vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-10 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: IL

Complaint narrative:
I am writing to file a formal complaint against Experian, a consumer reporting agency, for inaccurately reporting accounts associated with XXXX XXXX Specifically, accounts related to XXXX XXXX XXXX XXXX XXXX, and XXXX are being reported inaccurately, creating a glaring inconsistency that stands as a flagrant violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ). 

The inaccurate reporting involves discrepancies in the information associated with these XXXXXXXX XXXX accounts. Such inconsistencies not only jeopardize the accuracy of my credit report but also violate the FCRA, which mandates that consumer reporting agencies maintain accurate and up-to-date information. Section 623 ( a ) ( 2 ) of the FCRA requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information contained in my credit reports. 

Experian has violated this section as evidenced by the inaccuracies in my credit report, is a matter of great concern.

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 2024-01-10 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: AZ

Complaint narrative:
Fix the problem and add car payments FCRA for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX as PAID on time. 
Send me new credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: FL

Complaint narrative:
I was checking my credit history with Equifax, XXXX, and XXXX and I've noticed several inquiries that I did not do. Those inquiries are transactions that I do not authorize. 
These are the following transaction with Equifax. 

XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
XXXX XX/XX/2023 XXXX transaction of XXXX was transferred to a XXXX XXXX XXXX, I reported to the XXXX XXXX banking about this unauthorized transferred, they asked to submit a fraud claims which I did with asked info proving that this transaction was not of my doin, all information they asked I submitted ip address, locations, login dates address of where of my location on said date of the transaction and none matches the info which there whole cases is based on.After clearing all information on the basis of why my claim was denied they keep coming up with more reasons and requests for Info upon giving alll sufficient evidence they asked for XXXX proving there cases has no valid proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: WY

Complaint narrative:
American Express Credit Card : Filing a complaint due to their horrible customer service, which is based outside the United States. 

Paid my bill in full, was still charged interest of {$39.00} and also an extra fee that is unknown of for {$100.00} ( which customer service didn't have record of but it showed up in my online account 4 days after my bill was paid off and paid in full ). 

They claimed the {$39.00} was for a late fee payment, after my card was cancelled and account closed and after they received my payment in full of {$6000.00} I had called to confirm payment was sent on XX/XX/2023 from XXXX XXXX  ( they were issuing the check to American Express ) and even sent a screen shot to a Supervisor / XXXX at ( XXXX ) XXXX to show the payment was sent. Due to holiday closures and situations out of my control, they received the payment XX/XX/XXXX, and it was due XX/XX/XXXX, but proceeded, even with all my calls and notices and notifications, to charge me fees. They offered to settle on my account around {$4000.00} XXXX days prior to receiving my check on XX/XX/XXXX - but after I paid in full, the amount I owed of {$6000.00} ( didn't take the settlement with them ) they proceeded to charge this late fee. 

Their customer service is ineffective, they do not help, only argue and I have got to the point of wanting to seek legal council about it due to a feeling of being XXXX  by this credit card company. They send me two or more emails a week, they call, even when they knew I had paid the account in full. They offer me settlement deals on {$39.00}... it's just very ridiculous and the customer service doesn't speak well, because they are out of the country, and very argumentative and they just put you on hold for thirty minutes or more, then transfer you and nothing ever gets resolved with them. It's a game they play and they are ripping off the American consumer with unethical customer service. 

I do not want to be contacted by American Express again, I have expressed this, my account has been cancelled, closed, but yet I continuously get emails from them and additional charges. 

Please report this to them. I am also reporting this to any legal / consumer affairs organizations that I can find.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have never lived at XXXX XXXX XXXX XXXX, XXXX, IL XXXX, and it has come to my attention that Experian is XXXX including this address in my credit report. I would like to bring this matter to your attention and request that appropriate action be taken to rectify this situation promptly. As per the Fair Credit Reporting Act ( FCRA ) Section XXXX ( a ) ( XXXX ) ( C ), credit reporting agencies such as Experian are prohibited from reporting information that the consumer has informed them to be inaccurate. I have not resided at the address mentioned above, and it is imperative that Experian corrects this error immediately. I kindly request the Consumer Financial Protection Bureau 's intervention in ensuring that Experian complies with the FCRA and removes the inaccurate information from my credit report. This correction is essential to maintaining the accuracy and integrity of my credit history. Enclosed with this complaint, please find proof of my correct address, to assist in the resolution of this matter. I appreciate your attention to this issue and look forward to a swift and satisfactory resolution. Thank you for your prompt assistance in rectifying this matter. 

