vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-16 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 this creditor has violated my rights under 15 USC-1681 Section 602, states I have the right to privacy 15 USC 1681 Section 604A Section 2 it also states the consumer reporting agency can not furbish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card account under and open and consumer credit card as late Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Payment Status XXXX days late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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: NY

Complaint narrative:
I paid for a copy of my credit report and noticed fraudulent accounts and improper use of consumer or credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate reporting of account information on my credit report by the bureaus and creditors for my accounts listed below : XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have a AAdavantage Aviator Red Mastercard with Barclays. On my XXXX XXXX XXXX billing statement, I was charged {$41.00} for interest. Per the statement, my previous balance as of XXXX was {$1900.00}, Per the statement, I made payments of $ {$1800.00} leaving a balance of {$100.00}. As a result, I was charged interest of {$41.00} which is approximately 37.97 %. This is significantly higher than the credit card terms.

On my XXXX XXXX XXXX credit card statement, I was charged {$47.00} for interest. Per the statement, my previous balance was {$3600.00}. Per the statement, I made payments of {$6500.00} or {$2900.00} MORE than the outstanding balance but, was still charged interest. 

In speaking with the Barclays representative, I was informed that interest begins accruing as soon as I make a payment. Specifically, since I make small payments multiple times up until the Due Date, interest began accruing as soon a s I made a small payment towards the outstanding balance. Based on the explanation which I confirmed with the representative, as an example, if I had a balance of {$10000.00} and I made a payment of {$5.00} immediately upon receiving the statement, interest would begin accruing on the remaining {$9900.00} even though I still have 22 days left before the due date. This clearly does not make any sense. 

Based on the representative 's explanation, if I make a payment on the first day of the 22 days prior to the due date, interest begins accruing on that day regardless of whether or not I've paid a significant portion of the balance before the due date.. However, if I wait until the actual due date, interest does not begin acrrueing until that date. 

So, based on the explanation, my XXXX XXXX XXXXXX/XX/year> statement continued to accrue interest despite the fact that I paid {$2900.00} more than the balance. 

There are clearly issues with the method in which Barclays is charging interest to customers. As stated above, a {$100.00} balance was charged {$41.00} in interest and the following month, I was charged {$47.00} interest even though the entire balance and more was paid.

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 2024-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I applied for a credit Card with XXXX XXXX and was approved. I took full accountability for any late payments. I got behind on the payments because I lost my job during the XXXX disaster. Once I found a job I called XXXX XXXX. which is a collection agency for XXXX XXXX XXXX. I settled the debt with them on XX/XX/2023 I noticed on the receipt the amount I settled the account with was stated on the receipt. I Called XXXX XXXX and ask could they please delete this account from my credit report because I'm trying to obtain a mortgage. Quick answer was no I said ok thank you. I've Called/ Dispute and written a good will letter to all 3 Credit Bureaus and explained why this is important to me. In 42 years I've never spoken to XXXX very rude and unprofessional Customer Service reps. It doesn't make sense to make another human being suffer because of financial struggles, and trying to better themselves. Thank you Respectfully 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 2024-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
During Pandemic, I received a letter from American Express dated XXXX XXXX that my credit limit is reduced from XXXX to XXXX giving me following reasons : 1. My credit score is XXXX XXXX. I have other credit cards with high usage. 
3. One payment sent by me was returned.

4. Too many inquiries on my accounts.

My answer was that reason 1 and 2 is nothing wrong and in my favor.

3. The payment returned was mistake of an employee of American Express error as my bank account number got changed. I never used my bank account to make a payment on my credit card and always used Money order. This was first time I made a payment via my bank account. The american express was called several months before this payment issue and informed about bank account number changed and they reported that change is made. I have PROOF of phone company record that I informed American Express several months ahead of this incident. The minute it came to my knowledge, I contacted AMEX and asked them to charge my new account which I gave them several months ahead and it was paid in a minute. I was offered 10 days to pay whereas I paid it in minutes instead of taking time. XXXX of that they reduced my credit limit. I gave information about my money in stocks, my bank account baance, my ownership of a house but they always will ask me my date of birth as verification for accounts to talk and through my date of birth they can see that I am at XX/XX/XXXX of age and have great chance of XXXX due to pandemic so they kept refusing to increase to my old limit. 
Their 4th accusation was a lie, LIE, that I had too many inquiries. I had only ONE inquiry in 24 months. Bottom line is that I was made victim of PANDEMIC. Upon contacting to file a complaint with their arbitrator and also on their website they offering arbitration address. I sent a registered mail complaint it returned that address not deliverable and I still have that envelope unopened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: TN

Complaint narrative:
In XX/XX/year>, I disputed an account with Experian involving a furnisher named XXXX XXXX. The furnisher failed to conduct a reasonable investigation regarding my initial disputed and Experian failed to ensure the account 's maximum accuracy per section 1681e ( b ) of the FCRA. The account is currently reported as an inaccurate and incomplete account. It reports a charge off balance that does not align with the amount that was written off and the payment history reports " ND '' notations indicating the info is missing from the report. The balance and balance update on the account does not show any information. Not even a XXXX balance. I attempted to dispute the unresolved issues with Experian directly and was told that it was a frivolous dispute which they refused to process.

