vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: NC

Complaint narrative:
Hey my name is XXXX XXXX XXXX I have recently discovered unauthorized fraudulent OPEN AND CLOSED ACCOUNTS and INQUIRIES on my XXXX, XXXX 's And Experian credit report To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ), I challenge all inaccuracies and deficiencies of reporting. Per the FCRA compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.

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 2023-12-28 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: PA

Complaint narrative:
I have been submitting various requests to XXXX, XXXX and Equifax to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. XXXX sent a letter saying info verified but provided no proof of verification as I requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: PA

Complaint narrative:
I have been submitting various requests to XXXX, Experian and XXXX to have my payment history updated to reflect accuracy. Each agency is reporting different info for months XXXX and XX/XX/2023. They are illegally reporting inaccuracies on my profile. Furthermore this data should be excluded from my consumer report or reflect applicable to me. I have advised the credit agency of the errors and of my rights that are not being obeyed. XXXX sent a letter saying info verified but provided no proof of verification as I requested.

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 2023-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: BMW Financial Services NA, LLC
State: AL

Complaint narrative:
they are reporting inaccurate data for account and it is coming back return to sender see attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2023 I applied for a personal loan with XXXX since they stated they were going to pull my XXXX credit report. Every time I have pulled my XXXX credit report it shows a score of XXXX with no delinquencies which is consistent with what was ruled by an elected Texas Judge last month. When I got the response from XXXX they stated my XXXX score was showing delinquencies and a score at XXXX because of defaulted debt. I filed a complaint over a month ago to make sure they information I was receiving was the same they were sending to lending companies. This shows that is NOT the case.

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 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: PLS GROUP, INC
State: NY

Complaint narrative:
I brought a money order of XXXX XX/XX/2022. And the money was stolen, when i went to complain they said it might take up to a year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Background : On or about XXXX, I entered into an agreement to purchase an XXXX  system from a reputable local dealer/integrator. 
A pivotal factor in my decision was the 'zero-interest ' financing offered by Home Depot through their Consumer Credit Card issued by Citibank , N.A . 
I was approved for a credit limit of {$14000.00} ; my first statement was dated XXXX. 
During the setup of this account, two decisions were made with the assistance of a Citibank representative. Both decisions proved problematic : o The Paperless Statements option was selected. 
o Auto-payments of $ XXXX were established. 

Issue : On XXXX, the XXXX promotional period ended. Unbeknownst to me, the total of auto-payments was insufficient, leaving a balance of {$2800.00}, triggering a lump sum interest charge of {$5400.00}. 

Explanation : My intention was always to pay off this credit account within the promotional period. 

Due to a change in my email security settings, Home Depot email statement notifications were filtered into a Spam folder for the past two years. I have not seen any email statement notifications since that change. 

I had mistakenly assumed the XXXX XXXX monthly payments were adequate. I expected that the Citibank representative would have advised me on the proper monthly payment during the account setup. 

Beyond email notifications, a call or text from Citibank to inform me of the carried balance issue would have been a professional courtesy. If notified, I would have paid the balance before the promotional term ended. 

Responsibility Acknowledgment : I acknowledge my responsibility to manage the account and pay the balance within the 24-month promotional period.

I also believe Citibank should bear some responsibility for failing to advise me on appropriate monthly payments and failing to make a better effort to notify me of the term 's end.

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 2023-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid off my account and wasn't informed there would be a final interest payment. There was a small interest charge, less than {$2.00}, so I was assessed a minimum interest charge of {$2.00}. I received a statement, but didn't look at it because I thought it was just verification of my closed account. I became aware of the problem when I received another statement. I was assessed another minimum interest charge of {$2.00} and a {$2.00} late fee. I now owe {$6.00} on a balance that was only a small amount of residual interest. I know the dollar amount is small, but the policies that more than trippled what owed seem onerous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
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 2023-12-28 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I rented a car for XXXX day from XXXXXXXX XXXX XXXX company in XX/XX/202. They charged me for XXXX days although I returned the car within the allotted time and have a photo that proves it. I disputed that amount. Chase denied my claim in a XXXX letter and reversed the charge-back saying that the services were received or available for use. I appealed. They denied the appeal on XXXX XXXX saying that the merchant had provided me with the services. When I called, they said too much time had elapsed and there was nothing they could do. However, they shouldnt have denied the XXXX  dispute given that I had proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681, section 602, which states I have the right to privacy 15 USC 1681, section 604A, section 2 it also states that 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 and consumer credit 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 explanation
Consumer complaint received 2023-12-28 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: NJ

Complaint narrative:
Kindly remove this to my credit report. This is causing me a lot of stress and 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 2023-12-28 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: CA

Complaint narrative:
I opened a Chase Marriott XXXX  card in XXXX, and be advised that for using {$1000.00} dollar for the first three-month purchase, I will be receiving XXXX bonus points. 

On XX/XX/2023 I fulfilled the terms and requirements and EARN the XXXX, posted in my Chase account. But then without my consent, Chase Automatically transferred my point to a UNKNOWN Marriott account " claimed '' to be me ( XXXX XXXX XXXX. In which the whole process I am not aware of nor permitted. Of course, I do not have access to this UNKNOWN account. 

