vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: GA

Complaint narrative:
XXXX, please conduct an investigation into this account 1ST PROGRESS account XXXX Last payment date is reporting XX/XX/2021 and the payment history reports multiple late payments that I believe are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
Unfairly charged consumer for interest by Bank of America. 
Bank of America offered me Promotional APR of 0 %. The Promotional Rate End Date was XX/XX/2024. On XX/XX/2024, which was my due date, I paid the XXXX XXXX XXXX XXXX. When the statement closed on XX/XX/2024, there was no interest charged. On XX/XX/2024, I paid the Last Statement Balance in full. However, when the statement closed on XX/XX/2024, there was interest charged of {$130.00}. I contacted Bank of America, but they declined to refund the interest. 
This is extremely unfair! The " Promotional Rate End Date '' provided by Bank of America is deceptive and ambiguous. On the payment due date of XX/XX/2024, when I know that the Promotional APR of 0 % End Date is still valid until XX/XX/2024, it is very natural for me, as an average consumer who does not have a sophisticated understanding of the APR, to just pay the minimum payment due, and then pay the full balance on my next payment due date which is XX/XX/2024. Bank of America did not take any action to alert me that if I do not pay the full balance on XX/XX/2024, there will be interest charged. Normally, an average consumer like me usually pay once per statement cycle which is usually on the payment due date, and it is unusual for an average consumer to pay again XXXXhree days after the payment due date. Also, had the " Promotional Rate End Date '' been the same date of my payment due date, I should have paid off the full balance on XX/XX/2024. So, I have a good reason to believe that Bank of America set the " Promotional Rate End Date '' like this on purpose, so that they can unfairly charged consumers for interest. 
I have been offered promotional 0 % APR by other major banks. With all the other banks, I was always able to make the minimum payment due on the payment due date that is on or before the Promotional Rate End Date, and then pay the full balance after the Promotional Rate End Date without any interest being charged. Bank of America is the only exception. 
Again, I have a good reason to believe that Bank of America has unfairly charged me for interest.

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 2024-04-02 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: PA

Complaint narrative:
There are current payments that have been posted for each month by all XXXX bureaus, as well as payments on XXXX and XXXX from the companies XXXX XXXX XXXX, reported a paid payment as late without my written consent. I called and asked them to remove it they said because of them giving grace periods they would not update, change, correct the information. 
date XXXX XX/XX/2023 both payments have a reported positive payment from different bureaus as well as missed payments. this is very inaccurate and hurting my consumer report severely. 

per 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

No information was ever late nor was i ever notified of a scheduled account as all my payments are on time. the XX/XX/2023 Payment as Current as well As XX/XX/2023 as payment both were paid successfully and on time

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
There are current payments that have been posted for each month by all XXXX bureaus, as well as payments on XXXX and XXXX from the companies XXXX XXXX XXXX, reported a paid payment as late without my written consent. I called and asked them to remove it they said because of them giving grace periods they would not update, change, correct the information. 
date XXXX XX/XX/2023 both payments have a reported positive payment from different bureaus as well as missed payments. this is very inaccurate and hurting my consumer report severely. 

per 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUTOUT MY WRITTEN INSTRUCTIONS.

Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

No information was ever late nor was i ever notified of a scheduled account as all my payments are on time. the XX/XX/2023 Payment as Current as well As XX/XX/2023 as payment both were paid successfully and on time

