vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-17 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: CA

Complaint narrative:
I have been dealing with an on-going fraud issue with XXXX Bank XXXX which due to their ineptitude, resulted in late payment reporting which has since been reverse. However, American Express, a company which I have never, ever had a late payment with and always pay my full balance with every month, decided that due to the credit reporting, they would lower the available balances on XXXX of my credit cards with them, a XXXX  AmEx and a Blue XXXX XXXX AmEx. Since the negative reporting has been removed, they have not reinstated the previous limits that were extended to me. This in turn, also affected my credit, because the credit usage rate went up since the available credit was reduced. 

In addition, I became aware today that AmEx is attempting to charge over {$110.00} in interest charges and a late fee on my XXXX  card, a card that I pay an annual fee of {$800.00} on, because by their systems, my payment was an hour and XXXX XXXX minutes late. I am unclear what time zone they operate under, but this is absurd by any stretch of the imagination. The payment had clearly been made by open of business the next morning. They did not suffer any hardship as a result of a payment being ( according to them ) an hour and fifty-six minutes late. I attempted to address this with their customer service team, but their team was useless and said they were unable to help. 

I want AmEx to reinstate the previous credit limits on both cards, and refund their insane and unjustified interest charges and late fee they think are acceptable to charge for a payment purportedly being an hour and XXXX XXXX minutes late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rubin & Rothman, LLC
State: CT

Complaint narrative:
I received letter delivered by a state marshal from the court stating I'm being sued on XX/XX/XXXX. I never received anything from the creditor or the collections agency stating the debt was transferred or that I have right to dispute the debt. In XX/XX/XXXX I called original creditor to see if they would work with me to lower my payments as I had been in the hospital and unable to pay and they refused to. I asked them to then close the account and they didn't. I enrolled the debt into a program to reduce my debt and I never heard anything from the creditor nor received anything from them or any collections agency until XX/XX/XXXX when I got the letter of lawsuit.

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian and XXXX XXXX are reporting closed accounts as if they are active

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 2024-01-17 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 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:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/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 2024-01-17 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: TN

Complaint narrative:
requested via the 3 bureaus the info from this debt to include itemized calculations of debt, copy of contract or lease w my signature and other identification of who put this or allowed this debt to be in my name. Only XXXX has removed this debt on the basis that XXXX XXXX XXXX is not licensed to collect in my state amongst other reporting errors. I have never lived in, went into contract, inquired for help or services or even seen these apartments before. I was never even sent a bill or notice. Requests were on XXXX XXXX XXXX XXXX XXXX Transunion refuses to acknowledge my disputes at all. XXXX keeps saying they have verified the debt on the same day yet fails to provide me with the manor in which they verified or provided me with a copy so that I may follow up with legal help in getting this erroneous debt off of my consumer report as I have never lived here XXXX XXXX XXXX has several large debts under my name that occurred at the same time. I can only live in 1 apartment at a time. There is no physical way my children and I can live in this many apartments and accumulate such large bills across different states. XXXX and the bureaus have not provided me or shown any proof that this debt is actually mine or who in fact signed my name for this debt. I have NEVER had any business with or any bills from this place.

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 2024-01-17 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: FL

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
In XXXX Ally Financial XXXX, ( Ally ) repossessed by XXXX XXXX. Reported it to all XXXX bureaus as a repossessed auto loan but per the contract information it is a XXXX Installment sales contact Loan. I'm led to believe Ally has made a 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 explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I have received a call from XX/XX/24 at XXXXXXXX XXXX I believe the time was much earlier, but the phone script said XXXX. When I heard the voicemail just after I received, it looked like female caller. The recoded voice looked like more old fashioned recording. 

The number is XXXX. XXXXXXXX XXXX 

Voicemail transcript Good afternoon my name is ______ on your I'm calling from synchrony Bank this message is for XXXX XXXX XXXX regards to your teacher ___________ account I received your correspondence regarding an issue were having with your credit account and I wish my name to touch base with you regarding that if you could please return my call at XXXX I would appreciate it thank you and have a great day ....

