vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

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. ''

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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Ive been communicating with Chase since XX/XX/XXXX when the new offer is XXXX points for XXXX spend USD. The old offer being XXXX points for XXXX USD spend. The card was opened XX/XX/XXXX. On XX/XX/XXXX the rep said they noted on my account XXXX points for XXXX USD spend and I spend an additional XXXX USD to meet the sign up offer. Its deceptive practice to deny the new offer when XXXX XXXX XXXX contacted them over XXXX  times as described below, including sending them a picture of me holding up the physical offer of XXXX points for XXXX spend. I am willing to accept the different of XXXX chase ultimate reward points if the offer can not be XXXX hotel points. 

XX/XX/XXXX ( Not XX/XX/XXXX as confirmed by XXXX XXXX today XX/XX/XXXX ) I spoke to the representative who stated they noted on my account that I will be able to spend {$4000.00} and received XXXX points the current going offer XX/XX/XXXX l received the credit card. I contacted customer service before I even received the credit card received card XX/XX/XXXX XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Sent Chase Card Services Account inquiry on the XXXX points offer XX/XX/XXXX Spoke to a Customer service Rep who does not understand or was unable to see I sent a secure message with the physical mail in letter, the website promotion proof, and email showing proof of the offer. 

XX/XX/XXXX, XXXX contacted them only to be told the account couldnt receive nights. When the offer is for points not nights Attachments sent XX/XX/2024 below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Ive talked to multiple Amex managers and they claim that the dispute team is being unfair, I first returned my product to the merchant XXXX XXXX XXXX XXXX for {$2000.00} that was purchased XXXX XXXX from a return label they sent to me and added it to the box with the XXXX XXXX XXXX inside and sent it back. At first the merchant argued that the weight of my package was XXXX therefore I contacted XXXX and got a receipt for the package being XXXX and I will insert it right here. I also provided the return label matching what they sent me to return with the weight literally matching. 



After that now the merchant is claiming they have no proof of me returning the merchandise and they never received any content but they are the same merchant who emailed me telling me they have received my merchandise and I will be receiving a refund in a few business days. 


Now my last question for this merchant is if you claim I sent trash and you received something I want picture evidence right now of what I sent with my tracking number and name on the box because every shipping label has and tracking number and name on label so I can be sure you guys are telling the truth because this is unacceptable for me to be blamed with no pictures or proof or anything just word of mouth. Im providing all these documents and the merchant is just sending documentation with no proof. Im not paying this merchant if they can confirm a picture of my box that came in. Please Amex help me take care of this as you can see if I have alot of documentation proof and countered every single thing the merchant said.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
no resolution of issue no ability to speak with anyone in credit office as all accounts are joint accounts no fraudulent activity was done the error was a keystroke or bank error totaling a whopping XXXX dollars which was returned to my sons account they are XXXX realistic as i have been a customer since 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 2024-08-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have no association to these accounts. The same medical bill listed XXXX different times. This is a fraudulent account. Please remove 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 non-monetary relief
Consumer complaint received 2024-08-26 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: Medical Business Bureau
State: SC

Complaint narrative:
This has been ongoing for the past XXXX  years. My XXXX XXXX were manipulated with my knowledge or consent. They took away my XXXX XXXX XXXX XXXX XXXX XXXX. I tried going back to XXXX  and had reached the total max. I reported this to everyone involved the new XXXX, the past XXXX  and the XXXX XXXX XXXX. They refused to resolve the issues and reinstate my available XXXX XXXX. Im {$80000.00} in debt with a XXXX XXXX XXXX and they wont even give me a XXXX  for the classes already paid for! This debt has weighted heavily in my personal credit report. I have applied for the forgiveness and all. Then I have unauthorized medical bills on my credit. I have disputed these things with the credit bureaus and even put an alert on my credit. Nothing has improved. It is a deliberate defying of constitutional rights and laws! My credit rating is so very low. I cant qualify for anything. I have even reported identity theft and provided paperwork. They have other peoples debt stuck to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX is reporting my XXXX XXXX as a XXXX however there is absolutely NO information on my credit report aside from that. As a result, my new start-up business has been suffering because I continue to get rejected for funding based on this score. 

According to my rights, XXXX should NOT be reporting any score if they do not have my records. Additionally, per your own information, there have been disputes that were closed on the credit bureau that say they were resolved and clearly they have NOT because there is no record of them on my XXXX report. 

