vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express supplied me with a credit card which I paid on time for over 16 years. An insurance product, which is involved in a class action lawsuit I am a part of, did not reemburse me for a claim. I disputed this issue for over 2 years. Since this was a breach of contract and the tactic to avoid payment, I stoped paying my monthly payments to American Express which resulted in my account closure and a rapid credit loss. no phonecall letter or email has changed this problwm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The Amazon Rewards Visa card through Chase allows for redeeming points in a number of ways, including cash back. This can be either as a statement credit or transfer to a bank account. When selecting a bank account, the screen warns that the bank information will be used only for this single transaction and to store the information permanently to reuse, go to Profile and Settings. However, nothing under Profile and Settings allows for that and there is no apparent information about a different way to do it. When I contacted Chase, I got mostly confusion and no resolution. By the way, part of the reply, such as it was, has been voice mail supposedly from Chase ( seemingly really from Chase ) asking me to call the person back at a number given. This is, of course, an awful practice because it lends legitimacy to scam calls but I called back once, anyway, got voice mail, left a message, and did not hear back.

It may be slightly cynical but I suspect Chase and/or Amazon may be intentionally creating some friction in getting cash back to a bank account in order to steer customers to redemption options that are cheaper to those companies in some way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
My Bankrupcty was discharged on XXXX creditors failed to update report with the correct information as accounts being in XXXX XXXX discharge thru XXXX. I have asked over and over again for the Credit bureau to fix this issue send information from the courts and a list of creditors. Still nothing. 

Ref # 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 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've informed the credit report companies, XXXX, XXXX, and Transunion, that these aren't accurate, and I've produced the XXXX XXXX Bankruptcy, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX Bankruptcy, and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is 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 non-monetary relief
Consumer complaint received 2023-12-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting a fraudulent inquires in 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 2023-12-16 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: WI

Complaint narrative:
i contacted the agency and i have got no response! i told them its causing me harm and i was told the information was verified and i didn't give anyone permission to ad anything to my report! also all my scores don't match across all three reporting agencies.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX supplied me with a credit card which I paid on time for over 16 years. An insurance product, which is involved in a class action lawsuit I am a part of, did not reemburse me for a claim. I disputed this issue for over 2 years. Since this was a breach of contract and the tactic to avoid payment, I stoped paying my monthly payments to XXXX XXXX which resulted in my account closure and a rapid credit loss. no phonecall letter or email has changed this problwm.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TransUnion did not honor my security freeze which resulted in identity theft for 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 2023-12-16 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: CA

Complaint narrative:
XXXX XXXX I am reporting a fraudulent inquiry found in my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I recently talked to Apple Card Goldman Sachs today I was previously told by SIPERVISOR THAT a dispute was filed given number then get an email stating it was a balance inquiry. I have first been trying for a long time to get the correct credit info from apple I never got the XXXX XXXX phone or the clear case. most importantly I have many unknown charges and credits on my account, the XXXX app never matches what they say when I call the balance is always different usually more. I chatted a couple of times today also they did was waste jy time Im sure they are overseas texts due to the language. Still no results just seems like playing with customers I need help they just take your money then are rude hang up etc when u try and call

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
This unknown Retail Credit Card company named XXXX Synchrony Bank with a balance of {$1500.00} has been reported on my Credit report with XXXX and XXXX. Opened XX/XX/2019.

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 2023-12-16 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
XXXX XXXX XXXX is reporting my banking private information to other 3rd third party companies without my written consent. They reported my nonpublic banking information to another company by the name of Chexsystems on XX/XX/. This insitution is violating my consumer rights under federal laws of the Fair Credit Reporting Act that their insitution is governed by.

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 2023-12-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I've informed the credit report companies, XXXX, Equifax, and XXXX, that these aren't accurate, and I've produced the XXXX XXXX XXXX, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX XXXX and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: IL

Complaint narrative:
I've informed the credit report companies, Experian, XXXX, and XXXX, that these aren't accurate, and I've produced the XXXX XXXX XXXX, showing all the negative items on my reports are to be by law removed, and id be filing charges if they weren't. They've failed to do that. I've said the same things to the creditors, as they're supposed to stop reporting them as accurate, because they're no longer accurate, and no longer any account at all. They're gone. Only thing supposed to be showing on my credit report is the XXXX XXXX XXXX and any new things I've done since that time. They've decided not to do as instructed. Neither the credit bureaus, nor the creditor 's either. One creditor is still sending me things, and isn't supposed to be reaching out to me at all. Which is 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 non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I made a full payment on XX/XX/2023. Today I received a bill for {$17.00} for interest fee when I didn't use the credit card and made the full payment on time. When I call I was told I was being charged a residual interest. For what the agent told me it sounded I was being penalized for making a full payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: PA