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 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The LVNV FUNDING LLC is willfully in violation of FCRA and condoning illegal behaviour, They must correct or remove this charge off account immediately. LVNV FUNDING ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: IN

Complaint narrative:
Lexis-Nexis Consumer Services Center XXXX XXXX XXXX XXXX, Ga XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon reviewing my consumer report, I found information inaccurate, Please review and contact Insurance company XXXX  Insurance for verification so that the information be correct and deleted. This information is falsely be report which has prevented me from receiving insurance. I have enclosed the denied letter. 
XX/XX/XXXX incident is incorrect there is no accident on this date. This date XX/XX/XXXXXXXX  is false and need to be corrected. 
Insurance at that time was XXXX Policy # XXXX Claim Agent XXXX XXXX XXXX. Please contact insurance and remove the inaccurate information date XX/XX/XXXX it was only 1 accident in XXXX. 
Accident date XX/XX/XXXX was not my fault this incident happens on the freeway, which I file a police report of an object in the road which cause the accident, this should not be rated as my AT-FAULT ACCIDENT, Im requesting this be investigated and remove from my Lexis-Nexis report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I contacted Transunion concerning this, they told me to submit a dispute, this has already damaged me by a credit card dropping one of its limits from {$11000.00} to only {$500.00}, I have been denied credit because of it. I have proof that this debt was paid to the original party ( XXXX XXXX ). And they are at a loss why this is with a collection agency 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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
Experian has been giving me an extremely hard time, I have already had this account removed from both XXXX XXXX XXXX XXXX reports because the debt couldnt be validated. Experian has chosen to continue reporting it, even after it shows to be past 7 years. The debtor ( XXXX has been illegally refreshing the debt.

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 2024-01-17 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: TN

Complaint narrative:
I am a victim of a severe form of Human Trafficking pursuant to the final rule on Human Trafficking. On XX/XX/2024 I put in a request to have accounts and inquires blocked due to adverse information being reported due to a severe form of human trafficking. on XX/XX/2024 they sent me a pdf email stating " Account information disputed by consumer ( Meets requirements of the Fair Credit Reporting Act '', which is false and misleading. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Experian during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, XXXX, XXXXXXXX entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.

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 2024-01-17 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: PA

Complaint narrative:
XXXX and trans union are reporting closed accounts as if they are active

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 2024-01-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: ProCollect, Inc.
State: NE

Complaint narrative:
XXXX has been giving me an extremely hard time, I have already had this account removed from both My XXXX XXXX XXXX reports because the debt couldnt be validated. XXXX has chosen to continue reporting it, even after it shows to be past 7 years. The debtor ( Procollect has been illegally refreshing the debt.

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 2024-01-17 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: TN

Complaint narrative:
I am a victim of a severe form of Human Trafficking pursuant to the final rule on Human Trafficking. On XX/XX/2024 I put in a request to have accounts and inquires blocked due to adverse information being reported due to a severe form of human trafficking. on XX/XX/2024 they sent me a pdf email stating " Account information disputed by consumer ( Meets requirements of the Fair Credit Reporting Act '', which is false and misleading. They are violating my right to privacy. I have not recieved any prior notice about anything being reported on my credit report nor have gave my expressed, written or verbal consent for anyone to post any thing to my credit report. As well as violated my rights to opt out as well.This is a Civil liability for willful noncompliance pursuant to 15 U.S. Code 1681n.I am seeking {$1000.00} per violation commited by Experian during them entire lifetime of them accessing my credit profile, Plus damages and a full financial disclosure, XXXX, XXXXXXXX  entries for the name XXXX XXXX because I am aware you sell people information and I would like my cut on what you make on that as well.

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 2024-01-17 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: AR

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 


Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 

I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. 
Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 

I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 

Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. 

I anticipate your prompt attention to this matter and a swift resolution. Please confirm the receipt of this complaint and provide a timeline for the resolution process. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX OpeneXXXX XXXX XXXX XXXX  Balance {$2000.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX XXXX Balance : {$24000.00} ; DEPT OF ED/XXXX  XXXX Opened XXXX XXXX XXXX Balance : {$1400.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Received email in spam folder stating account was past due. Logged in and checked account to notice a balance. I have not used the card. Looked for card and can not locate it. Card Lost/Stolen. I locked the card after seeing the fraud. I AM XXXX XXXX  and tried to find a way to contact customer service online but could not so I am now filing this complaint to seek help.

Company response to consumer: Closed with monetary relief