DO NOT RESPOND WITH ANOTHER XXXX WORD LIE!!! YOU PREVIOUSLY RESPONDED AND STATED THAT THE ISSUE WAS RESOLVED/REMOVED AND I HAVE PROOF THAT YOU DIDN'T!!! MY CURRENT CREDIT REPORT STILL HAS THE WRONG ADDRESS ON IT!!!

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 2024-01-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
in XXXX and XX/XX/2023, I made 2 payments to XXXX XXXX for {$2500.00} each from Bill pay. I inserted her routing number and account number to get her paid. I thought she was paid but she never received the payments. In fact, her payments went to a completely different bank and account number. This happened also to my payments to XXXX XXXX. Again a different account and bank than what I entered. 

I told Huntington about the problem and they cursory said it went were it was supposed to go when it did not. I want the money back now.

I again spoke to Huntington and they said that something was changed in the online bill pay in XXXX. I did not change anything so they froze my accounts without my knowledge or consent which wreaked havoc on my business. I want those funds returned immediatlely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
requested remove old addresses and false names but was no option for request the hard inquiry from sinchrony bank fraudulent practices when i pay trough the sams club app, they freezes the payment process on screen of the phone offering a 30 % discount if i fill 4 lines with my name, address and my date of birth, when i filled those 4 lines the screen worked properly, and when arrived to my home transunion notifyme that my credit score was decreased due a hard inquiry, i think thi is a fraudulent offer because they inserted an algorithm between the payment process when we are extremely concentrated in the amount of money and quantity of the product 's, iam requesting remove that unauthorized hard inquiries.

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 2024-01-10 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: Kikoff Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Kikoff Lending LLC for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report late payments on my closed and charged-off account. This action infringes upon my rights under the FCRA laws and demands immediate rectification to comply with legal standards. Kikoff Lending LLC ongoing reporting of late payments post-closure and charge-off of the account directly contravenes the FCRA laws, particularly Sections 623 and 605. Under Section 623, it is mandatory that the information reported by creditors to consumer reporting agencies is accurate, complete, and updated. The continuous reporting of late payments after the account closure violates these stipulations. Moreover, Section 605 requires accurate reporting of the account status, and the reporting of late payments on a closed and charged-off account is misleading and inaccurate. Furthermore, the issuance of a 1099-C form signifies that the debt was charged off and written off, thus releasing me from the obligation of repayment and making me tax liable for the discharged debt. Under the FCRA laws, this discharge of debt should be reflected in the credit report accurately. Kikoff Lending LLC reporting of an inaccurate balance post-charge off constitutes a violation of the FCRA, specifically Section 605. In light of the aforementioned violations, I demand that XXXX XXXXXXXX XXXX take immediate corrective actions in compliance with the FCRA. This includes : 1. Ceasing the reporting of inaccurate information on my credit report, specifically late payments on a closed and charged-off account. 2. Stopping the reporting of an amount owed that is no longer valid due to the charge-off and issuance of the 1099-C. 3. Either reporting an accurate { {$0.00} } balance or removing the accounts completely from my credit report in line with FCRA regulations. Failure to comply with these requests will compel me to escalate this matter to the appropriate regulatory authorities to ensure adherence to the FCRA laws. I expect a prompt response acknowledging receipt of this complaint and detailing the steps Kikoff Lending LLC will take to rectify the inaccuracies on my credit report. Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have been a customer of Capital One since they took over my ING Direct Savings Account ( Account No. XXXX opened in XXXX ), which was converted by Capital One into a 360 Savings account. I recently learned that back in XXXX, Capital One created a new product called 360 Performance Savings ; however, the only difference between the XXXX products is that the new 360 Performance Savings account pays a much higher APY. Capital One was intentional in excluding 360 Savings accountholders from this products marketing campaign. Due to their willful misconduct, I wasnt aware of this new product that would be much more beneficial to me. Such targeted marketing practices is heinous. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, this situation makes my skin crawl. I cant imagine that Capital Ones legal and compliance departments approved of this approach. Capital One has cheated me out of what I estimate to be thousands of dollars based on the fact that during the timeframe of XXXXtoday, Ive consistently held XXXX XXXXXXXX {$100000.00} in the account. Capital One doesnt even offer the 360 Savings Account anymore, but they intentionally kept the product open for existing customers so that Capital One didnt have to pay out the higher interest rates, resulting in quite the windfall for Capital One. I called Capital One on XX/XX/XXXX to complain and to request a credit to my account in an amount equal to what I would have been earning had Capital One in good faith marketed this product to its current customers. Capital One refused to credit me. They also explained to me that there was in fact one other difference between the two products apparently the 360 Savings account comes with an ATM card, which was a surprise to me, because Capital One never provided me with an ATM card. I immediately opened a high yield savings account with another financial institution and will be closing my Capital One 360 Savings account as soon as the funds have been transferred. I refuse to be a customer of companies with fraudulent business practices and who knowingly and brazenly take advantage of their customers. However, I do expect to be reimbursed for the thousands of dollars that Capital One in effect stole from me. I am asking the OCC and the CFPB as Capital Ones primary and secondary regulator, respectively, to investigate these blatant violations of federal consumer compliance laws and to direct Capital One to credit me. Thank you for your time and I look forward to a swift resolution and credit in an amount equal to what I would have been earning with a 360 Performance Savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: WA

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am the Authorized Agent for the name XXXX XXXX XXXX requesting this block for the name of my PERSON.

