vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I recently submitted payment nearly two weeks early for the statement balance on my Amex XXXX XXXX XXXX credit card. I accidentally sent the payment using a lesser used checking account of mine. I did not realize this until a few days later when I received an email from my bank and Amex stating the transaction could not be processed. To rectify the situation, I quickly transferred the needed funds over from my primary checking account to the other in order to allow the original transaction to be processed. This payment was received by Amex before the payment due date and yet they still charged me a return payment fee of {$29.00}. A few days later, I asked Amex to refund this charge since this was the first time I have had this issue and it was a genuine mistake. They denied my request based on unclear grounds. Overall this fee seems unfair to me, seeing as I took numerous steps to resolve this issue in a timely manner ( in the midst of the XXXX holiday ). I find this fee is predatory and have encountered similar fees with them before.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FlexShopper, Inc
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -This is not my account. I have no knowledge of this account. 15 USC 1681b

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need 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 2024-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Sending this to synchrony bank will not help me because it is synchrony bank that obviously has permission to do anything they want to consumers by changing terms and causing us ( consumers ) more problems than we already have. Last year synchrony bank gladly gave me a digital XXXX credit limit of {$2100.00}. I set this up as my preferred payment method for purchases through XXXX. Gee, I just realized this isn't going to help me a bit to tell this story because I've seen hundreds and maybe thousands of complaints just like mine and the company simply says that " you aren't credit worthy ''. What a scam. Luckily I monitor my finances diligently because I have limited resources being a retired person for 15 years and having to use charge cards for anything other than rent and phone and utilities. Well when I went to pay my monthly payment if {$41.00} this month it says I only have {$17.00} credit left! Terrible. Of course if I hadn't noticed this I would have soon gone over my limit and been charged a big over the credit limit fee. AND this has lowered my debt to credit ratio and thus lowered my credit score which I certainly can't afford. What's going on with them? I read many postings from people who contacted them or even paid off the balance or tried to make bigger payments and synchrony then simply closed their accounts. I doubt that this will help anyone but it least all of you thousands of people will know you're not alone. What a shame, some people said that every time they make a payment synchrony bank will lower the credit rating again so that they are just a few dollars above their new balance. I for one just don't know what to do to " fix '' my situation. Other banks are doing this too from what I hear and the only solution for someone like me will be to just simply stop making my charge card payments. Unfortunately society would say that this is my own fault so XXXX XXXX XXXX I guess.

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 2024-12-30 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2024-12-30 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate Credit Reporting To Whom It May Concern : I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding Equifax LLCs inaccurate reporting of a settled account on my credit report. Despite providing evidence and disputing the information directly with Equifax, the inaccuracies remain unresolved. 

The account in question, reported by XXXX XXXX XXXX  XXXX ( Account # XXXX ), was settled in full on XX/XX/XXXX, for less than the full balance. However, Equifax continues to report the following inaccurate details : XXXX. Account Status : The account is incorrectly listed as " Charge-Off '' or " Collection '' instead of " Settled '' or " Settled for Less than Full Balance. '' Outstanding Balance : The account reflects an outstanding balance, but the balance should be reported as {$0.00}. 
Reporting Dates : The " Date of Last Activity '' and/or " Date Closed '' do not align with the settlement date. 

I have made every effort to resolve this issue directly with Equifax by sending a dispute letter, along with supporting documentation, including : A copy of the settlement agreement dated XX/XX/XXXX. 

Payment confirmation showing the settlement was completed. 

A highlighted copy of my credit report with the errors indicated. 

Despite their obligation under the Fair Credit Reporting Act ( FCRA ) 611 to investigate and correct these inaccuracies within 30 days, Equifax has failed to address or correct the errors.

Resolution Requested : I request that the CFPB require Equifax to : 1. Correct the account status to " Settled for Less than Full Balance. '' Update the outstanding balance to {$0.00} Ensure the reporting dates align with the settlement date of XX/XX/XXXX. 
Provide a written confirmation of the corrected credit report. 
I have enclosed copies of all relevant documentation for your review. 

