vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: MA

Complaint narrative:
On XXXX XX/XX/XXXX- I applied for an American Express Everyday Credit Card which had a Promotional Offer of 0 % APR interest for XXXX  months for a balance transfers and 0 % APR interest for new purchases for the first XXXX  months of opening the account. The Balance Transfer fee was 3 %. American Express made me read the Terms and Conditions of the card and I printed them out at XXXX XXXX  ( I have a copy - previously sent to CFPB ). At XXXX XXXX, I received an email that I was approved for the card ( previously sent to CFPB ). I borrowed {$5000.00} from American Express and used the funds to pay {$4000.00} towards a high interest credit card and another {$1000.00} towards another high interest credit card. The Balance Transfer Fees charged was {$150.00} dollars. When I received my statement on XXXX XX/XX/XXXX, along with the {$150.00} Balance Transfer Fee, American Express also charged me {$66.00} in Interest charges with a 23.24 % Interest Rate, along with the Balance Transfer Fees. ( previously sent to CFPB ). 

I was charged {$200.00} in XXXX  months for a Credit Card that I was promised 0 % interest for XXXX months. After submitting a complaint to CFPB - nothing was resolved in my favor. I took out the AMEX loan to get me out of debt, not cause more debt. 

I then took out a loan with a local bank to pay off the American Express Card because I was lied to about the 15 month 0 % interest rate. The balance on my loan was {$4800.00}. On XX/XX/23, the bank paid off the AMEX card balance for {$4600.00} and I made my monthly payment for {$150.00} on XX/XX/23. This paid off the loan. 

Today, on XX/XX/23 - AMEX sent me a statement saying I owe them {$49.00} for a {$2500.00} balance from XX/XX/23. Please see attached. 

I do not believe the {$49.00} Interest charge is warranted. I took out a {$5000.00} loan and even after making XXXX months of large payments, I still had a balance of almost {$5000.00} ( {$4800.00} ) due to American Express 's Exorbitant Fees and Interest Charges. 

American Express is a Predatory Lending, first by promising me a 0 % interest rate and then not fulfilling that promise, and later by charging me an Interest Fee ( {$49.00} ) after the loan is paid off. 

American Express is attacking American Consumers using Bait and Switch tactics during their times of need. 

I will also be writing the Federal Trade Commission and my Congressional Representatives with this complaint, including the history and artifacts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Despite numerous requests to remove a debt due to ID theft Equifax, XXXX and XXXX XXXX XXXX you need to violate the fcra regarding credit reporting negatively a debt that does not owed and due to ID theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I believe ive been apart of a breach ive never had anything to do with the following companies I believe these are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has a credit lock program, but I cancelled the {$29.00} fee in XXXX. I didn't notice that Experian continued billing me through XXXX, which means I'm owed {$87.00}, but Experian wants to refund me only {$58.00}. 

Does Experian think I just GAVE them {$29.00}, because if that's what they think, they are sorely mistaken! 

I want my full refund!

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 2023-12-30 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: MS

Complaint narrative:
I continue to ask for proof as part of the dispute process of late payments that are being reported on credit profile. Instead of sending the proof, the disputed months become " unknown '' while other months that were report without incident " ok '' then receives late comments.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2023 XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In accordance with The Fair Credit Reporting Act These accounts on my credit report XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX. XXXX XXXX acct XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX have violated my rights. 15 U.S.C. 1681 section 602 A states I have the rights to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-12-31 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: TX

Complaint narrative:
XX/XX/XXXXXXXX  Hello, Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX My name is XXXX XXXX XXXX, my date of birth is XX/XX/XXXX. I reside at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

I am writing to dispute the following information that appears on my Equifax Information Services, LLC consumer report : I never reside at the following address below and would like to have this immediately removed from my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I also noticed that the following inquiries below were made without my direct knowledge and consent, and I dont recognize the companies listed below in question. I request that those entries to be removed from my credit report profile immediate. This is a direct violation of 15 USC 1681, from the companies listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Under 15 USC 1681b, credit reporting agencies are only allowed to furnish consumer credit reports to those who have a permissible purpose as defined by the FCRA. Permissible purposes for accessing and using consumer credit reports. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 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: TX

Complaint narrative:
I currently have a virtual XXXX credit card that was used in the past for a payment of a laptop. The account has been paid in full since XX/XX/XXXX. I have never been late with repaying the card. In fact, my account has never reflected any late payments until XX/XX/XXXX. These late payments currently reflect that they originated in XX/XX/XXXX and XX/XX/XXXX, but took XXXX months before appearing on my account! When I inquired about these late payments, I was told that a new banking institution took over in XX/XX/XXXX from XXXX and now manages the accounts. I asked this new company to provide me with my transactions to show I was late in XXXX and XXXX XXXX  XXXX. They told me they could not provide any information to me because they have no history of the accounts prior to XX/XX/XXXX! In fact, they said that any history before XX/XX/XXXX should no longer be used on my credit report. 