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 2024-04-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I opened an American Express Platinum Membership Rewards credit card in early XX/XX/XXXX. I added my husband and XXXX children as additional card members to the account. I paid the {$690.00} annual membership fee for my card, and the {$170.00} annual membership fee for my 3 additional card members ( it was {$170.00} total for up to 3 card members ). 
I recently noticed I was charged {$190.00} for EACH additional card member on my account in my XX/XX/XXXX statement, plus my {$690.00} annual fee. I was not made aware that the fees would increase for my additional card members. I went back through all of my monthly statements since I opened my credit card account and none of them disclose the increase to me. 
In fact, in my XX/XX/XXXX statement is says " If you were not notified of a change to the Annual Fee for Additional Platinum Cards, we will charge {$170.00} annually for up to XXXX Additional Platinum Cards, {$170.00} annually for each Additional Platinum Card after the first XXXX, and {$0.00} annually for Companion Platinum Cards. We will notify you if there will be a change to the Annual Fee for Additional Platinum Cards on your account in the future. '' So I am trying to understand how it is okay for them to triple the annual fee for my card without my knowledge. And when I called, they say that is the fee now, but can't tell me where and when they informed me differently than what I share above. They also said I was outside the 30 day window to get the full refund. If they haven't disclosed appropriately to me, the fee should stay the same and I should be able to keep those additional platinum cards with their benefits at the price they disclosed to me. They want to downgrade those cards which is quite unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: DISCOVER BANK
State: MO

Complaint narrative:
I was a victim of XXXX XXXX and left my marriage via police escort. Prior to me being escorted out of the house with police officers, my ex-husband stole my wallet as a way to retaliate against me leaving him. I immediately called the credit card ( Discover and XXXX ) companies on XX/XX/year> to make them aware of the situation and to freeze my accounts. My ex-husband then proceeded to hack into my accounts and unfreeze my credit cards and spend XXXX of dollars using my credit cards which I did not authorize. I filed multiple police reports regarding the fraudulent charges, yet am still being harassed by debt collectors despite in the divorce it was ruled that I would not be held responsible for the debts that my ex-husband charged on my accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-02 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: IN

Complaint narrative:
I reviewed my Consumer Reports and seen that a late payment was reported on an account that I have never never late for. Consumer Reporting Agencies have assumed a vital role and are responsible for outlining the information to the best of their ability with Maximum Accuracy. For the accountXXXX.I have never been late payments. Please investigate and provide proof with statements showing the payment the account was late. If Proof Can't be provided, I demand these payments be amended to on time as they should be as I was never late. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: PA

Complaint narrative:
Kindly eliminate these queries. I lack any information on them, and the company initiated them without my approval.

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 2024-04-02 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: IN

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: IN

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a customer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on credit card account under an open end consumer credit plan 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 2024-04-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Suttell, Hammer & White, P.S
State: CA

Complaint narrative:
On XX/XX/2022 ( or so I think ) there was a XXXX credit card opened under my name in XXXX XXXX, Florida. The total amount spent of what the person that opened the account was {$24000.00}. This was not me, I do not live, nor have I ever been in Florida. The charges shown on this account, which were provided by the debt collectors were random, some of which included purchases at an XXXX XXXX, fast food restaurants, car accessories, etc I was notified by the debt collectors Suttell & Hammer of these charges that were verified by 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 explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
I am homeless and just won my ssdi case I've been fighting for 4 years in which I almost took my life XX/XX/XXXX, I have lost most of my possessions, friends and family. I've been living out of my car for the last 5 months with my emotional support animal. I just finally recently received my ssdi back payment which was alittle over XXXX. I was going to use this money to secure my life but now that venmo has banned my account and are withholding my money knowing my situation which I told them as well as my banker told them and this has put me into a XXXX XXXX  in which XXXX XXXX XXXX XXXX XXXX  on. So needless to say venmo is with holding my government earned ssdi back pay for 180 days saying I violated its user agreement yet they refused to tell me what I violated and I did exactly what the lady I talked to XX/XX/XXXX told me to do which was to transfer the money put of venmo when I receive it. They now say it's a done deal and I can't dispute nor I or any can contact them on this matter. This is inhuman given my situation and the fact that I won my case for ssdi and this is the money from that and has put my life not just on hold but at risk. I need to have this resolved from professionals and got suggested to inquire on here for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: IL

Complaint narrative:
I did not initiate these accounts, and I suspect them to be fraudulent. I request a thorough investigation and their removal from my credit report. Attached are supporting documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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 2024-04-02 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:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-02 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: FL

Complaint narrative:
This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 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 explanation
Consumer complaint received 2024-04-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account NumberXXXX  Account Name : XXXX Account NumberXXXXXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-02 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account XXXX Account Name XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief