vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex will not credit me for over-billing committed by XXXX for over billing of {$300.00} per month for a gym membership, they also refuse to investigate for the billing issues made by XXXX for the following dates and case numbers in no particular order : XXXX XXXX XXXX XXXX XXXX card ends in XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX corresponding card number for the charges XXXX I was over-billed for my membership which was only {$330.00}, they charged me an additional {$300.00} per month for the following months listed above. 

I reached out to the business last year XX/XX/XXXXXXXX  - XX/XX/XXXX in regard to the matter, they got back to me XX/XX/XXXXXXXX  via email stating they see the additional {$300.00} charges per month for each month listed above but their systems did not have the capability of reversing the charge. 

I CONSULTED WITH THE BUSINESS FIRST AS AMEX ALWAYS TELLS ITS CLIENTS TO DO AND WAITED FOR XXXX  RESULTS OF THEIR INVESTIGATION, HOWEVER XXXX  TOLD ME I WOULD NEED TO GO TO MY BANK THIS YEAR BUT AMEX WILL NOT DO ANYTHING. 

THEY WERE ABLE TO CREDIT ME FOR XX/XX/XXXXXXXX  BUT NOT THE REST OF THE MONTHS AND THAT MAKES NO SENSE. 

I was directed by a customer service chat representative to make the dispute reason as follows : Ive been charged more than once for the same purchase However, the reason for the dispute is that I was overbilled or overcharged for my membership for the duration of my membership XXXX My membership dues were $ XXXX  monthly for my membership. 
I contacted the XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX to inquire about them overcharging/overbilling my Amex, despite invoices showing that my monthly rate was {$330.00}. They told me they would have to investigate it and would give me a call back once they had more information. They called me back XX/XX/XXXX and the staff at the gym recommended I dispute the charges with the bank because they see that I was over-billed, but they have no way of reversing the charges on their end. 
I called back XX/XX/XXXX to get more information on why this happened. They confirmed with me that my monthly dues for my membership with XXXX should only be {$330.00} per month. I was told by XXXX  that the {$300.00} charged was for another members dues during that time but due to confidentiality reasons they could not tell me who.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The credit agencies are allowing XXXX to report partial information. The balance is missing. Balance is XXXX. Please fix or remove.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
The credit agencies are allowing Bridgecrest to report partial information. The balance is missing. Balance is XXXX. Please fix or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
the inquires on my report have not been done by me. the closed account is wrong and wasnt done by 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 non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Byrider Franchising, LLC
State: WI

Complaint narrative:
I returned the vehicle to JD by rider and they are still wanting the whole amount for the car after they have already sold the car they have not deducted anything from the price that they received from the car. I have attempted to pay a lesser amount, but they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-09-11 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:
Kindly remove this inaccurate entry from my credit report as I neither authorized nor recognized this account. Attached are the pertinent documents supporting my assertion.

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 2024-09-11 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: CA

Complaint narrative:
I am disputing inaccurate reporting by XXXX on my credit report for Account XXXX : XXXX. They have incorrectly reported late payments that I have not incurred, which violates my rights under 15 USC 1681 A 2 ( b ). 

I have made multiple attempts to resolve this issue with XXXX but have received no proof of investigation or resolution. I request the CFPB to investigate this matter and ensure that my credit report is corrected.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer 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 explanation
Consumer complaint received 2024-09-10 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: NY

Complaint narrative:
Squareup.com square XXXX system has stopped transferring my business earned money for the last couple of weeks to my active and re-verified bank account of choice. The total balance is XXXX till date. I have contacted them via email and phone support available by their choice of contact. {$48000.00} is amount my business made from transactions and square now under new name Block Inc has already cut their square fees but not transferring my business money into my XXXX XXXX XXXX account. Note : my business bank accounts are active and also show active and verified under my square account.

Due to money placed on hold by square/block inc , my employees have not received their two weeks pay yet! I will also complain with New York State labor department! Thank you cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: NJ

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-09-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am requesting an severely investigation 15U.S.C 1681c upon capital one with an Account that is paid in full from 2017 that is still reporting inaccuracies on my XXXX credit report .other Credit reports does not obtain this capital one from 2017 on my credit report .I also reached to capital one during to the data breachi was not nofited or contacted ... it is unlawful change in deliquency dates, misreported active payment history showing repeated c/o showing close accounts ..Due to statue of Limitation i would like to have capital one from 2017 Removed off my credit report It's afftecting my ability to get credit /Obtain a Home

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: United Funding Logistics, LLC
State: VA

Complaint narrative:
I paid for what was advertised as a lifetime of service for credit repair and disputes. After months of nothing being done I was sent this to my email. 

( Dear Valued Clients, We are pleased to inform you that the massive FCRA Complaint filed on your behalf is moving forward at a rapid pace. To strengthen your individual cases, we kindly request that you upload anydenial letters for creditthat you have received from the time you signed up with us to the current date. These documents are extremely important for your case. 

Please note that existing clients ' disputes to the bureaus will continue to be filed monthly as '' Intent To Sue '' even though you are included in the ongoing complaint. This ensures that your rights are protected and your disputes are actively managed. 

If you wish to disputeCollection Accounts, please be aware that there is a one-time fee of $ XXXX the Reinvention Program The Payment Link is below to book and be added to XXXX XXXX Case Load. 

Thank you for your continued trust and cooperation. If you have any questions or need further assistance, please do not hesitate to contact us. 

Best regards, Click Here For Reinvention Program With XXXX {$150.00} ) They are trying to get money for something I already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: VA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. 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 2024-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Funded My Citibank off my 401k Plan through XXXX, my funds were in my Citibank were good for days until XXXX XXXX  now when I try to log into my banking app I'm suddenly locked out! I haven't even received the debit card in the mail yet and my account is already locked. CITIBANK IS PURE THIEVES! THEY JUST LOCKED MY ACCOUNT FOR NO REASON NO EXPLANATION

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 2024-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I looked at my consumer report and notice that my Capital One Auto account was closed and charged off which mean that they quit pursuing me for the debt. Without any documentation of this transaction I was making payments on a payment plan and notice that information. After speaking on the phone, on a recorded line, I was told that they did that because the account was over XXXX days and the underwriters was doing there job but they are constantly updating an closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-11 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-09-11 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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