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 2024-01-10 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Financial Management Solutions, LLC
State: TX

Complaint narrative:
I have reached out to this company & requested proof of all documentation linking me to this collection account. I have also requested FMS FINANCIAL agreement stating they work IN HOUSE for the original creditor XXXX XXXX and NOT a third-party debt collection company that bought the debt with the Name, and time of Verification. Per request, this company added an inquiry on my consumer report which also violated 15 USC 1681b ( Permissible Purpose ) which states No inquiries should be reported that IS NOT attached to an open account. This account federally violates numerous CFR & USC and I demand it be removed immediately. 

This company also unlawfully served a summons for court to an address I have not been associated with since XXXX grade in high school. I requested the third-party company who DID NOT do the work to ensure I was associated with this address or anyone living at this address. FMS FINANCIAL SOLUTIONS continued with the court hearing without my knowledge. They WON OCT. XXXX. The only reason I was made aware of this is because they violated me as well as The Privacy Act of XXXX and put this on my credit. A debt I never received the knowledge of me needing to discharge {$20000.00}

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 explanation
Consumer complaint received 2024-01-10 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: LEXISNEXIS
State: NC

Complaint narrative:
I sent a cease and desist letter to lexis nexis but they continue to report this information to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: MoneyLion Inc.
State: PA

Complaint narrative:
XX/XX/XXXX I logged into my moneylion account to find that I had a XXXX balance which was XXXX  seeing as I didn't have a debit card the only info I receive is via the app or email. I contacted supporting filed XXXX disputes for fraudulent charges, was never offered a temporary provison/credit. 

XXXX after speaking with a tax specialist who's former position was in banking fraud/prevention for roughly 30 years I was told I should have been offered the provisional credit to call back which I did. I told the representative that I received no correspondence to the disputes and was never sent an email of confirmation. She replied that it had been sent to the email XXXX, this email was compromised and I did not have access to it which was explained during the initial dispute and I didn't t understand why with fraudulent charges on the account they would send follow up emails to the same email when a secure one was provided. The total amount of the charges were over XXXX dollars I then tried to change the email over the phone following their procedure when the representative said the photo was XXXX  and disconnected the call, XXXX  I woke up to all the disputes closed and not approved which to me hasn't sat right. After some consultation and trying to get in touch with the company only to be hung up on. I then went on the FTC website and filed a complaint with them Referrance # XXXX I then came here to file a complaint as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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:
I have submitted several disputes to Experian regarding fraudulent activity on my credit report. 

Despite providing substantial evidence to support my claims, I am concerned that the investigations have not been thorough or effective. This has resulted in unresolved discrepancies on my credit report that could negatively impact my financial well-being. 

I would like to request your assistance in ensuring that Experian conducts a comprehensive and diligent investigation into my fraud claims. I believe that my efforts to rectify this situation have not yielded the desired results, and I am hopeful that your intervention will help in bringing a resolution to this matter. 

Enclosed with this letter, please find copies of the supporting documentation and dispute communications with Experian. I believe these materials will provide insight into the ongoing issues and help expedite a fair and accurate resolution.

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 2024-01-10 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
I was contacted through email by Transworld Systems Inc about an alleged owed debt amounting to {$110.00} with a specific account number on XX/XX/2023. I responded to the alleged debt by disputing the obligation of payment by me and requested a debt verification letter. To which there was no response in within XXXX days. 
I have recently received correspondence dated XX/XX/2023 and received it XX/XX/2023. There was an attempt to verify the {$110.00} account along side a added {$210.00} debt both associated with a different account from the first interaction. I contend that Transworld Systems XXXX has violated 15 USC 1692 H, J, F ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-10 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: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I was in the process of trying to buy a home for me and my XXXX  due to her father being XXXX  for a long time and us needing a fresh start, when I realized I had damages on my report. THIS is a Violation of the FCRA and is also in Violation of requisite XXXX XXXX Compliance reporting standards. According to the Fair Credit Reporting act, I have the right to a fair and accurate credit report, therefore any information that is not true, accurate, or verifiable is required 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 explanation