vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-30 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: NY

Complaint narrative:
I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there is a instance of a late payment reported on an account with which I have consistently maintained a flawless payment history. 

Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that the information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on payments for the account with identifier [ XXXX XXXX XXXX, Account Number : XXXX ]. 

I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " Paid on time ''. 

Also there have been inaccurate and inconsistencies being reported from XXXX XXXX XXXX, that reflect different results on my consumer report. Please investigate. 

Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously with the utmost attention to accuracy. 

attached is my identification to ensure my identity

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 2024-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kingston Data & Credit International Inc.
State: PA

Complaint narrative:
On XX/XX/year> I, XXXX XXXX signed up for a month to month membership with XXXX XXXX. Because at the time I was working a temporary assignment less than five minutes from the gym. The gym was nowhere near where I live. so before signing up for the membership, I asked them what was their cancellation policy. They said that I can cancel the membership anytime within the first 30 days and also suggested that I sign up for their month to month membership. So that way if I was no longer working in the area, I can also cancel the membership. Unfortunately I was laid off. I informed them that I was no longer working in the area and I had to cancel my membership ( which hasnt hit 30 days ) I was told to come in to sign a cancellation form. I let them know because of circumstances at the time I couldnt make it up there and I was no longer working in the area. I asked could I sign it via email or fax. They said they couldnt accept email or fax and that I could mail a letter request to cancel my membership. I mailed them a letter stating that I, XXXX XXXX was canceling my membership within the first 30 days because I was no longer working in the area. I let them know I mailed out the cancellation request but they continue to withdraw payments. I then called the third-party company that was charging my debit card to inform them that I do not give consent to them to charge my card because I canceled my membership within the first 30 days. They stopped charging my card but continue to charge me biweekly for the membership and started calling me repeatedly to collect payments. They also threatened to send this to collections and that this will go on my credit report. Now I have Kingston Data and XXXX representing XXXX XXXX flagging my collections for {$300.00}. On my credit report. This has dramatically affected my credit scores. I attempted to solve this financial burden in every way possible, but have not been treated fairly by these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I had a total loss with a vehicle financed through TD Bank ( XXXX XXXX XXXX ). I was out of work for a month due to the injuries. By the time, I was managing the proper claim process with my insurance company. On XX/XX/XXXX TD Bank received a payment from my insurance company for over $ XXXX. The next statement that I received said that my monthly payment was {$0.00} and showing my next payment due was XX/XX/XXXX. 

I had several calls and one of the staff confirmed that the payment was posted incorrectly and send me to start a dispute with the credit agencies. I was frustrated on how they didnt assume any responsibility for their mistake. TD Bank has reported to the credit 30 and 60 days late payments for apparently a balance of {$170.00}, when their statement provided a whole different information. 

I requested also copy of the statements and a payment history and wasnt provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: NY

Complaint narrative:
I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there is a instance of a late payment reported on an account with which I have consistently maintained a flawless payment history. 

Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that the information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on payments for the account with identifier [ XXXX XXXX XXXX  Account Number : XXXX ]. 

I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " Paid on time ''. 

Also there have been inaccurate and inconsistencies being reported from XXXX XXXX XXXX, that reflect different results on my consumer report. Please investigate. 

Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously with the utmost attention to accuracy. 

attached is my identification to ensure my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to bring to your attention an issue I have discovered upon reviewing my consumer reports. Upon careful examination, I noticed that there is a instance of a late payment reported on an account with which I have consistently maintained a flawless payment history. 

Consumer reporting agencies play a crucial role in accurately reporting consumer information, and it is imperative that the information is conveyed with utmost precision. I have always upheld my financial responsibilities diligently and have never been late on payments for the account with identifier [ XXXX XXXX XXXX, Account Number : XXXX ]. 

I am formally requesting a thorough investigation into these reported late payments. I kindly ask that you provide concrete evidence, such as statements, indicating the alleged late payments. If sufficient proof can not be provided to substantiate these claims, I insist that these payments be promptly updated to reflect their accurate status as " Paid on time ''. 

Also there have been inaccurate and inconsistencies being reported from XXXX XXXX XXXX, that reflect different results on my consumer report. Please investigate. 

Maintaining an accurate credit report is essential for individuals to access fair financial opportunities, and it is my expectation that this matter will be resolved expeditiously with the utmost attention to accuracy. 

attached is my identification to ensure my identity

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 2024-03-30 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: MS

Complaint narrative:
These inquiries were unauthorized and i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I received an Amex Gift Card as a gift. I confirmed the balance of {$300.00} using the AmexGiftCard.com/Balance website, which showed an available balance of {$300.00}. I attempted to use the card on XXXX for exactly the face value of the card. I received an email stating the transaction was declined. XXXX requested re-entry of the card numbers, which I provided, and it was again declined. A third time, re-entered the card details, and declined again. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 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: MA

Complaint narrative:
There are unauthorized inquiries on my report that needs to be removed. In accordance with the Fair Credit Reporting Act these unverified and unauthorized inquiries must be removed ; XXXX XXXX, XXXX XXXX XXXX and XXXX  were not authorized at all by myself being the consumer.

