vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
It has been very difficult to use my Amex prepared gift cards at stores or online. I am also charged a small fee ( {$.00} or {$.00} ) for trying to use them on actual stores I go to such as XXXX or on XXXX for XXXX purchases. It is very hard to know what my current balance is on the card in real time because the Amex app itself does not allow you to add your gift card to the app ( as I can with my other Amex credit cards ), but the Amex website emphasizes that consumers need to know their balance at all times to use the card effectively. It suggests calling Amex or logging in online to Amex to determine your balance, which is more difficult than using the Amex app. 

Furthermore, at restaurants, you usually can not split between two cards if the balance is more than the current value of the card, and the bill ( including hold for tax and fees ) may come out to be beyond the value of the card so it will decline. In this way, the cards are ( 1 ) difficult to use, and ( 2 ) difficult to spend the full value.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been inaccurately linked to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is imperative to address this issue promptly as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
I am writing to bring to your attention the fraudulent personal information associated with my identity. Certain accounts and transactions have been inaccurately linked to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is imperative to address this issue promptly as it has adversely affected both my financial well-being and personal reputation. I kindly request your cooperation in swiftly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is greatly appreciated.

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 2024-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/year> I found a surprise new {$1.00} fee on my Synchrony Lowes account. I contacted them and asked what it was for and that they remove it since I never authorized it. They claimed that it was a new paper statement fee that I had to accept if I wished to continue receiving a mailed statement each month. They also claimed that they had informed me of this previously, even though I was not aware of it. They gave me a one time " courtesy '' reversal and I begrudgingly accepted paperless statements. 

Then on XX/XX/year> I found several articles indicating that this policy is not lawful in several states, and that CA is one of them ( Found here - XXXX XXXX XXXXXXXX ). They state that CA has a prohibition against CC companies charging customers additional fees to receive paper statements. I contacted Synchrony Lowes again and specifically asked why they were trying to charge for paper statements when it was prohibited in CA and they refused to directly answer that question. They said I could either agree to be charged for paper statements, go paperless, or have my account closed. 

Both times their " support '' agents refused to provide me with a copy of the " support '' chat transcript, claiming that Synchrony " doesn't use email '', even though they'd told me in the same chat session that " Synchrony would be emailing me a statement ''. 

I can provide additional info if requested.

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 2024-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
My debit card was used multiple times with XXXX XXXX. Close to 20 unauthorized transactions with different amounts totaling {$8100.00} in fraud. Not one of these transactions were flagged and it was until I finally received a fraud alert that I called in and submitted a claim. I never done business with this merchant. Citizens bank has not been helpful in providing me provisional credit. They drained my checking account at the end of the month and now Im behind with my landlord and other creditors

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: FL

Complaint narrative:
I recently checked my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 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: OR

Complaint narrative:
I disputed on all three credit companys and they are saying that their information is correct. It is being reported on my credit and I do not have any accounts with XXXX XXXX credit cards. How ever is using my SSN is ruining my credit. Please help. This now to me is Fraud.

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 2024-06-02 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: NJ

Complaint narrative:
I am disputing several accounts on my Experian credit report that are past the allowable reporting time limit under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c, which mandates the removal of adverse information after seven years. The details are as follows : 1. **Account Status Incorrect** : - Some accounts on my credit report have a status indicating delinquency, charge-off, or other negative information that is older than seven years. According to 15 USC 1681c ( a ) ( 4 ), such information should not be reported past this timeframe. These accounts should be deleted immediately as they no longer comply with the FCRA 's reporting requirements. 

2. **Old Information Re-Appeared or Not Removed as Expected** : - There are accounts on my credit report that should have been removed after the seven-year period but are still being reported. The presence of these accounts is a violation of the FCRA, which mandates the removal of outdated negative information to ensure the accuracy and fairness of consumer credit reports. 

Despite contacting Experian directly regarding these accounts, I have not received a satisfactory resolution. I request the CFPB to investigate this matter, enforce compliance with the FCRA, and ensure that these outdated negative accounts are removed from my credit report immediately.

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 2024-06-03 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: VA

Complaint narrative:
Trans union report my account is past due 60 days and the account is paid off with a XXXX. XXXX and the account is closed so how can it be past due 60 days

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 2024-06-02 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: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I called and they looked for my SSN and told me that I did not have an account with them. I reported to XXXX and I was sent an email from XXXX that information report was accurate.

