vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KY

Complaint narrative:
I opened a USAA XXXX card in XXXX. This card offered a promotion with 0 % interest on balance transfers until XX/XX/XXXX. I transferred a balance from a card with a high interest rate and paid the balance on the USAA XXXX a little at a time. When the promotional period ended, I still had a balance. I was charged interest on this balance on XX/XX/XXXX and XX/XX/XXXX. No problem. I was aware this would happen if I didn't get the balance paid by the time the promotional period ended. 

On XX/XX/XXXX I paid off the entire balance. This was the balance that was listed as the " Pay in Full '' online PER USAA. However, on XX/XX/XXXX I was charged interest. This makes no sense. As of XX/XX/XXXX the entire balance was paidthe balance that USAA listed as being the full balance owed. 

I attempted to contact USAA to try to resolve the issue and have the interest charge reversed. What I was told was that the interest charge was " a fee that USAA charges for cash advances. '' I was also told how important it is to " pay my payments on time. '' I did pay it on time. What does that even have to do with it? It wasn't a late fee. It was an interest charge. AgainI paid off the entire card based on the balance USAA was showing. If they failed to include this interest charge on the what THEY were showing as the total amount owed, that's on them, not me. How is it possible, or even legal, to charge someone interest after the card has already been paid off?

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-25 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information 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 block this 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 2024-05-26 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: CA

Complaint narrative:
I was given a gift card with AMEX purchased from the XXXX store. I tried using the funds on XXXX and it declined my purchase. I contacted AMEX customer service and they offered no resolution to this. I would like to have the money refunded with a reimbursement for my inconvenience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully watch my credit report. I received updates by email and came across these inquires that do not belong to me. I have not applied for any accounts and not sure WHY these accounts are on my consumer report. Send me any documents with my signature on it stating Ive allowed these accounts to report on my consumer report. Please update and remove. 

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 explanation
Consumer complaint received 2024-05-25 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 non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I contacted the credit bureaus on XX/XX/2024 to notify them that items on my credit report were wrong. I asked them to investigate and to correct it and send me the results and I have not heard back from them and nothing has been fixed on my reports. I am aware that they have 30 days to conduct an investigation and they failed to do so. It has now been 61 days with no response from them.

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 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I contacted the credit bureaus on XX/XX/2024 to notify them that items on my credit report were wrong. I asked them to investigate and to correct it and send me the results and I have not heard back from them and nothing has been fixed on my reports. I am aware that they have 30 days to conduct an investigation and they failed to do so. It has now been 61 days with no response from them.

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 2024-05-25 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: IN

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information 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 block this 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 non-monetary relief
Consumer complaint received 2024-05-25 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 am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information 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 block this information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: MS

Complaint narrative:
I hereby write this email with a potent heap of frustration and an unwavering demand for corrective action pertaining to a gross violation involving XXXX XXXX on my credit report. 

With the utmost respect to your esteemed establishment, it is worth stating right off the bat that your lack of due diligence in cross-checking the reported data is nothing short of alarming. The mere inclusion of XXXX XXXX  in my report not only goes against my rights as a consumer, but is in clear violation of 15 USC 1681. Let 's not try to sugar coat this mess as it is glaringly obvious - XXXX XXXX  is a XXXX scam, a deplorable scheme dismissed by virtuous people and manned by a bunch of fraudulent jokers. 

The facts are straightforward. Last year, I turned in my vehicle and walked away from my contentious relationship with XXXX. Wrapped up my lease and paid a joyously beautiful amount of exactly nothing, {$0.00}, as my outstanding balance. The petered out spirit of investigation on your part, as well as the audacity of XXXX allowing this erroneous reporting, is a clear violation of my rights. They've had the gall to persistently misreport to the credit bureau, despite flaunting that lovely {$0.00} balance statement right in my face. 

To add fuel to already blazing fire - I'm quite sure you have knowledge of this - in XXXX  a class-action lawsuit was proposed against the dual evil entities of XXXX XXXX XXXX XXXX XXXX and the notorious XXXX XXXX XXXX XXXX XXXX The allegation was a hard-hitting one - they were violating the Fair Credit Reporting Act ( FCRA ) by shamelessly exhibiting their ineptitude in conducting proper investigations and demonstrating reckless abandon when recording disputed credit account information. 

It is sheer lunacy that we're still ruminating over this issue. XXXX is continuing to blatantly avoid investigating the items they're flippantly reporting to individuals ' personal credit. This reckless behavior is beyond scandalous, it's a crime and simultaneously a prime example of a company laughing at the tenets that govern it. 

