vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NC

Complaint narrative:
Equifax is reporting in accurate information on my consumer report. I submitted a request to have several inaccurate accounts deleted From my consumer report. 1. XXXX  is showing a charge-off but showing a balance due. 2. XXXX  XXXX is showing as a charge off and closed account and it is past the law required reporting date. 3.XXXX XXXX XXXX  is showing closed and is past the required reporting date. 4. XXXX XXXX XXXX XXXX is showing closed and as a charge-off also showing a balance due. 5. XXXX XXXX  is showing two late payments. They then sent notice back stating the account information has been verified, I requested them to provide me with the information regarding this and they Never submitted it to me. Reporting inaccurate information on my credit report is defamation of character and a violation of 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. request a thorough investigation into these inaccuracies 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate late payments, charge off accounts, etc do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the information associated with my credit report. remove the inaccurate accounts. and provide me with a free copy of my updated credit report Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I am writing to file a formal complaint against American Express regarding a grievous error in handling a significant payment of {$45000.00}. Despite fulfilling my financial obligations promptly, American Express erroneously reported the payment as missing and subsequently subjected me to unjustified actions, including reporting to collections agencies. This egregious mishap has caused substantial distress and inconvenience to me and my financial standing. 

On XX/XX/24, I made a payment of {$45000.00} to American Express via check by Mail and was CASHED by American Express, adhering strictly to the agreed-upon terms and payment procedures. However, to my utter dismay, American Express failed to acknowledge receipt of the payment and, inexplicably, proceeded to label it as missing. Despite numerous attempts to rectify this error through communication channels provided by American Express, my concerns were blatantly disregarded, exacerbating the situation. 

The repercussions of American Express 's negligent actions have been severe. The false reporting of a missing payment has tarnished my credit history and caused unwarranted stress. Moreover, the engagement of collections agencies due to this erroneous reporting has inflicted further harm to my financial well-being and reputation. 

This incident not only reflects a flagrant disregard for customer care and accountability on the part of American Express but also demonstrates a systemic failure in their payment processing mechanisms. Such blatant mishandling of payments and misinformation dissemination can not be tolerated in any capacity, especially by an institution of American Express 's stature. 

Should American Express fail to address this matter satisfactorily and expeditiously, I will be left with no choice but to explore all available legal avenues to seek restitution and uphold my rights as a consumer. 

I trust that the Consumer Financial Protection Bureau will investigate this complaint thoroughly and ensure that appropriate actions are taken to rectify the injustices perpetrated by American Express. 

Thank you for your attention to this matter. I look forward to a swift resolution and your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

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 2024-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have discovered inaccurate accounts that were not caused by any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: Consumer Portfolio Services, Inc.
State: AL

Complaint narrative:
Letter sent XX/XX/year> for no permissible purpose for the below CPS/MAIL XX/XX/year> XXXX CPS XX/XX/year> XXXX This company is stating that I did not provide info they could use to identify me, and i did. If they have no record of me, then they should not be reporting in the first place. They asked me for an account XXXX, i have no account with their company. This is identity theft. They have no permissible purpose to report any info on my to a credit reporting agency

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capio Partners, LLC
State: NC

Complaint narrative:
I was seen a XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX NC. A two hour XXXX  visit cost {$19000.00}. My husband had paid some on the bill until i received a print out for the bill and there were four bags of XXXX XXXX. The charge was {$250.00} per bag. I only received one bag. This is over charging and falsifying charges. I am an XXXX  and was even working there as a XXXX XXXX. ( 4 bags ) is equal to XXXX XXXX. This amount would cover a four day in XXXX XXXX. This is falsifying charges. This is a for profit facility. I have spoken with them repeatedly. The balance is down to {$330.00}. This is an over charge of {$750.00} dollar for XXXX XXXX  not received. I was there for only two hours back in a room. I was there for about four hours. This much XXXX XXXX would cause a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am still disagreeing with the charges from XXXX XXXX XXXX. Now they still refuse to correct their mistake or refund us the over-payment and have forwarded the final balance of {$330.00}, which I do not owe to a new collection agency named Capio Partner located in XXXX Texas for account # XXXX for a date of service XXXX have disputed this amount with XXXX XXXX XXXX and the FTC . I do not owe this amount. I should be getting a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: MD

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
Unauthorized inquiries appear 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 non-monetary relief
Consumer complaint received 2024-04-29 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: TX

Complaint narrative:
Unauthorized inquiries appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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 agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Carter-Young, Inc.
State: FL

Complaint narrative:
My son was a student at XXXX  XXXX XXXX  until XX/XX/2023 and rented an apartment there with 3 other roommates at the XXXX at XXXX, a student complex building. We have consistently upheld punctual rent payments throughout the duration of my tenancy. 
On XX/XX/2023 the entire complex building was sold to another company, and they consequently changed their payment portal and IT system. With the portal migration they started to have several issues to collect payment, same happened to many of us when we tried to pay the XXXX rent before it was due. 

