vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: NY

Complaint narrative:
I received 2 American Express gift cards ( one for {$100.00}, one for {$50.00} ) from my company for XXXX and XXXX in XXXX. I held on to them to spend as personal gifts later. Normally, I add gift cards to my XXXX account in the Wallet section and use them that way. Surprisingly, it didn't work. I also tried that with a XXXX gift card which also didn't work. I was trying to purchase items from XXXX of the XXXX. I added roughly under {$100.00} to my cart and tried checking out with JUST the AmeX gift card which declined, I then tried lowering the amount which also declined. I then tried purchasing with the XXXX gift card which did go through thankfully. I tried setting up the AmeX cards multiple different times all which failed. I researched online via XXXX, XXXX website, AmeX website, and general forum searches that all mentioned AmeX gift cards NOT working at common retailers or for online purchases. How am I supposed to get this money? It's a total of {$150.00}, I don't want to just have these cards to look at, I want to use them. 
To specify further, these were purchased by my company as gifts for the employees. I used them in prior years just fine and was able to link them to XXXX as well. I don't know what's going on with AmeX but they need to get their act together.

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 — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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

Complaint narrative:
I think FCRA 605B requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts are inaccurate, and it's making me feel uneasy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I bought a house with a BMO mortgage and they said they would offer an interest rate discount if I opened a checking account with BMO as well. So I opened the checking account and realized its technically XXXX checking accounts. After I opened the accounts I discovered that my mortgage interest rate was not lowered as they had promised. Also, I did not realize that XXXX of the checking accounts resembles a savings account and charges a {$15.00} fee for each transaction that exceeds XXXX transactions per month. In XXXX and XXXX I accrued XXXX charges of {$15.00} each, and I did not realize this until XX/XX/XXXX. Had I know about this condition, I would have handled the transactions differently to avoid the fees. I have since asked several telephone customer service representatives and the branch XXXX who have helped waive XXXX of those charges but now after additional attempts to waive the charges, BMO refuses to waive any additional charges, even though they recognize that this is a misleading and confusing tactic. They even documented in my account that I did not know about that term and condition of the account and therefore deserved to have it waived. The remaining XXXX charges remain on my account, for a total of {$250.00} in junk fees over the course of XXXX months.

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 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: KS

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
Credit Collect Services , Inc. on my credit report. I am formally requesting debt validation under 12 1006.34 ( b ) ( 5 ). Despite this request, Credit Collect Services , Inc. Proceeded to place this collection on my credit report without providing me with the opportunity to dispute the account as stipulated by 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). 
Furthermore, I am requesting the purchase agreement between the original creditor and Credit Collect Services , Inc the original creditor to verify the legitimacy of their claim. It is essential for me to review this agreement to understand the basis upon which Credit Collection Services is attention Credit Collect Services, is attempting to collect a debt.

In addition to the purchase agreement, I am also requesting proof that Credit Collection Services is licensed and bonded. It is crucial to ensure that they are operating within the bounds of the law and possess the necessary credentials to engage in debt collection activities.

Moreover, I assert that Credit Collect Services , Inc. is violation of my consumer rights by utilizing false and misleading information in their collection efforts. The collection agency lacks authority to furnish any account to a consumer reporting agency without providing the necessary disclosures mandated by law. This action is in direct violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2 ( 7 ) ( A ).

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action to ensure that Credit Collect Services , Inc. lies with all relevant regulations and statutes governing debt collection practices. Additionally, I request that the collection account be removed from my credit report until such time as it has been properly validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
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: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit reports.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/year> Hello, I am writing this letter to contest the so-called resolution to my Equifax dispute report confirmation number XXXX. I will prove that Equifax is grossly incompetent and worthy of censure and stringent financial penalties to be imposed by the CFPB and other federal regulators. Per the following documentation from todays XXXX Equifax report ( see attachments ), Equifax claims that I have XXXX XXXX XXXX federal student loan balances with a combined outstanding balance of {$33000.00}. However, I have already provided documentation ( including the XXXX XXXX Account XXXX XXXX used to validate my mortgage loan lending eligibility ) which clearly indicates that my total outstanding federal student loan balance at this time is ~ {$18000.00} across XXXX individual loan balances. Therefore, I require the third ( duplicative ) loan balance to be immediately remediated since it is grossly inflating my indebtedness and has thus been negatively impacting my consumer credit score. 

I also need to note for the record that there was a previous Equifax CFPB complaint ID XXXX for this same issue, tied to EdFinancial CFPB complaint ID XXXX. The original XXXX case remains active and is being worked, as is a related complaint with XXXX. XXXX good faith therefore stands in stark contrast to competitor Equifax who has twice now closed this complaint ( once with XXXX, and a second time with my confirmation number XXXX which I opened by phone following the initial case closure without a satisfactory resolution ). I will file this third complaint again and again, as many times as necessary until Equifax is held accountable for their misdeeds and takes ownership of correcting this erroneous data. Otherwise, they should be removed from the consumer credit reporting business altogether, with prejudice. I am also asking for monetary compensation from Equifax for their ongoing gross incompetence and lack of commitment to service excellence.

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: MA

Complaint narrative:
( Note : I filed earlier but didn't have the company legal names at the time. I'm hoping that by providing them now will make them easier to locate ) I have the XXXX XXXX XXXX Credit Card administered by XXXX  XXXX XXXX XXXX I have an autopay set up to make the minimum payment, but typically pay the balance in full within a couple of days of any charges and have never made a late payment. I am buying a house and applying for mortgages so am watching my credit score carefully. On XX/XX/2024 XXXX  reported to Experian that I was over 30 days late for {$41.00} in XX/XX/2024, dropping my Experian score from XXXX, by XXXX points down to XXXX in a single day. I called XXXX on XX/XX/2024 to get this corrected and they wouldn't help and referred me to XXXX. I worked with XXXX for a while and they sent me back to XXXX who wouldn't fix it and sent me back to XXXX. My statement for XX/XX/2024 clearly shows no late payments and in fact shows XXXX payments throughout XXXX all above the minimum payment. Its been over a month now and I'm really frustrated, I am also working with Experian to get the error fixed directly with them. I blame XXXX for contracting their credit card services to XXXX  as well as XXXX  for both reporting erroneous information to Experian and their lack of effort to correct their mistake.

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: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Mailed letters on XX/XX/2024 to dispute inaccuracies on my account and each time I was mailed a stall letter saying they fell someone else as sent my information. This is a direct violation of the FCRA. Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this complaint is a formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not XXXX more. I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

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 — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 2024-03-30 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: TX

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Account has transaction information regarding XXXX needed for account recovery

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: 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: GA

Complaint narrative:
How can the original creditor report 2 different " Date Last Active '' dates on my credit report. This is INACCURATE reporting. Please delete this account asap 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: Incorrect information on your report — Account status incorrect
Company: SLM CORPORATION
State: MS

Complaint narrative:
XXXX XXXX  incorrect reporting collection /charging disputes XXXX auto loan incorrect reporting collection / charge off disputes

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am filing this complaint because I to the CFPB to ensure that I get a direct and certain response from the credit regarding a notice of dispute concerning inaccurate payment information I have for the company. Please see the important documents attached.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

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

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company response to consumer: Closed with non-monetary relief