I humbly demand although my patience grows incredibly thin that you carry out a thorough and reputable examination of this unjustifiable entry on my credit report. Your swift rectification of this grievous situation would be much appreciated. 

I look forward to seeing less of your procedural inefficiency and more of a restoration of your supposed reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from 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 2024-05-25 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:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: TX

Complaint narrative:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of 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 explanation
Consumer complaint received 2024-05-25 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: FC HoldCo LLC
State: CA

Complaint narrative:
This inquiry is not from me, I would like to see my signature on whatever application they have because I can assure you it was not from me.

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 2024-05-25 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: TX

Complaint narrative:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

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 2024-05-25 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:
After examining my credit report, I'm troubled to find a late payment notation despite having no history of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
While CFPB recently limited credit card late fees to actual costs incurred for issuers with more than XXXX XXXX accounts, I just received a notice dated XX/XX/2024, from Comenity Capital Bank, stating that the Late Payment Fee has increased and is now 'up to {$41.00} '. The statement goes on to state that the first late fee is now {$30.00}, then every one thereafter is {$41.00} if the account has been assessed a late fee in the previous six months. 

This statement is for my Dell Pay Credit Card Account. Comenity may not have one million Dell accounts, but they also issue dozens of other store cards. I also have a XXXX card issued by Comenity. When all of their store accounts are taken together, I suspect they may have well over XXXX XXXX credit card accounts. If this is the case, I am concerned that they are overcharging for late fees. 

I have not been assessed a late fee after the XXXX rule change. I have been assessed one late fee in the history of this account, in XX/XX/2024, when I missed my payment by one day, and was subsequently charged {$21.00}. This late payment was only due to forgetfulness and occurred over a weekend, when my payment was due, and payment was completed by Monday, the beginning of the work week. Even had I submitted my payment on time, Comenity would not have withdrawn funds from my bank any earlier than they did. As such, I can not account for any cost to them for my lateness, and if the same situation were to occur again, I would suffer even higher penalties. 

Can you clarify first whether Comenity 's various store accounts are counted together when determining whether the new late fee rule applies to them? Then please address my remaining pertinent concerns? Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account as it does not faithfully depict my payment history. I have consistently made timely payments, and it is unjust to be marked with this inaccurate entry. I urge you to promptly update my account.

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 2024-05-25 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: IL

Complaint narrative:
I DONT HAVE PUBLIC RECORDS ON MY REPORT, PLEASE AND I'M BEGGING YOU TO DELETE THIS INACCURATE DETAILS ON MY REPORT ASAP, THIS GIVING ME XXXX AND I WON'T ALOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 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: LA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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 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 XXXXXX/XX/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 2024-05-25 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: CCS Financial Services, Inc.
State: CO

Complaint narrative:
I did not elect to have car insurance with XXXX XXXX XXXX. The agent is XXXX XXXX. 
I am getting a bill for {$200.00}. 
I have contacted the agent to remove this bill and to fix the negative information being supplied to the credit company. 
Previous All State Account number is XXXX XXXX XXXX. 
I filed, today, with XXXX, a complaint against the agent and agency since I am still being billed for a policy I did not elect to have and now have been sent to a collection agency. 
Please help me resolve this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hello ser, Thanks for the consideration and time, the company is paypal.. Paypal placed my hard earned money on temporary hold even after giving them and providing them with all the necessary documents required.. Am trying to provode for my XXXX XXXX XXXX family, and i can't do that with paypal obviously trying to scam me, and take my hard earned money. My paypal email is XXXX and amount being placed on hold is XXXX $ that i worked hard to get.. Please do something about it, please

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-25 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: MI

Complaint narrative:
On XX/XX/XXXX I mailed a request to XXXX XXXX XXXX XXXX requesting information regarding this account. I never got a response. So on XX/XX/year> I submitted a complaint against XXXX XXXX XXXX XXXX stating that I am not liable for this debt with XXXX. I do not have a contract with XXXX XXXX they did not provide me with the original contract as I requested. I have requested the original contract twice and it was NOT provided to me. They removed the account but then somehow sold it between the XXXX of XXXX to a new company Named XXXX XXXX XXXX XXXX I do not have a contract with XXXX XXXX XXXX, I am not liable for this debt with XXXX they did not provide me with the original contract as I requested. I asked that these accounts be removed. I sent attachments below

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 2024-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company response to consumer: Closed with non-monetary relief