Thank you for your assistance in resolving this matter. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: GA

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''

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 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the negative information that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ), any financial institution that furnishes negative information to a consumer reporting agency must provide notice to the consumer either before or within 30 days of furnishing such negative information. As per the FCRA requirements : ( A ) Notice to consumer required : ( i ) In general - If any financial institution that extends credit and regularly furnishes information to a consumer reporting agency furnishes negative information regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions - After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: FL

Complaint narrative:
I am writing to formally dispute the negative information that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ), any financial institution that furnishes negative information to a consumer reporting agency must provide notice to the consumer either before or within 30 days of furnishing such negative information. As per the FCRA requirements : ( A ) Notice to consumer required : ( i ) In general - If any financial institution that extends credit and regularly furnishes information to a consumer reporting agency furnishes negative information regarding credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer. ( ii ) Notice effective for subsequent submissions - After providing such notice, the financial institution may submit additional negative information to a consumer reporting agency with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: MD

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: John C. Heath, Attorney at Law, PLLC
State: AL

Complaint narrative:
Paid for service twice with company and they did not produce services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: NJ

Complaint narrative:
I am sending to formally dispute the inaccurate or misleading information on my credit report. Specifically, I request the removal of the following inquiries, as I did not authorize these lenders to make any inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 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: MI

Complaint narrative:
These accounts are related to a transaction and experience that falls under the EXCLUSION section of the FCRAs definitions ; rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the accounts SHALL be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non compliance. Please DELETE this item from my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
On XX/XX/XXXXXXXX  I purchased a XXXX XXXX XXXX ( Pet ID : XXXX ) from XXXX XXXX, Texas, financed through Mariner Finance. This purchase included a warranty for XXXX care and annual visits through " XXXX XXXX XXXX XXXX XXXX XXXX, I was informed by XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX had ceased covering the annual visit costs, forcing me to pay out of pocket. This violated the warranty terms included in the purchase agreement. Furthermore, XXXX accused me of breeding the puppy without any evidence, which they used to void parts of the warranty unjustly. 

When I reached out to XXXX customer service to address these issues, I was redirected to their legal team, represented by XXXX XXXX. After providing the requested documentation, I received no resolution. Instead, XXXX XXXX referred me back to XXXX, creating a frustrating cycle with no accountability. XXXX 's unwillingness to address the issues directly violates the purchase agreement and has left me financially burdened, given that the financed amount totals {$11000.00}, with an 18 % APR over 60 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: AL

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 The XXXX XXXX {$130.00} I looked at my XXXX and Equifax report on XX/XX/2024 and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: LEXISNEXIS
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX I am writing to formally file a complaint against Lexis Nexis Risk Solutions regarding inaccurate and harmful information reported on my credit file. Specifically, the following issues have arisen : XXXX. Incorrect Late Payments : My credit report reflects late payment history inaccurately, which I dispute as being incorrect or unverifiable. 
XXXX. A XXXX XXXX XXXX  is being reported on my credit file ; however, this information is outdated, inaccurate, or unverifiable. 

Additionally, I am a confirmed vicitim of the XXXX XXXX data breach which exposed my personal information and has caused financial harm, including these erroneous entries. XXXX XXXX as a data furnisher, has failed to ensure that my information is accurate, in compliance with the Fair Credit Reporting Act under 15 U.S.C. 1681.

Violations by Lexis Nexis : 1. Failure to Report Accurate Information : Under 15 USC 1681e ( b ) credit reporting agencies and data furnishers must follow reasonable procedures to ensure maximum possible accuracy of consumer reports. Lexis Nexis has not met this requirement. 
XXXX. Inadequate Investigation of Disputes : Under 15 USC 1681i, Lexis Nexis is obligated to investigate disputes promptly and thoroughly. Despite prior attempts to dispute these inaccuracies, indicating a failure to comply with FCRA obligations. 
XXXX. Reporting Obsolete XXXX  Information : The reporting of the XXXX XXXX XXXX appears to violate 15USC 1681c ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 uSC 1681 ( q ), 15 USC 1681 c-2, 18 USC 1028A . 

As a victim of the XXXX Data Breach, I suspect inaccuracies on my credit file may stem from identity theft or compromised personal data. This breach has exacerbated my financial harm, as the false information negatively affects my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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