vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
On XX/XX/year> an address in the state of Michigan belonging to a family member attempted to be served papers in my name. I am not a resident of Michigan, have not been a resident of Michigan in several years. SOFI has filed a lawsuit against me in an entirely wrong jurisdiction which violates the FDCPA. The law firm acting on behalf of SOFI also partaking in the FDCPA violation is XXXX XXXX XXXX XXXX. Lawyer name on lawsuit is XXXX XXXX who is also violating FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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:
Upon reviewing my financial records, I discovered that there have been instances of late payments recorded against my account. I want to sincerely apologize for any inconvenience or concern this may have caused. I assure you that this was not intentional, and I take full responsibility for the oversight. 

I understand the importance of maintaining a good payment history, and I am committed to rectifying this situation promptly. To ensure that such occurrences do not happen again in the future, I have taken the necessary steps to implement better payment tracking and reminders.

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 2024-07-18 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: WA

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

I looked at credit report on XX/XX/XXXX and noticed ( Date Of Last Active ) is still being reported inaccurately on my credit report. ( Transunion XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) and ( XXXX XX/XX/XXXX ). 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.

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 2024-07-18 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 Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-07-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 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:
On XX/XX/XXXX I look at my credit report and saw these collection and charge off accounts on my credit report that are not mine. if these accounts are open or closed I want them off my report immediately. The accounts are XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, And all the Inquiries.

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 2024-07-18 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: CA

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 2024-07-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
I opened an account with Synchrony while I was single. I then got married and added my husbands XXXX XXXX  account as an external account to my Synchrony account and made deposits from his XXXX XXXX  Account ( on XXXX ). The deposits were accepted by Synchrony, but then they suspended the account ( on XXXX ) due to suspicious activity of adding my husbands external account ( after they accepted the deposits - If this was an issue, they should not have accepted the deposit ). But when trying to move the money back into his XXXX XXXX  account ( as advised by Synchrony, on XX/XX/XXXX ), they restricted the account and would not move things along after calling XXXX times and speaking to multiple managers. Causing an insane amount of stress as now, all of our money was being withheld from us despite having credit card bills from our wedding, a new house and mortgage payment, etc. I have never paid a late credit card bill, nor have I ever not had the required amount of fund to purchase things/pay a bill. Now, all of our money is in the Synchrony account and unable to be transferred due to the account still being under review ( we have also requested this to be expedited on XX/XX/XXXX, and we are still waiting on XX/XX/XXXX ). The lack of help we have received from Synchrony is painful, everyone keeps saying that it is moving as quickly as possible.

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 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I have an American Express card where I had no interest on purchases for 18 months, ending in XX/XX/XXXX ( paid it off in XX/XX/XXXX ). I recently discovered that for XXXX and XX/XX/XXXX I have been paying {$0.00} per month in interest fees. When I inquired with American Express the representative told me that it was interest on the annual credit card fee. The XXXX XXXX states that if you make more than the minimum payment on your credit card bill, your credit card company must apply the excess amount to the balance with the highest interest rate. 

I have always made payments much higher than the minimum payment due. As I understand the Act, my payments should have first been applied to the annual fee since it carried the highest interest rate. 

If American Express has been doing this to all of its customers since XX/XX/XXXX when the CARD Act rule went into effect they have potentially cheated their customers out of millions of dollars. 

Please also note that American Express charged me the annual credit card fee on XX/XX/XXXX. The first interest fee of XXXX {$.00} was charged to me on XX/XX/XXXX as well THE SAME DAY The annual credit card fee was charged. No time had passed on that charge before they started charging me interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
There were two unrecognized hard inquiries reported on my credit account. One from Kohls Capital One on XX/XX/year>. I called The Kohls department on XX/XX/year> and they were unable to identify any credit card inquiries or provide any information about a fraudulent attempt. The second was a fraudulent hard inquiry from XXXX XXXX. XXXX XXXX was contacted in XX/XX/XXXX and confirmed that a fraudulent attempt was made to open an account on XX/XX/year>. They identified that it was fraudulent and gave me a case number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XX/XX/24 there was a fraudulent charge using my Best Buy/Citibank credit card on XXXX for {$740.00}. Had numerous conversations with Best Buy. One of them even told me I had to go to the physical store to deal with it, which I did. They looked at me like I was crazy. 