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 2024-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SOUTHSTATE BANK CORPORATION
State: FL

Complaint narrative:
I have been trying to make extra principle only payments to my boat loan at south state bank. They have been taking interest from these payments and Ive contacted them to resolve it but they tell me its a third party website and they dont know why it didnt go to only principle. 
Then my regular monthly payments now go only to interest!?! I called again this morning and they couldnt tell me why this is happening. I lost XXXX this month alone due to this and they cant tell me why?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: MA

Complaint narrative:
There are unauthorized inquiries on my report that needs to be removed. I have contacted the credit reporting agency via mail and they have not removed these hard inquiries causing damages to my credit. In accordance with the Fair Credit Reporting Act these unverified and unauthorized inquiries must be removed ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, U.S Department of Education XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have been given 2 American Express virtual gift cards. The first one I received on XX/XX/2024 for the amount of {$200.00} was giving me problems, I couldnt add it to my XXXX XXXX  or use it online with any store. I was finally able to use it to buy movie tickets and my balance was then {$160.00}. After that I was still unable to use it anywhere else so I contacted their customer service and kept getting the same response. The card is active and working, you can add it to XXXX XXXX or use it online. They would not tell me why my card wouldnt work, I kept trying and it kept declining. I spoke with about 5 or more agents that day, and kept giving the info on the card. I go to check my virtual card and try again, theres a fraudulent charge on my gift card from XXXXXXXX XXXX XXXX XXXX. The only other people that have access to this card is the customer service agents from American Express. I contacted customer service again, and made a complaint that one of their agents committed fraud and used my card, made it even worse because I couldnt seem to get it to work but they could and used my money. They told me they would look into it but I havent received an update yet. I called they said theyre still working on it. I received another {$100.00} gift card on XX/XX/XXXX since my previous one wasnt working. I am again having the same problems. Contacted customer service again against my better judgement. I was again given the runaround. This agent told me that my previous case was still being handled, and that this card should work, but its not. I then asked why myself and so many others are having these issues and the agent couldnt give me an answer. She then offered to refund me in the form of a check for my {$100.00} gift card but couldnt for the other since the case was still processing. I agreed, she then placed me on a hold and came back saying that she wasnt able to do the refund by check because it wasnt purchased directly from them. I informed the agent that I would be making a complaint to the CFPB about both my cards and all of the calls Ive made. Im done dealing with this company and their poor service. I dont see how this service has been allowed to continue. Ive done research and seen where there are hundred of other people that have the same experience Ive had dealing with these Americans Express cards, both physical and virtual.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was victimized by a wire transfer fraud on XX/XX/year> for the amount of XXXX. I received a text message that appeared to be a Chase mobile alert from my bank and I responded " No '' to the transaction which led to a phone call stating they were calling from Chase Bank and needed to verify my account and debit card information because someone was trying to do a wire transfer. I immediately felt the fear of losing my money and fell for the fake caller verifying all my information. 

the wire transfer went to XXXX XXXX XXXXXXXX, account number ending # XXXXXXXX XXXX XXXX XXXX XXXXXXXX. The company name shown under that transaction read XXXX. 

Chase provided me with the following : Track wire : XXXX Chase Case # XXXX Chase Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
-TransUnion Remove and delete Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30 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: FL

Complaint narrative:
XXXX Remove and delete Address XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX AV XXXX XXXX FL XXXX Inquiry XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX -Equifax Remove Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -Experian Remove Address XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Delete Inquiry XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-03-30 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: SC

Complaint narrative:
Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.

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 2024-03-30 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: SC

Complaint narrative:
Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 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: SC

Complaint narrative:
Under the FTC, and privacy act I have to a right to opt out of creditworthiness or other personal characteristics that is being shared. If any company shares credit score or details about a purchase. I have a right to say no about sharing. This is a defamation to my character.

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 2024-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: GA

Complaint narrative:
I was trying to send money to my own account to the XXXX XXXX and they cancelled the transfer with no apparent reason ; not only that they gave me the option to try again only to block me with no warning, clear reason, discussion of what was going on, chance to defend myself or clarify what is going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 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: IN

Complaint narrative:
To begin with, XXXX and TransUnion is still giving me a hard time in regards to them not allowing for me to dispute my average credit score at all. Last year I tried to dispute my Average Credit Score with XXXX and TransUnion without the desired results. Despite the fact that I have a debt free credit report, XXXX and TransUnion is still punishing me for it by keeping my score Average and not bumping it up to Excellent. Overall, they need to allow for average and bad credit scores to be disputed and to allow for everyone to communicate with them more easily.

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