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 2024-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: RFNA, LP
State: LA

Complaint narrative:
Hello, XXXX XXXX XXXX and I am reaching out today because XXXX is still reporting inaccurate information on my consumer report. The alleged debt has been written off by company Republic Finance and was charged off. The collection account has been written off a a bad debt which uses a 1099-c Cancellation of Debt by company and myself. I ask that you verify this with XXXX and Republic Finance. 
According to the FCRA and FDPCA, its illegal to try and collect on a debt that has been written off on company taxes. It also governs the accuracy, fairness, and privacy of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: MA

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 2024-06-02 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: CL Holdings LLC
State: DE

Complaint narrative:
Hello, I recently reviewed a copy of my credit report and was in awed that I have been a victim of identity theft. I have found numerous accounts on my credit report that we not opened by me. This has been hurting me in the process of buying my forever home for my family. Please remove the fraudulent accounts from my credit report as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: FL

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 

Resources

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-02 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: FL

Complaint narrative:
I have a serious issue that needs to rectified with XXXX XXXX. This company charged of this account on my credit report but its still reporting a balance of XXXX. That is against the law. A company can't charge off an account and still report a balance on the account. This is against the law. The company name is XXXX XXXX account number is XXXX and the balance they have on the account is {$9300.00}.

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 2024-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a serious issue that needs to rectified with XXXX XXXX This company charged of this account on my credit report but its still reporting a balance of XXXX. That is against the law. A company can't charge off an account and still report a balance on the account. This is against the law. The company name is XXXX XXXX account number is XXXX and the balance they have on the account is {$9300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-02 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: 4M Collections, LLC
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in XXXX, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account ( s ), they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of XXXX  language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the XXXX XXXX XXXX have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company removes my account ( s ) from all three credit reporting agencies due to the violations : SOLVERITY - XXXX If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-03 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: WI

Complaint narrative:
XXXX XXXX and all 3 credit bureaus have failed to remove a late payment from XX/XX/year> from my reports despite constant contact and attempts made by me to have it removed. XXXX XXXX has an automated system set up so that it will automatically deposit and withdraw money to/from an account which will then withdraw and deposit money into another account that is connected to a credit line designed to help build credit. 

The account records show that the accounts not only failed to even attempt to withdraw and deposit for XXXX payment, but then had a delayed deposit/withdrawal on a second payment as well. Due to the system failing to operate as it was supposed to, I am not liable for damages. Once I realized what had happened, I promptly ensured the account was current and contacted XXXX XXXX to advise them of the system and account issue. XXXX XXXX and all three Credit Bureaus ( XXXX, XXXX, and TransUnion ) have been unhelpful in solving this issue and removing the late status from my reports. There has been a couple times where the credit bureaus have removed the late history before readding it later on and a few times where the credit bureaus have failed to send dispute reports. This has gone on for around 8 months now, which is an extraordinarily long time for something as simple as a system error causing a {$10.00} payment to be made late.

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 2024-06-03 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: WI

Complaint narrative:
XXXX XXXX and all 3 credit bureaus have failed to remove a late payment from XX/XX/year> from my reports despite constant contact and attempts made by me to have it removed. XXXX XXXX has an automated system set up so that it will automatically deposit and withdraw money to/from an account which will then withdraw and deposit money into another account that is connected to a credit line designed to help build credit. 

The account records show that the accounts not only failed to even attempt to withdraw and deposit for XXXX payment, but then had a delayed deposit/withdrawal on a second payment as well. Due to the system failing to operate as it was supposed to, I am not liable for damages. Once I realized what had happened, I promptly ensured the account was current and contacted XXXX XXXX to advise them of the system and account issue. XXXX XXXX and all three Credit Bureaus ( Experian, XXXX, and XXXX ) have been unhelpful in solving this issue and removing the late status from my reports. There has been a couple times where the credit bureaus have removed the late history before readding it later on and a few times where the credit bureaus have failed to send dispute reports. This has gone on for around 8 months now, which is an extraordinarily long time for something as simple as a system error causing a {$10.00} payment to be made late.

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 2024-06-03 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: FL

Complaint narrative:
Inquires I dont recognize

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-03 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: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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 2024-06-03 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: NY

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA XXXX ( XXXX U.S.C. XXXX ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 non-monetary relief