This new banking institution that has taken over my account has blatantly falsified late payments on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to show how XXXX  they are. They have opened several investigations without my knowledge or consent. These investigations were opened on XX/XX/2023, XX/XX/2023, and XX/XX/2023. At no time did I authorize any investigations be opened on my behalf, nor did I dispute anything with Equifax on those dates The customer service representatives also deceive, LIE, about removing items that are or were in dispute and XXXX XXXX unless it comes to trying to sell you XXXX of Equifax 's products. They are slow to respond or update things on my credit profile as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Purchase Date : XX/XX/XXXX, Amount {$700.00} Expiration Date XX/XX/XXXXXXXX  No payments from ENTIRE PROMOTIONAL PERIOD WERE POSTED TO PROMOTIONAL PURCHASE and when I requested the payments from XX/XX/XXXX and XX/XX/XXXX be posted to the promotional purchase, they refused stating it was against the law and their policy and the full payments could only post to the promotional period 30 ( thirty ) days from the expiration date. This I setting up the consumer to pay the interest as none of the payments for an entire year are allocated to the promotional purchase, so the consumer has 30 days to come up with the full purchase amount!

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 2023-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
My prior case I filed case # XXXX LVNV/Resurgent responded that if I send them a copy of the Identity Theft Report filed through www.identitytheft.gov they would resolve this matter. On XX/XX/XXXX  I fax a copy to them at XXXX the 3 pages that were from the FTC. The FTC identity theft report # is XXXX. They know there are UNAUTHORIZED CHARGES on this account. and still refuse to remove this negative misleading information from my credit reports. They ask for proof I send it to them and still refuse to remove this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: OH

Complaint narrative:
this information was disputed back in XXXX XXXX XXXX XXXX. this was disputed and cleared from all three credit bureaus, and recently but back on my credit report, this was theft and people got credit in my name without my permission, remove permantely. 

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OHIO XXXX TRANSUNION, XXXX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX XXXX XXXX  {$250.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of 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 2023-12-30 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: AZ

Complaint narrative:
REVISED COMPLAINT : Credit inquiries by these companies that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I have requested documentation of inaccurate accounts that are negatively affecting my credit profile. The Bureaus continuously report that the information has been " verified '', however can not provide me with documentation of who they have verified these accounts with or how they have verified them.

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 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
XXXX continually allows people to access my credit file unauthorized. I specifically requested to sign up for the {$25000.00} settlement several times they have REFUSED me. Last time I spoke to them they claimed my credit score was XXXX and now I was refused a loan because of there credit report stating I have no credit file. They need to fix my credit, put an extended fraud alert and stop giving unauthorized people access to my score. I am pressing criminal charges against them!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Chaplin & Papa, P.C.
State: VA

Complaint narrative:
It is my understanding that XXXX wants me to pay them back on a claim that I had coverage for, base on a retaliation of filing a claim against XXXX with the XXXX XXXX XXXX. 

XXXX never sent out an adjuster to inspect my vehicle and with that said, the vehicle never got inspected properly and is a result of an expensive repair.

The approximately cost to repair the vehicle is {$5000.00} and looking for parts to repair the vehicle. There is a balance due of the repairs and when the vehicle is actually repaired. 

XXXX paid me in multiple checks with a total of {$2100.00}. XXXX paid XXXX XXXX {$880.00} directly. XXXX hasn't paid the claim in full and they are responsible for the payment of the claim till XXXX XXXX. XXXX hasn't even paid half the amount owed on the claim. There is an outstanding balance, due to the limitations of the policy for the claim XXXX didn't pay the full amount due. XXXX is aware there are XXXX paid me {$750.00} in a check. This can be verified by XXXX XXXX XXXX  complaint number XXXX XXXX Claim number XXXX. 

The check from XXXX is to cover the balance due from XXXX XXXX knows there is balance due, but couldn't pay out due to the limits of the policy. 

XXXX wants to deal with XXXX on the payment and not me. Regardless if XXXX wants me to pay them back for the repairs, when I had coverage why have insurance? Why isn't the XXXX  stepping in to resolve this matter? 

There is a balance still owed from the above payments, and has been turned over to my attorney for collection, but he is still waiting on the cost of the repairs ( the parts that we are currently waiting on ) before moving forward. 

XXXX and their agent is responsible for all collection cost, attorney and my time.

Company response to consumer: Closed with non-monetary relief