vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It is completely unfair to find late payments on my account given my consistent history of timely payments. I demand that this error is rectified promptly. I kindly implore you to immediately correct this situation and ensure my account accurately portrays my history of punctual payments.

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 2023-09-19 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: RentDebt Automated Collections, LLC
State: FL

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 XXXX, Account name : Rentdebt Automated Colle, 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 2023-09-19 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. SECTION 2 : It also states that a consumer reporting agency can not furnish a account without my written instructions.

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 2023-09-19 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
Improper use of my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Inaccurate payment history was reported by XXXX Account number XXXX. It all began when I requested a credit report and XXXX XXXX that XXXX bank reported 30 days late on my credit report, I immediately called XXXX to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, XXXX the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, Experian, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to XXXX bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my Experian credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: CA

Complaint narrative:
Inaccurate payment history was reported by SBNASELFLNDR Account number XXXX. It all began when I requested a credit report and I SBNASELFLNDR that SBNASELFLNDR bank reported 30 days late on my credit report, I immediately called SBNASELFLNDR to find out, and they said that I needed to pay the full balance off and they would remove their inaccurate information. after paying the full balance off, SBNASELFLNDR the bank didn't improve inaccurate information. I have contacted all 3 credit bureaus, XXXX, XXXX, and XXXX several times, they were all repeating that I need to submit a dispute with them, after sending them many letters, I haven't heard anything from them. Then I decided to send a letter to SBNASELFLNDR bank to improve my payment history as I have never been late. I their mistake. In XX/XX/2023 I checked my XXXX credit report and I didn't have any late payments reported on my credit report. After a few months, the 30-day late payment again appeared on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
The dates are not perfect, however I made a verbal contract for a 60-month payment plan. The payment plan took effect and successful payments were taken out of my account for 15 months. 

Chase Bank accepted a change of address that I did not provide, nor did I approve. This change of address was not mine. They have yet to inform me how this change of address was provided to them. 

Chase Bank did not inform me that my card would only be charged for 12 months, ( even though it was charged for 15 ) before needing an updated payment. I have requested records of the contract to prove that I was not informed but have yet to receive them. 
Chase Bank says they sent letters to the incorrect address about the request for updated information, which I did not receive as my address was changed without my authorization. 

My account became delinquent without my knowledge has Chase Bank was sending mail to the wrong address, which has affected my credit score. 

When you contact Chase Bank, no one individual person can assist, however every representative puts their hand in the pot before transfers you to someone new. You must be willing and able to spend three plus hours at a time on the phone with Chase Bank, but don't expect any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: GA

Complaint narrative:
Transunion is reporting errors on my credit report I sent several letters to them even dispute online and they refuse to update my credit file nor did they provide me with results of there findings after I requested proof. 

The following discrepancies and potential FCRA violations were identified on my credit report : Account Information : XXXX XXXX Account Number XXXX XXXX XXXX Account Type Detail Discrepancy : TransUnion reports " Flexible spending credit card, '' while XXXX reports " Credit Card. '' Violation : This discrepancy directly violates a specific FCRA ( Section 623 ( a ) ( 1 ) ( A ) ) if it leads to confusion or misrepresentation of the account. 

Balance Exceeding Credit Limit : Balance : {$6400.00} Credit Limit : {$5400.00} Violation : This situation is inaccurate in reporting under ( Section 623 ( a ) ( 1 ) ( A ) ) if the balance is reported as exceeding the credit limit, which can negatively impact my creditworthiness. 

Payment Status Inconsistency : Both TransUnion and XXXX report " Collection/Charge off '' with a " Monthly Payment '' of {$0.00}. 
Violation : Reporting a monthly payment as {$0.00} while indicating a " Collection/Charge off '' status may be inconsistent and violates FCRA 's requirement for accurate and complete reporting ( Section 623 ( a ) ( 1 ) ( A ) ). There is no way you can have both of those statuses ; a Charge off is a sold account, and this debt does not belong to me. There should not be a reported balance. I do not own this account. 
Reporting Dates : Last Reported Date Discrepancy : TransUnion : Last Reported - XX/XX/XXXX XXXX : Last Reported - XX/XX/XXXX Violation : The discrepancy in last reported dates between the credit bureaus violates FCRA 's requirement for accurate and up-to-date reporting ( Section 623 ( a ) ( 1 ) ( D ) ). 
Date of Last Payment Discrepancy : Both credit bureaus report the " Date of Last Payment '' as XX/XX/XXXX. 
Violation : If this date is inaccurate, it violates FCRA 's requirement for accurate reporting ( Section 623 ( a ) ( 1 ) ( A ) ). 

I kindly request that TransUnion delete this record from my credit report and take appropriate actions to ensure compliance with the FCRA.