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 2024-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Recovery Solutions, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I was transported to the hospital via ambulance by XXXX XXXX XXXX XXXX, XXXX ( original creditor ). At that time, my medical insurance provider was XXXX. The amount initially billed by XXXX XXXX XXXX XXXX, XXXX was {$4800.00}, but XXXX negotiated a discount of {$2200.00} leaving a balance of {$2500.00}. XXXX then paid {$2000.00} of this amount leaving a balance due of {$510.00}. At some point thereafter, this debt to XXXX XXXX XXXX XXXX, XXXX was evidently purchased by XXXX XXXX XXXX XXXX XXXX located in XXXX, California ( current creditor ). 

On XX/XX/XXXX, I received an email alert from XXXX that my previously exceptional XXXX score had fallen by XXXX points. I immediately logged into my Experian account and discovered that the culprit was Debt Recovery Solutions , LLC located in XXXX, New York ( collection agency ) falsely reporting on behalf of their client XXXX XXXX XXXX, LLC that the balance due is {$2700.00}. 

On XX/XX/XXXX, I disputed the validity of the alleged balance due with Debt Recovery Solutions , LLC along with XXXX, XXXX, and XXXX and provided proof in the form of my explanation of benefits from XXXX that the balance due is only {$510.00} NOT {$2700.00}. 

As of this writing, both XXXX and XXXX have removed the Debt Recovery Solutions , LLC collections account from their respective credit reports on me entirely. XXXX, however, has refused to do so or to even correct the balance due from {$2700.00} to {$510.00} because the creditor has verified to our company that the balance is being reported correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX Account Number- To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt.

Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
In XX/XX/2023, I bought a XXXX XXXX XXXX XXXX with {$500.00} balance. 
Upon opening the card, I found that the strip is covered by the glue from the package thus it can not be used. 
Since then I opened a case with them to get a replacement card. 
I contacted them multiple times and only responses I have is to wait. 
Card number I bought is : XXXX My Case number with them XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-16 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: GA

Complaint narrative:
Syncb / XXXX  Account number -To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

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 2024-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-06-16 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: GA

Complaint narrative:
XXXX XXXX XXXX  Account number -To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-16 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding an unresolved chargeback request related to a transaction that occurred on XX/XX/year>. Despite my efforts to resolve this issue through Citibank 's billing disputes department, I have not received satisfactory assistance. The transaction in question involves an illegal business, and I have provided substantial proof to support my claim. 

Details of the Incident : I was initially quoted {$1500.00} on XX/XX/year> for a XXXX XXXX XXXX XXXX by XXXX XXXX, also known as XXXX XXXX, the sole practitioner of XXXX XXXX XXXX XXXX XXXXXXXX. However, {$2500.00} was charged to my credit card without my consent. The procedure failed to deliver the promised and advertised results, and I later discovered that XXXX XXXX is not licensed to perform these procedures. 

In fact, I discovered the procedure, practitioner, and business is operating without the proper licenses. According to Rule 61G5-18.00015 1 ( b ) of the Florida Administrative code, procedures such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( which these were ) are beyond the scope of a XXXXXXXX license and require a medical license. The practitioner from the XXXX XXXX is not a licensed XXXX XXXX, or medical professional, violating state regulations. The business itself also does not appear to be properly registered as a XXXX XXXX XXXX XXXX  business. This unlawful practice has been reported to the Florida Attorney Generals Office, the Florida Department of Health, and the Florida Department of Business and Professional Regulation. Citibank was also notified of these details to aid in resolving the chargeback. 

Additionally, XXXX XXXX XXXX XXXX XXXX 's advertised policy states, " Our policy is that if there is no measurable and/or visible difference our clients do not get charged. '' Despite no visible or measurable improvement, this policy was violated, and I again informed Citibank of this policy, and provided proper proof of this advertised refund policy. Other customers have experienced similar issues and reported them on XXXX, this indicates a pattern of this business refusing to honor their own advertised policy, which constitutes a violation of Floridas Deceptive and Unfair Trade Practices. 

I have been a loyal Citibank customer for several years and have maintained an excellent credit history. I am concerned that this unauthorized transaction will impact my credit score, which I have worked diligently to uphold.

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