Complaint narrative:
I hope this letter finds you well. I am writing to express my dissatisfaction and concern regarding unauthorized charges made to my account by XXXX. My name is [ Your Name ], and my account is associated with the following details : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently discovered that a total of {$760.00} has been deducted from my account without my authorization. I have never used Clover 's services, and I explicitly agreed to an arrangement that stated no charges would be incurred if I did not utilize the service. Despite this agreement, I was charged {$22.00} monthly for a period of 18 months, along with an additional unauthorized annual fee of {$99.00}, totaling {$760.00}. 
I am extremely disappointed and frustrated with this situation, as I had trusted Clover to honor our agreement. To make matters worse, my attempts to contact customer service were in vain. I spent nearly an hour waiting on hold, but no one answered my call. Frustrated and left with no other option, I had to take the drastic step of blocking my account to prevent further unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: NY

Complaint narrative:
I XXXX XXXX XXXX, the federally protected consumer, has placed numerous complaints through the CFPB ( 15 u.s.Code 6805 and 16 CFR 131.1 ) and certified mail for the entire year of XXXX about TransUnion Corporation and XXXX XXXX XXXX willful non compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non public, personal information on my consumer report. ( FCRA Sec 603 ( d ) ( 1 ) ) without my expressed written consent. ( FCRA Sec 604 ( a ) ( 2 ) ). TransUnion XXXX and XXXX XXXX XXXX is also currently past the 30 day allotment to resolve this ongoing dispute which is also documented via the complaint placed via the CFPB since the last complaint that has been placed, on XXXX XXXX XXXX 
The law states that it is illegal to have a consumer report containing information solely as to transactions or experiences between the consumer and the person making the report ( FCRA Sec 603 ( d ) ( 2 ) ( a ) ( i ). I've repeatedly stated the reasonable procedures that congress has set forth for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer and the consumer reporting agencies, TransUnion Corporation and XXXX XXXX XXXX, has had no regards to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of the Fair Credit Reporting Act. TransUnion Corporation and XXXX XXXX XXXX has never provided their method and/or proof of verification that gives them the authority to report inaccurate, non-public, personal information on my consumer report. Which is documented via the CFPB with their responses that has not addressed the issue of their willful non-compliance of the Fair Credit Reporting Act and Privacy Act of 1974 by the sharing of inaccurate, non-public, personal information on my consumer report.

There is also income being reported, by TransUnion Corporation, on my consumer report as well XXXX XXXX XXXX XXXX XXXX  ) which also goes against federal regulations. Nor has this account been properly verified and/or validated according to federal guidelines. 
According to the compliance procedures of the fair credit reporting act every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. 

I have attached the following : Passport Card, CAF Notice, Power Of Attorney, Fee Schedule, consumer report ( s ), Opt Out Confirmation ( s )

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 2023-12-16 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:
Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The Experience was Private to the Household members. I Didn't give ( XXXX, Transunion, XXXX ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove XXXX XXXX from my Credit File @ XXXX, Transunion And XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance

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 2023-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
I asked for the written consent, my signature as well as itemized list of debt. I was refused information.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The XXXX was XXXX to the XXXX members. I Didn't give ( XXXX, XXXX, Equifax ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove The Tradeline from my Credit File @ XXXX, XXXX And Equifax 15 U.S. Code 1681n - Civil liability for willful noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: GA

Complaint narrative:
Notice of Dispute Regarding inaccurate report of tradeline Account And Deceptive Status Stating a Private Account was Late ( XXXX, XXXX, XXXX, XXXX ) Those Dates are Fraudulent and Wrong! The Experience was Private to the Household members. I Didn't give ( Experian, XXXX, XXXX ) Access to have this Private Information that I didn't give Written Authorization Nor do I Consent to Defaming my Character Block and Remove The Tradeline from my Credit File @ Experian, XXXX And XXXX 15 U.S. Code 1681n - Civil liability for willful noncompliance

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
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. 

Account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I told Experian, XXXX, and XXXX to reinvestigate these accounts. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 2023-12-16 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:
Victim of identity theft my safe was stolen from a car and it had my ssn card and other documents that were used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is regarding the credit card with Amex -- I have been over with them for over 20+ year. Never have even 30+day late pay -- This is regarding the XXXX bill due on XX/XX/XXXX  of amount of {$150.00} -- I made payment on XX/XX/XXXX and posted on XX/XX/XXXX ( one day late ) -- Called Amex on XX/XX/XXXX asking them if they can remove the late charge of {$40.00} which posted on XX/XX/XXXX, Declined -- On XXXX XXXX i saw there is new charge posted on my account as " Interest Charge '' of {$170.00} Called the CS right away and asked them the reason. Declined the charges This is robbery the consumer for one day late payment of {$150.00}, charge me {$40.00} late fee and {$170.00} interest charge of total : {$210.00} This is Robbery??

Company response to consumer: Closed with explanation