The transition to the new portal resulted in technical difficulties that prevented us from making the XXXX rent payment on time. The interactions with XXXX staff on duty confirmed the widespread issues with the new portal, as other acquaintances encountered similar challenges. 
Upon recommendation by the XXXX staff, we endeavored to use the XXXX option to submit the outstanding payment. However, I encountered an obstacle when I went to a XXXX physical local to pay as the system indicated that the XXXX account was inactive and hence incapable of receiving payments. 
Subsequent to this, we were advised to remit a check, without specification as to the necessity of it being certified. Regrettably, we dispatched a personal check which was subsequently returned to me uncashed. 
Upon seeking further clarity from the XXXX staff, we were informed that a certified check was required. In response, we promptly sent a certified check for both XXXX and XXXX rents on XX/XX/XXXX. The certified checks were inexplicably returned to us, devoid of any accompanying explanation. Consequently, I incurred a total mailing cost of {$30.00}, an outcome directly influenced by the guidance provided by the XXXX staff. 
Seeking explanation to why my check was returned again, they informed me that the reason was due to late fees that were charged and due on my rental account throughout this entire time since the portal migration, and they didn't want to accept to acknowledge that their portal issue and miscommunication from their staff had prevented us to pay on time. Due to the late fees they refused to accept my cashier check payment that didn't include them as I considered an unfair charge. 
Debt ended up in the collection process and affected both my son and my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: VA

Complaint narrative:
This loan was for approximately {$70.00}. I purchased a product off of XXXX, and they offered the option to pay in 3 installments through Affirm. 
When the first payment was due, I tried to do an electronic withdraw from my checking account. Mind you, this is the same checking account that I use for all purchases ( including XXXX ) I was attempting to just pay off the full amount. I received an email from them indicating that the payment failed- I verified and tried this several times- each time the payment failed. 
I then tried to do a payment from my savings account- same result- payment failed- There are ample funds in both of these accounts, and I called the bank, they confimed that Affirm has never tried to any withdraw for payment from either my checking or savings account, and that there is no reason for payment failure. ie : I provided the correct account number, routing number and there are enough funds to cover the amount. 
Having spent way too much time on the phone with their customer service, I decided to do it the old fashioned way, and write them a check and mail it. I wrote and mailed check # XXXX in the full amount due of {$69.00} on XX/XX/24. They deposited the check on XX/XX/24, and it cleared my bank on XX/XX/24. They continue say I have not paid this, and when I call customer service they are of no help. 
I have an excellent credit score, and I will be livid if this ruins that. I do not know if they are a scam, extremely disorganized or just clueless, but they have been paid their money. I would be happy to provide them with a copy of the cancelled check- but all they say when I call their Customer Service- is that they do not have my payment and to call back in 10 days. They should be able to see how many times I have called to get this straight- if I didn't intend to pay this, why would I continue to contact them trying to get this resolved? My time and energy wasted on this matter is worth 10 times the {$70.00}. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 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: NY

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 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 an 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 2024-04-29 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: KY

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE this fraudulent information 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 explanation
Consumer complaint received 2024-04-29 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:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late 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 non-monetary relief
Consumer complaint received 2024-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
SOURCE RECEIVABLES MNG is about the XXXX collection " company '' that has tried to collect this debt that does not exist. I never had a XXXX account or XXXX phone. There are no records of any phone number being assigned to an account or any call record because I never had a phone with XXXX I have explained this directly to XXXX  and to the collection agencies. During COVID I called about a deal XXXX had, thought I'd try it and paid the initial {$60.00} some odd they asked for and immediately thereafter called and canceled the order. I have a the statement that shows that XXXX PAID ME BACK the {$60.00} some odd dollars. This is just XXXX company that likes to harass people giving up and selling the debt to another company, and the next company selling it to another company. I NEVER HAD A XXXX  ACCOUNT. These relentless collection agencies are dangerous. When the truth can be proven, and they continue to ignore the true FACTS, they are deceiving the public and messing up hard earned credit reports. Thank XXXX I have XXXX who had already closed this out after the last company that bought the debt could prove nothing. I have the proof. They are desperate XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: DISCOVER BANK
State: PA

Complaint narrative:
A check was deposited in my savings account on XX/XX/year>. This check was in XXXX. The bank used the wrong exchange rate. On XX/XX/year> I was told that the exchange rate should be as of XX/XX/year>. I accepted that, but still the bank won't adjust the rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am writing to bring to your attention an error that occurred with my Amazon Store Card account, which has adversely affected my credit score. I believe that this error was the result of a mistake made by Synchrony Bank, the issuer of my Amazon Store Card. 

On2024, I discovered that my Amazon Store Card account had been charged incorrectly, resulting in a decrease of XXXX points in my credit score. The wrong balance and there were many missed payments on my account because of it.vUpon realizing this discrepancy, I promptly contacted Synchrony Bank 's customer service department to rectify the issue. After discussing the matter with their representative, it was acknowledged that an error had indeed occurred, and I was provided with an apology letter from Synchrony Bank. 

Despite the correction of the error by Synchrony Bank and the issuance of an apology letter, my credit score has yet to be restored to its previous level. The incorrect charge amounted to {$180.00}, and while I appreciate Synchrony Bank 's efforts to address the mistake, the impact on my credit score remains unresolved. 

As a responsible consumer, I strive to maintain a good credit history and ensure the accuracy of my credit report. Therefore, I kindly request that you investigate this matter further and take the necessary steps to increase my credit score to reflect the correction made by Synchrony Bank. 

Enclosed with this letter are copies of the apology letter provided by Synchrony Bank, as well as any other relevant documentation pertaining to this issue. I trust that you will give this matter your prompt attention and provide me with a timely resolution. 

Thank you for your assistance in this matter. I look forward to your response.

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 2024-04-29 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: PA

Complaint narrative:
I recently reviewed again my TransUnion credit report and it still shows unverified and fraudulent information that clearly violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681n. You violated the 15 USC 1681n for reporting false information and without a permissible purposes.

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