its website, which XXXX ( company rep based in the XXXX I spoke to on XX/XX/XXXX at XXXX ) told me " the website has recently been updated '' and is having problems. 

Among my problems with the SETF website are : - Not working overseas in other nations when I am traveling abroad ( perhaps to prevent hacking and cybersecurity threats and concerns ). 
- Not showing the full payoff amount when I sell the vehicle to a 3rd party. 
- Not clear about two month grace period ( for late payments made and pre-approved according to the website ). 

SETF site says it understands sometimes people have extenuating circumstances arise ( illness in the family or oneself ) and can not make a payment. SETF says they will give 2 months grace for late payments, but then the misinformation begins because when the consumer attempts to utilize the 2 months grace to pay later, the SETF site says to be eligible to obtain the 2 months grace to delay payment, a {$610.00} payment is made at the time of doing so ( applying for payment delays/ extensions ). 

Thus the SETF site is confusing, complicated, deceptive and sends mixed messages, misinformation and is difficult to understand and navigate. 

I therefore would like to be allowed to make payment 2 months from now ( due to these problems with the SETF website ) and charged no penalties for late payment. Often whenever I have called, the SETF automated phone system has hung up on me and dropped calls ( even after I waited to speak to a real live person ). 

Thus the SETF site is partly negligent for late payments and MISINFORMATION causing consumers harm and confusion regarding payment terms. 

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 2024-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America messed up my credit card payments. Here are the timeline : XXXX  I have a statement balance of XXXX in XX/XX/XXXX. At the beginning of XXXX, out of nowhere, boa initiated two identical payments of XXXX from my checking account at XXXX XXXX XXXX. I called on XXXX and the representative initiated a return of payment on my of the two identical payments, and told me that the money would be returned to my checking account in a week XXXX. Not seeing the money, I called again on XXXX or XX/XX/XXXX and was told that the money would be there in two more days. 
XXXX. Still not seeing the money, I called again around XX/XX/XXXX, and was told that due to this being a transfer to a different bank for more than XXXX, it require extra approval which might take up to 60 days XXXX. On XX/XX/XXXX, I got a message from boa collection department saying that the other payment at the beginning of the month was also returned, and I'm thus past due. 

As you could apparent see, none of these makes sense to me, because I've paid my balance, and actually overpaid it due to some unknown reason on boa side, and I've yet to see any of the overpaid money back on my account My requests are : XXXX. For boa to sort out the second return payment issue, and mark my credit card bill as fully paid XXXX. For boa to return one of the two identical payments to me XXXX. For boa to compensate me for the interest loss on XXXX dollars, at the current fed rate of 5 % per year, for the duration between XX/XX/XXXX to the date when I get my extra payment back

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
Consumer complaint received 2024-06-24 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: 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.

has violated my rights. Or a list of inquiries : 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 2024-06-24 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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