Then on XX/XX/2023. I have contacted Chase to make sure my account is correctly linked to the correct Marriott account. My true Marriott account is XXXX. This process has been " concluded '' so-called finished by CHASE. For XXXX, XXXX, and XXXX, each time I contacted, Chase Agent always had only one response saying " The account is linked correctly, and the points will reflect in my XXXX Marriott account. But each time I checked and contacted Marriott, Marriott did not have my point, they claimed Chase had not transferred any points over. 

Now today, XX/XX/2023. About four to five months later, my Chase account is ZERO, my Marriott account is XXXX. My Earned XXXX points have disappeared on both ends. Both Chase and Marriott refuse to communicate on behalf is customers for their cobrand cards. Chase insists " Transfer completed to Marriott, but refuses to track the points, nor provide and information to customer, keep saying it transfer, nothing can do. '' Refuse to track with Marriott indeed received and post the point to a customer membership account. Failed to deliver reward system within a XXXX card controlled by Chase. 

Contacted Chase again on XX/XX/2023, during the phone call of one of the supervisors at around XXXX in the afternoon. The lady refused to provide additional help, saying she could not do anything because the point was transferred to Marriott. Claiming " What else want me to do for me, there is no other solution. '' After that, She did not care about the customer and just hung up and disconnected. 

For a Chase and Marriott XXXX XXXX, served and operated by Chase. Chase offers XXXX points for using {$1000.00}. After the customer earns the points, when the points disappear and customer can not track and use the point. Chase, the issuer, refused and unprofessionally left the customer out of the solution, which this action is causing me, a customer, serious damage in using the points and future trust with the bank reward system. I sincerely believe Chase 's act is a scam act of causes customers to lose points and earn rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
I am writing to express my serious concern and dissatisfaction regarding the mishandling of my personal information, leading to a negative impact on my credit score. I have recently obtained my credit report from your bureau, and upon careful review, I have identified several inaccuracies and instances of unauthorized use of my information. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681, I am entitled to accurate and fair reporting of my credit information. It has come to my attention that the following issues have occurred : Unauthorized Inquiry : I have identified an unauthorized inquiry on my credit report, which appears to have been made without my knowledge or consent. This unauthorized inquiry has contributed to the decline in my credit score. Incorrect Account Information : There are inaccuracies in the account information reported, including : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX FIFTH THIRD XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These inaccuracies have unfairly impacted my creditworthiness. 

Identity Theft Concerns : The discrepancies in my credit report raise serious concerns about potential identity theft or fraud. I request a thorough investigation into these discrepancies to ensure that my personal information is not being misused by any unauthorized parties. 

I am attaching copies of relevant documents that support my claims, including proof of the unauthorized inquiry and any evidence that substantiates the inaccuracies in my credit report. I kindly request that you promptly initiate an investigation into these matters, in accordance with the FCRA. 

Under 15 U.S.C 1681i ( a ) ( 1 ), I request that you investigate the disputed information within 30 days of receiving this letter and, if necessary, correct or delete any inaccurate or incomplete information. Additionally, I request that you provide me with a written report of the results of the investigation. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Failing to rectify these issues promptly may compel me to take further legal action to protect my rights under the FCRA. 

Please acknowledge receipt of this letter and inform me of the actions taken to address these concerns. I can be reached at XXXX or XXXX. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this account was opened on XX/XX/XXXX i disputed XXXX XXXX on XXXX again on XX/XX/XXXX and again on XXXX the account still remains on my credit report. i am a victim of identity theft. I was notified by the XXXX XXXX XXXX XXXXe and component of the United States Department of Justice that my personally identifable information have been exposed in a security breach. This account I didn't apply for so it needs to be disputed. I have added supporting documents that's needed to be 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 2023-12-28 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: GA

Complaint narrative:
I reviewed my consumer reports and noticed that I had XXXX late payments on this account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maxima accuracy. I have never been late on a payment for the the account that I have included screen shot inside this company in on date of XX/XX/XXXX & XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided, I demand these statement to be update to paid as agreed on this time as they should be due to the fact In was never late. Thanks. Please see screenshots attached :

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 2023-12-28 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: FL

Complaint narrative:
This account is reporting late reported in my XXXX and TransUnion Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify from themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 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 2023-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: ID

Complaint narrative:
This is for complaint # XXXX in regards to what cashapp still has NOT done, which is reply, since I put the last complaint in they have sent me one message saying that they put a provisional credit in my account for all the dispute amounts listed my account is still negative and they are also not replying back and have not replied back since then which has been over a week I also now have all of the amounts in the complete amount that I am owed from them this involves any of the money that went towards the negative balance that didn't get taken out for whatever reason this includes the disputes that I was denied this also includes the amounts that got charged on to my already negative balance that should not have been tagged on because I was already in the negative balance so there was absolutely no reason at all that my card should have been still being charged not by me for an even greater negative amount. Also not authorized by me either. Which I can show if need be to how many transactions didn't go through because they asked me first if it was me or not, they didn't do that with any of these ones.

Company response to consumer: Closed with explanation