vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I have never shopped at a XXXX in Florida I have never been shopping period in Florida.

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 2022-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Complete Credit Solutions, Inc.
State: NY

Complaint narrative:
This is my second attempt to have this removed/deleted from my credit report. The date of account opening and balance being reported are 100 % inaccurate. Sec. 623 of the FCRA covers the reporting of 100 % accurate information. I have notified COMPLETE CREDIT SOLUTIONS , INC ( CCS ) of the inaccuracies and they have continued reporting the same incorrect information. The date on the " receipt '' they sent to me as proof of debt states the account was opened on XX/XX/XXXX but XXXX is reporting it as XX/XX/XXXX XXXX, XXXX, and XXXX. It also states a total balance of {$1000.00}, XXXX however is reporting that I currently owe {$2500.00}. That is two clear strikes against this collection agency violating the FCRA.

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have reach out to Experian many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



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 explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I closed my business platinum AmEx account ending in XXXX in XX/XX/XXXX. On XX/XX/XXXX, I received an email from American Express stating that " After careful review, we noticed activity that indicated these points may have been earned or used in a way that doesn't meet the terms and conditions of the Membership Rewards program or of the promotional offer under which you earned the points. '' I logged into my account and found out that XXXX points were taken away from my Amex Membership rewards account. I called Amex right away and the phone representative could not tell me the reason why points were removed. I told her that I opened my account in XX/XX/XXXX and earned the XXXX bonus points in XX/XX/XXXX for meeting the spending requirement. In XXXX when I closed my account with a chat rep because the second year annual fee was due and I want to avoid the XXXX year fee, the rep did not say anything about the points may be taken away. I don't understand the reason why Amex took my points away after I cancelled my account in XXXX. The phone rep could not give me any reason and she filed a case for me with case # XXXX. She promised someone from the backoffice will contact me with the results of the investigation within one week. Now more than 2 weeks has passed and no one from Amex contacted me about the result of the investigation. My XXXX point still missing. Please help me to get amex to reinstate my points. I am willing to reopen the cancelled account and pay the 2nd year annual fee if Amex can reinstate my XXXX points. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 Ive been asking the company to provide accurate documentation because I am not associated with the address on their documentation and I never lived there and thats not my signature what do ever so please update my credit reports please and thank you so kindly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I have reach out to XXXX many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



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 explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
I have reach out to XXXX many times and advise them these companies did not have my permission at all to run my credit I have even reach out to the companies and they still have not remove them. I went to XXXX XXXX and got a car from them only and never went anywhere else. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Looking at my credit report the last update for XXXX comunity was XX/XX/2022 and the balance is wrong and this XXXX please update this I am trying to buy a house

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Credit Karma, LLC
State: MO

Complaint narrative:
Credit Karma offered pre-approval credit cards and I was denied and it dripped my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: NJ

Complaint narrative:
Revco Solutions Inc originally XXXX XXXX XXXX XXXX opened as of XX/XX/22, and was reported on my credit report on XX/XX/22 in the amount of {$680.00}. I have no knowledge of this debt and it does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX I paid my credit card debt with XXXX XXXX XXXX through XXXX XXXXXXXX XXXX XXXX  and XXXX  XXXX XXXX  the XXXX  was {$2000.00} and the XXXX XXXX was {$1600.00} round about. XXXX I seen some fraud charges from XXXX XXXX on my card the was fraud as well as a XXXX charge and XXXX XXXX charge. I contacted chase bank the disputed my entire account months n months back reversing all kinds of legit payments on me that I normally pay every month out of that account. So they messed up 2 credit card relationships that took me forever to build and are saying I owe them {$2700.00} and no one will own there mistake so now Im in debt with chase XXXX and XXXX  XXXX XXXX  it ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am not sure if anyone even cares about this, but I think it's time we start forcing these credit agencies to do better and rating peoples credit. 
My complaint is against Equifax as they dropped my credit score XXXX points just because my balances on my debt decreased. I am in the process of buying a house and trying to keep my scores above XXXX so when I close in XXXX I can get the best possible rate I can. I don't think it's fare the credit agencies can just drop your score that much for no reason other than you being a good credit risk. I am really sick and tired of these credit agencies using some XXXX bogus formula to get these scores and they have no rhyme or reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
My information was sold to a company that I know nothing about. I want them to destroy any information they have on me and get rid of that debt. I know nothing about it. I believe that is against the law. 

I also have some medical bills that were sold that I want destroyed and off any account that you have with my name.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
My information was sold to a company that I know nothing about. I want them to destroy any information they have on me and get rid of that debt. I know nothing about it. I believe that is against the law. 

