vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the importance of removing any incorrect information from my credit report as specified by FCRA 605B. Could you please review the attached documents? I've noticed discrepancies in several accounts, which is quite concerning.

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 2024-08-22 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: OH

Complaint narrative:
I have an American Express gift card in the amount of {$XXXX}. I have repeatedly tried using this with multiple vendors and it is consistently rejected. I have verified the full amount is available and activated the card online. However the card is consistently rejected. 
I've contacted American Express gift card support and they do not offer an agent to assist with an issue. The menu options are entirely automated and refer me back to the Amex Gift card website. I've also contacted American Express credit card support, but they can not assist with Gift Cards. Just yesterday, I tried using this gift card XXXX separate times at a local vendor. Each time it was declined without any explanation. We tried running the card for {$XXXX}, {$XXXX} and {$XXXX} - none were successful. 
I'm terribly frustrated and at a loss on how these funds can be used with this card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I contacted Capital One because I noticed that they were charging me for XXXX purchases that were supposed to have been paid by redeeming Capital One Miles points. I was advised by the XXXX XXXX rep that XXXX did not submit a request to redeem points, but instead charged my card directly. 

The Customer Service rep offered to make the adjustment, credit my statement and deduct the points instead. However, instead of charging me XXXX credits per dollar, as is the rate for XXXX purchases, she charged me XXXX points per XXXX cents and therefore used up all of my points to make the adjustment. _At no time_ did this representative explain that she would use a different rate of points redemption to make the adjustment. 

After completing the transaction, and ending the call, I realized that she had overcharged me. I called back and another customer service representative explained that if Capital One makes the adjustment, the value is only XXXX points per XXXX cents and that the XXXX points per dollar was only available when making purchases through XXXX. I explained that XXXX XXXX used points through XXXX but XXXX they did not redeem them properly. The Capital One customer representative said there was nothing they could do fix it because I had already agreed to the redemption at XXXX points per XXXX cents. Again, I was not aware that this was the rate she was using. Unfortunately, I also did not realize that I would have to stop and do the math to ensure that the rate of exchange was correct. I trusted the employee to make the appropriate correction based on my expectations as a Capital One and XXXX customer. Without a clear and proper explanation, I feel I have been defrauded of my rewards points. 

The second Capital One rep said that if I had any further problems with redeeming points on XXXX, I would have to contact XXXX. 

As a side note, I did contact XXXX regarding them not redeeming points for previous purchases, but they could not do anything because the transactions were already complete, and the orders delivered. They could only offer help in the future to ensure that points were redeemed correctly. 

I am hoping you can assist with getting Capital One to go back and correct the points redemption to reflect the XXXX points per dollar as offered for XXXX purchases. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-22 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX  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 to be removed/updated.

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.

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!

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 2024-08-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1601 - U.S. Code The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To get all the following inquiries off 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 2024-08-22 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: CITIBANK, N.A.
State: GA

Complaint narrative:
18 U.S. Code 1028- Fraud and related activity. Knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification I want this matter to be investivated, and all these inquiries off my credit report. XXXX XXXX ACCT # XXXX XXXX XXXX # XXXXXXXX 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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
What happened is I had to go to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXX. The hospital was supposed to bill my families XXXX XXXX XXXXXXXX and due to multiple errors they made I was sent to collections instead. 

I found this out on my credit report that they made this mistake. The hospital has already provided me a letter of closure for the account in question. However, XXXX XXXX XXXXXXXX did not take off the collections and neither did Experian despite inaccurate information being reported on my credit report. I also asked for debt validation and verification, there is no evidence that the account listed is even mine. I have had no dealings with XXXX who they now list as the original creditor so again another error on my credit report. I have not been provided a shred of proof and my right to settle this with the actual, original creditor is being violated. 

The account number from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX of XXXX, I opened a XXXX XXXX account with American Express. They proceeded to charge me a prorated annual fee, despite my husband being on XXXX XXXX and the XXXX XXXX XXXX preventing them from charging me these fees. I reached out to dispute it and they denied me my request because they filed it under the XXXX. Then, in XXXX of XXXX, they charged me another membership fee of {$XXXX}. I reached out to American Express again to contest the fees and inquire as to why they were charging me fees while the XXXX protects my spouse and me. 
Since then, I have been declined at least XXXX times, with American Express saying I am ineligible for the coverage for reasons varying from me not being married to someone on XXXX XXXX to my spouse not being the primary cardholder. However, I have provided a Statement of Service and a marriage certificate to show that my spouse is XXXX  and I have been married to him since XXXX. 
The exact verbiage in the XXXX XXXX states " Federal law provides important protections to members of the XXXX XXXX and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the XXXX XXXX and his or her dependent XXXX not exceed an annual percentage rate of XXXX percent. This rate must include, as applicable to the credit transaction or account : the costs associated with credit insurance premiums ; fees for ancillary products sold in connection with the credit transaction ; any application fee charged ( other than certain application fees for specified credit transactions or accounts ) ; and any participation fee ( other than certain participation fees for a credit card account ). '' As a dependent, I should be protected and would like the fees charged so far to be refunded immediately. There is nothing in the cardmember agreement or XXXX XXXX that says an XXXX  service member has to be a borrower on a loan in order for their dependents to receive the protection of the XXXX. 
I am happy to provide the paperwork that shows my status as the dependent of an XXXX  service member. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 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 account with TransUnion was never late! I have had exceptional payment history with XXXX  XXXX 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 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.

TransUnion 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 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 2024-08-22 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX 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 to be removed/updated.

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.

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!

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 2024-08-22 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: WA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

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.

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 explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: FL

Complaint narrative:
ACCORDING TO THIS UNKNOW DEBT COLLECTION ACCOUNT THAT IS IDENTITY THEFT, THIS ACCOUNT HAS NO RIGHT OF REPORTING THIS UNAUTHORIZED ACCOUNT ON MY CREDIT, UNDER THE FCRA 605B ( 15 U.S.C S 1681C-2 ) THIS ACCOUNT SHOULD BE BLOCK FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS.I WANT PROOF OF THIS CONTRACT WITH MY SIGNATURE, I ASK FOR THIS COMPANY JEFFERSON CAPITAL TO DELETED THIS OFF MY CREDIT REPORT ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
several attempts were made in order to correct the inaccuracies on my credit report, I have attached all of the certified letter 's that were sent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-22 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: IL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-08-22 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Do I went to a Bank of America atm to deposit cash XXXX dollars and there was a Error and I have now been calling for 5 days with no type of response or credited amount to my account

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 monetary relief