vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I booked a 4 night stay at XXXX XXXX XXXX XXXXl in XXXX XXXX XXXX XXXX through XXXX. ( XXXX ) .and prepaid the reservation with a XXXX XXXX  card issued by AFFIRM in the amount of {$320.00}. XXXX XXXXXXXX sent me a copy of the charges and receipt. Upon checkin, the hotel said they only charged the first night and I still owed the other 3 nights. In order to checkin I had to have another virtual card issued for the alleged balance of XXXX. 
The hotel and XXXX assured me the double charge issue would be resolved. 
I have plead my case to the hotel in XXXX, filed a complaint with XXXX XXXX as well as a dispute with Affirm. 
Affirm is still demanding payment even though my account was clearly charged 2 twice. The hotel never returns my email or calls and XXXX says they are investigating but I have had no response from them in over a month

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I received a letter in the mail, from Synchrony Bank dated XX/XX/XXXX, stating that there was an error that caused me to receive an incorrect approval letter from XXXX. What I should have received was " we were unable to assign the credit amount I requested '' however I didn't request any amount I just applied. 
The letter itself had no contact information where I could inquire what and why I had received it in the mail, on XX/XX/XXXX I called the customer service number on the back of my card and spoke with XXXX different people, XXXX and her supervisor XXXX, that told me that there was incorrect information that was listed ( but wasn't able to tell me what ) and that I could just disregard the letter. On XX/XX/XXXX I tried again to speak with someone by calling the fraud department because with the letter having no contact information on there except the number for 2 different consumer reporting agencies ( which in the letter it explains not to contact them because they did not make the credit decision and would be unable to provide the reasoning of the outcome ). I spoke with XXXX which stated he saw nothing in my account stating there were any issues, I asked to speak with a supervisor, spoke with XXXX XXXX, which again stated that he saw nothing in my account, nor did he find the letter that was supposed to have been sent by Synchrony Bank.

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 2023-06-15 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: 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 XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 re
port 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 non-monetary relief
Consumer complaint received 2023-06-15 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:
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 XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number:XXXX Account name : XXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX has violated my rights. Or 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 2023-06-15 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: Texas Guaranteed
State: TX

Complaint narrative:
The Master Promissory Note you provided was handwritten, not data entered into a computer system. The handwritten data is not my writing in print and the signiture is not mine. The date of birth is not mine which was also handwritten. I provided documentation with my handwriting in cursive, print and my driver 's license with my correct date of birth. Although I completed all request i was asked to do from your company, you still continue to hold me accountable for a debt that's not mine. You did not provide a full copy of the original Master Promissory Note. Please provide the following data, a full original copy of the Master Promissory Note from the original creditor, please provide a full copy of the original loan documents and application with the wet signiture or esigniture from the original creditor. Please provide a full payment history from the original creditor. Please provide the original purchase agreement from the original creditor to Trellis Collections Company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: LA

Complaint narrative:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account.

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by 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 2023-06-15 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: LA

Complaint narrative:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report as follows : This account is listed as being 30 days late. I have never been late on this account. 

15 U.S. Code 1666B states a creditor may not treat a payment on a credit card account under an open consumer credit plan as late FOR ANY PURPOSE. It also states unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
I've disputed this particular item 4 times and they parrot information from this blood thirsty collection that have similar complaints from other consumers for unethical collection practices FDCPA violations.At this point I'm prepared to follow suit of consumers and court proceedings such as that of Dixon-Rollins v. Experian Information Solutions . In this attached letter I request your full method of Verification on this account in writing or I demand to have it deleted from my consumer report. I will seeking remedy in this case for damages caused by this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15 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: 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 number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or 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 2023-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was involved with a telephone wire transfer money order scam on XX/XX/2023. The transaction took place XX/XX/2023. The total of each XXXX direct was {$490.00}, {$490.00}, {$490.00} totaled {$1400.00}. 
Immediately after the phone call on XX/XX/2023 I realize I was a of victim of a SCAM ... .., I then immediately called Chase Bank to inform them that this is a scam and to the stop payment. They gave me a case number of XXXX. 
Chase bank wrote a letter on XX/XX/XXXX to update the claim. I received the letter on XX/XX/XXXX. The letter stated this : 1. We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
2. As a result, we are removing {$1400.00} from your account on or after XX/XX/2023. 
3. Contact us if you would like to request the information we used for our research.

I contacted Chase immediately to request a supervisor or manager to resolve this scam I was involved with. I did not authorize this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: 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 XXXXXXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXXXXXX XXXX Account numberXXXX Account name : XXXX Account number:XXXX  has violated my rights. Or 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 2023-06-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Last month I got my annual credit report and there were a lot wrong information and inconsistencies on my report I take action right I wrote the credit report bureau right away. the point out the problems on my report and for the the fix the errors, I wrote the letters on the XXXX of XXXX today is the XXXX XXXX I have yet to receive any information or correction from on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Last month I got my annual credit report and there were a lot wrong information and inconsistencies on my report I take action right I wrote the credit report bureau right away. the point out the problems on my report and for the the fix the errors, I wrote the letters on the XXXX of XXXX today is the XXXX XXXX I have yet to receive any information or correction from on my 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 2023-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, XXXX, and XXXX and have noted following discrepancies : Amerifinancial solutions Date open : XX/XX/2022 {$1400.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$970.00} XXXX Amerifinancial solutions Date open : XX/XX/2022 {$510.00} XXXX I have attached copies of the supporting documents which show that these items are inaccurate [ and explain why each document supports the dispute ]. 

Please provide me with written confirmation of the disputed items when the investigation is complete. This includes any changes to my credit report that have been made in response to this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: TX

Complaint narrative:
I was a regular payer of ELAN FINANCIAL SERVICE and I do not recall missing any payments. Yet, as I received my credit report there I noticed that I have a late payment which was on XX/XX/2022. I do not recall being late ever therefore I decided to file a dispute. I already sent multiple letters expecting for a response of for the inaccurate late payment to be removed. It has been a long wait but I was not notified of anything nor I noticed any changes with my account statement.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Transunion has continued has show they lack the responsibility and trust to manage such critical information. Their lack of resources to handle fraud and continual technical issues has been unreasonable as compared to the XXXXwo other credit bureaus. I have reached out on numerous occasions to report technical issues, obtain updates on fraud disputes and they disconnect calls or hang up or continue to pass to another representative.

A recent example is that I needed to have my credit unfrozen, after I had it unfrozen per a Transunion rep, the XXXXredit lender tried two times and confirmed Transunion has not unfrozen it. When I attempt to check on their website, it says it is having trouble providing that status information.

This is just one recent example the carelessness, lack of resources and understanding of the consumer information they hold. They have not resolved technical issues for months.

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 2023-06-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
1.Tried on multiple occasions to obtain report from trans union .

2. Online account compromised. Told expired. Requested I pay for account premium services 3. Not accurate reporting to bureau causing me not to qualify for life necessities that check credit 4. Called multiple times to various trans union numbers some times reaching onshore and offshore agents. Always requesting name bdate Ssn address and then every time call drops. Or no sound and then call drops 5.I was asked repeatedly to start new accounts I believe this is a form of fraud, retaliation or abuse. 
Please assist

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 2023-06-15 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: FL

Complaint narrative:
I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15 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: FL

Complaint narrative:
I have inquiries on the following dates, I have no knowledge of them and they were not authorized by me XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX 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