I also have some medical bills that were sold that I want destroyed and off any account that you have with my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I qualify for the PSLF program. I have been working as a XXXX for XXXX years. I was sent papers saying that I had less than 10 payments accepted out of 120! I was astonished. 

I was told that you could make BIG payments every year and they would count for 12 payments. 
In addition, I looked at my Balance and I was DETERMINED to pay it off in 2 years ... not TEN years, so I could buy a house. at his point, I felt like no matter how many payments I made, it was a fraud, and I had to just pay it down FAST, because the higher the balance the more the INTEREST! 

I started changing my payments : XX/XX/XXXX XXXX required XX/XX/XXXX. XXXX higher payment XXXX more than required XXXX XXXX XXXX XXXX XXXX XXXX higher payments XXXX more for 3 months than required XXXX XX/XX/XXXX XXXX XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment XXXX over required XXXX XXXX XXXX no payments required XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XX/XX/XXXX. XXXX. MASSIVE payment. XXXX over required XXXX. XXXX -- -- -- -- XXXX in overpayments made during the pandemic that I could have used for a downpayment for a house I called up Fed Loan in XXXX and went over all my overpayments. I was upset, because I got a letter that showed that now almost XXXX of my payments were being ACCEPTED. 

I was told that NONE OF MY OVERPAYMENTS MADE A DIFFERENCE TOWARDS PSLF and ONLY the XXXX amount or the min payment! 

I spent hours on the phone and we calculated the amount to be paid back to me. 
I was told it would take 2 weeks to 2 months for the money to be paid back to my bank account. 

We went through EVERY TRANSACTION. I was literally taking the money I would have used to BUY HOUSE, and the PAYMENTS WEREN'T EVEN MKING A DIFFERENCE. 

My payments for the past 9 years that I had been making were accepted! I literally have 10 more payments. Less than 1 year! 

I am still waiting for my money to be refunded ... ... as NONE of the OVERPAYMENTS COUNTED. 

I am still making the monthly payments to XXXX... now you can't even see the documents on FEDLOAN. But they are all the same and run by the government, it should all be documented! XXXX only shows the most recent payments. 

I can't wait for this mess to be OVER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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 Ive been asking the company to provide accurate documentation because I am not associated with the address on their documentation and I never lived there and thats not my signature what do ever so please update my credit reports please and thank you so kindly

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 2022-10-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NE

Complaint narrative:
I had booked a hotel through a 3rd party website. The 3rd party website not only didn't have any resort fees listed in the total charge. It also specifically stated that the hotel would not add any fees at check in. I have physical proof of both. The BOA  XXXX  XXXX prepaid card services didn't even bother asking for the proof and rubber stamp denied my claim. ( BOA  Claim # : 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 monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit card or prepaid 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: DISCOVER BANK
State: NM

Complaint narrative:
Hello, At about XXXXXXXX XXXX on XX/XX/22 we purchased XXXX tickets online for an event from XXXX XXXX and the charge was made on our Discover Credit Card in the amount of {$160.00} ( {$75.00} per ticket plus service fees ) They sent Tickets for Friday the XXXX of XXXX, we ordered tickets for Saturday the XXXX. 
We notified them as soon as we saw the error at about XXXX XXXX on the XXXX and only received a computer generated message indicating the matter would be investigated. 
Before we purchased the tickets for the event we made hotel reservations and the reservation for the hotel was only able to be cancelled before XX/XX/22 at XXXX without a charge. 
We emailed the vendor again regarding the error early on the morning of the XXXX, text messaged them also and left XXXX voice mail messages stating that we needed to know by late afternoon of the XXXX that we would be receiving corrected tickets before we would be charged for the hotel reservation if we had to cancel. No response other than the notification regarding the investigation was ever received. 
We cancelled the hotel because we were in limbo when the deadline approached. 
XXXX sent corrected tickets on the XXXX XXXX hours after our free hotel cancellation deadline had expired and never communicated with us regarding whether or not the tickets dates would be corrected. 
When we tried to make a new hotel reservation after receiving the tickets for the correct date, there were no hotel rooms available. We asked that the purchase be cancelled and our credit card issued a credit. It has been declined and our dispute denied by Discover because they state the correction was made, although by that time we were unable to get a new hotel reservation. 
The XXXX charge was made immediately and yet it took XXXX hours to make a correction. If they had only communicated to let us know that we would get corrected tickets in time, this issue could have been avoided. But XXXX did not. 
We cancelled our Discover account but would like to be credited for the {$160.00} by the vendor XXXX XXXX. We have no outstanding balance other than the disputed amount. 
We also have {$14.00} XXXX Back owed to us by Discover. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX  XXXX XXXX XXXX  # XXXX, has violated my rights. 

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 2022-10-16 00:00:00
Product: Credit reporting, credit repair services, 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: 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. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX, has violated my rights. 

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