I requested that they provide me with a written response outlining the results of their investigation, any actions taken, and documentation to rectify the violations within 15 days.

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 2023-09-19 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: NM

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.

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 2023-09-19 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I attended a free trial class on XX/XX/23 at XXXX am and was brought to the side to discuss signing up for recurring paid classes. I signed up without my husband there to discuss further. Their no refunds for unused classes was explained to me under the impression, and rightfully so as it is actually under their missed classes/make up classes section of the agreement, that there are no refunds for any missed/unused classes that are not rescheduled. A few hours later after leaving at XXXX pm and getting home at XXXX pm I called and texted to discuss canceling the program altogether and a refund as no services will be rendered. They tried to say that the no refunds on unused classes applies in this case even though it shouldn't for many reasons, mainly XXXX being XXXX 3 day cooling off period rule AND that it was only an hour or so after signing AND that I have not received any services yet or wanted to after considering it further. After explaining this all in person, they then provided me with a paperwork that I was not aware of XXXX signed myself that stated a no refund policy at all! It even says " telephone order '' on the signature section of this document where I was supposed to sign but DIDN'T. This was NEVER explained, brought up, signed, or discussed with me. I feel like this is grounds for a refund in all senses but also a change in their policy or procedures for this paperwork to be read, visible, and signed by buyers so they can not fall into it like I did. So I proceeded to file a chargeback/dispute with my credit card XXXX and they stated I didnt cancel prior to the processing date although the processing date was XX/XX/23 at XXXX am and I canceled same day, a few hours after at XXXX pm. This did not make sense to me. XXXX ( the merchant ) has kept the cancellation paperwork which showcases I signed same day to cancel and after attempting to retrieve it they have not provided me it. I asked the bank for dispute resolution evidence that made them side with the merchant and they have not provided me it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: The CBE Group, Inc.
State: TN

Complaint narrative:
Received call on Tuesday, XX/XX/2023 at XXXX from phone number : XXXX. I took the call and only said hello. They asked for XXXX XXXX ( my name ) and said I confirmed I was him. They mentioned my address and asked me to confirm. I asked who they were, they said CBE Group. I told them I am unaware of who they are and they said that is why we are wanting to confirm your information. I XXXX them while on the call and saw they were debit collectors. Any outstanding debts I have, I am on payment plans and have been making them on time. I have received no collection notices in the mail. I told them I am unaware of who you are, so I am ending this call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I received a call from XXXX claiming they were from an attorney 's office and they were calling to collect a debt from a Victoria Secret account that was opened. I currently do not owe or own a Victoria Secret account, so clearly this was an attempt for scam and/or fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
equifax was mailed a dispute on XX/XX/23 in regards to some information on showing on my report that was not mine. I have requested that it also be deleted over the phone but have yet to be heard.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
Around the first week of XX/XX/2023 I got a credit card in the mail that I didnt apply for. It read that if I dont activate then I wont be billed. I tossed it in the trash, never activated and never applied for it. Fast forward to today ( XX/XX/2023 ) I get a bill in the mail for a card I never applied for. I call the company up and told them what had happened. They basically said that Im going to incur late fees and marks on my credit from them until they do an investigation. Like come on! I never applied for it and it has never been used but your sending me a bill. This is absolutely ridiculous. 

The card is Indigo and the company is called Genesis FS Card Services

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: SECURITY FINANCE CORP
State: OK

Complaint narrative:
Security finance # 9 keep pulling my credit report without my permission 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19 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: NM

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.

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 2023-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

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 2023-09-19 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: NC

Complaint narrative:
This bureau continues to publish addresses thats not mines and versions of my name thats not mine. Then, this bureau uses the addresses to verify fraudulent accounts thats not mine.

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 2023-09-19 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: TX

Complaint narrative:
TAKE NOTICE ( XXXX ATTEMPT ) COMPANY IS VIOLATING MY CONSUMER RIGHT TO PRIVACY PURSUANT TO 15 USC 6802 BY REPORTING UNAUTHORIZED INFORMATION. ON XX/XX/XXXX, IN WRITING, I SENT COMPANY AN OPT OUT NOTICE. COMPANY IS STILL REPORTING NON PUBLIC INFORMATION ACCORDING TO CREDIT REPORTS. 

COMPANY IS IS VIOLATING MY RIGHT TO PRIVACY PURSUANT TO THE FOLLOWING CONSUMER PROTECTIONS : -PRIVACY ACT OF XXXX -CODE OF FEDERAL REGULATION TITLE XXXX CHAPTER XXXX SUBCHAPTER C PART XXXX PRIVACY OF CONSUMER FINANCIAL INFORMATION -TITLE XXXX UNITED STATES CODE XXXX XXXX OBLIGATIONS WITH RESPECT TO DISCLOSURES OF PERSONAL INFORMATION

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