I sent a copy of my XXXX order history showing it wasn't ordered by me. Also sent info that my daughter was getting married XX/XX/24 so I wasn't shopping for yard furniture the day before. I live on the XXXX floor and don't have a yard so there's that. 

Best Buy sent a report supposedly showing the entire shipment from XXXX to my place saying they have 'documented proof of delivery ' but it wasn't delivered and when I ask for copies of this proof there is no response. 

Research shows that this is a huge issue with Citibank/Best Buy. The AG in New York has sued Citi over it. They tell you the charge has been removed pending investigation. Then the charge reappears and you are told the case is closed and you are responsible for the charge and they won't respond to calls or letters. 

Unless you pay, they will ruin your credit with no recourse. Have filed a police report and CFPB complaint.

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 2024-07-18 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: CA

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 2024-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My account with AMEX was never late! I have had exceptional payment history with AMEX 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 XX/XX/2023 to XX/XX/2023 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. 


AMEX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, I booked a hotel room for XX/XX/XXXX to XXXX, but within 24 hours, I requested a refund through the platform because I realized I had made a mistake with the address and it didn't match the hotel my friend had booked. Since it was my first time using this app, I didn't notice that the hotel 's policy was non-refundable. The platform agreed to contact the hotel on my behalf to request a full refund, but the hotel did not respond. So, the platform asked me to contact the hotel myself to try to get a full refund. I contacted the hotel four or five times, but the front desk kept asking me to wait for the manager 's response and promised to email me, but I never received a reply. And I did not stay at the hotel and did not receive any services from them. Therefore, I do not accept this charge. According to California state law, I am entitled to cancel my trip within 24 hours, which I did. My credit card also rejected my dispute. Please help me, I want to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased a XXXX XXXX  ticket through XXXX on XX/XX/XXXX for Friday XX/XX/XXXX to Monday XX/XX/XXXX for {$260.00}. Throughout the booking process, XXXX was advertising free XXXX cancellation with full refund. After purchasing it, I tried to upgrade it to extra leg space as I was with my son and was not able to. Customer service was not helpful, so I decided to cancel it ( trusting the 24-hour free cancellation promise ). When cancelling through XXXX, I was told to cancel through XXXX XXXX website, but it was down. I reached out same day ( Sunday XX/XX/XXXX ) to XXXX XXXX and was able to cancel with promise that it is a free cancellation within XXXX hours. After cancellation went through, I receive an email telling me that I have cancelled and have a reservation credit. I won't be using XXXX as I will mostly be travelling with my son and will need extra leg every time which I was not provided here. I reached to XXXX asking why I only have a reservation credit and not full refund as advertised and was told additional to the 24-hour cancellation policy, the ticket needs to be booked at least 7 days before. This was not mentioned anywhere through my booking, and this was my first information. After submitting dispute to chase, they reached out to merchant who provided the fact that the ticket is nonrefundable and never mentioned the 24-hour policy. Chase did not request additional information from me as I have screenshot of what the page told me when I cancelled. I wasn't given the opportunity to review merchant reply and dispute was denied. No denial notice sent me. I figured out this looking through my account, called chase and was told it is past appeal time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
I am writing this formal letter to express my mixed feelings of disappointment, polite concern, and anger as a consumer regarding recent and newly discovered items that may contain potential misinformation and are not certifiably compliant with reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2024-07-18 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:
XXXX CARD SERVICES Inquiry : XXXX. XXXX, XXXX and on XXXX, XXXX I never have permission for them to pull my credit please Delete

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-18 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: OH

Complaint narrative:
I am unaware of this debt from XXXX in the amount of {$9700.00} on XX/XX/XXXX. I was not given the opportunity to dispute this information prior to placing it on my credit report. If you believe I was given proper notification, please provide the certified mail receipt with my signature on it. If you aren't able to provide that please remove this from my credit report immediately. I sent a letter to XXXX via certified mail. It was delivered on XX/XX/XXXX and I received no response. You have violated my rights by not responding to my request to give me the option to dispute this.

Company response to consumer: Closed with explanation