XXXX of the disputes about my name change states that they were happy to tell me that my name was changed however, it is not even provided on the report so how would I know. Additionally, the letter that states it was changed states Dear XXXX XXXX and goes on to state that my name has been changed to XXXX XXXX. 

My name change was a court order for safety as my XXXX perpetrator IS an XXXX XXXX XXXX I need ALL previous names removed from my file. How does ALL of my information get wiped from a credit file while XXXX has everything and Transunion has all of my demographic information and my debts completely wrong?

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: South Carolina State Housing Finance and Development Authority
State: SC

Complaint narrative:
My sons were born in XXXX. We were XXXX  and our information was stolen. XXXX of my XXXX isnt able to be registered as a XXXX citizen under my name because they stolen him from the hospital. However, the XXXX child I was able to register is XXXX XXXX XXXX. I started a company and everything for him and his brothers. A man going under my missing brother XXXX XXXX XXXX and his associates are using my sons information to get businesses and property. They do actual XXXX XXXX to the XXXX XXXX and our families. My brother went missing at XXXX XXXX XXXX and these people have come back and snatched my other son. XXXX XXXX XXXX XXXX is his business not for example the XXXX XXXX XXXX! He isnt old enough to rent any or pay anyones bills!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution - Reference to Federal and California Laws Dear GS BANK USA, I am writing to address a serious violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and the California Consumer Credit Reporting Agencies Act under Sections 1785.10 and 1785.30. 

It has come to my attention thatGS BANK USA has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal and California law, as outlined in the FCRA and the California Consumer Credit Reporting Agencies Act, respectively, explicitly mandate that the consent of the consumer is a non-negotiable requirement for such reporting activities.

I assert with unwavering certainty that I have not provided consent for GS BANK USA to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that GS BANK USA immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 1785.10 and 1785.30 of the California Consumer Credit Reporting Agencies Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I anticipate your immediate attention to this matter and expect that GS BANK USA will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of XXXX XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 2024-08-26 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:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date XXXX Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of XXXX XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXXXXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: TransferWise Ltd
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding the suspension of my business account by Wise, which occurred due to a miscommunication related to an address update. This suspension has caused significant disruptions to my business operations, and I request the CFPB 's assistance in resolving this matter promptly. 

Details of the Issue : Date of Initial Contact ( XX/XX/2024 ) : I contacted the bank after being informed that I needed to update my trading address in their system. After updating the address as instructed by their customer service representative, I was assured that " all should be fine. '' Date of Account Suspension Notice ( XX/XX/2024 ) : I received an email from the bank stating that my account had been suspended because the updated address did not meet their requirements. 
Follow-Up XXXX ( XX/XX/2024 ) : I contacted the bank again to resolve the issue. I was advised to update my address a second time, which I did. When I requested reactivation of my account, I was told it would take XXXX working daysa delay that is unacceptable given the impact on my business. I was instructed to call back on Monday. 
Escalation Attempt ( XX/XX/2024 ) : I called again today to escalate the issue, but I was informed that there is no escalation process. Instead, I was told that the complaints team would contact me within XXXX hours. This delay is also unacceptable, especially since I followed the bank 's advice throughout this process. 
My Concerns : Failure of XXXX XXXX : I relied on the banks assurance that the address change was completed successfully. If there were any issues, the bank had a responsibility to communicate those requirements clearly during the initial conversation. 
Unjustified Account Suspension : The suspension of my account was carried out without any further notice or opportunity to rectify the situation, leading to significant financial disruption. This action contradicts the bank 's duty to act fairly and transparently. 
Severe Impact on XXXX Operations : The suspension has caused all incoming payments to be returned to the senders, disrupting my cash flow and leaving me unable to meet financial obligations, including payments to my contractors. This situation is putting my business and livelihood at risk. 
Requested Resolution : I am requesting the CFPB 's assistance in ensuring that my account is reactivated immediately. Additionally, I seek compensation for any financial losses incurred due to the bank 's miscommunication and the resulting account suspension. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my XXXX  score. Below are the details of the accounts in question :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
consistently ensured timely payments, so I'm puzzled by an error in 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 2024-08-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
This company has called me 9 times in the past 2 days. After I have already talked with them and let them know my situation. A complaint was already filed a few month back. Theyre at it again.

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 2024-08-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: NY

Complaint narrative:
The entire Debt was paid to Sunrise Credit Services XXXX XXXX located at XXXX XXXX XXXX XXXX - XXXX XXXX, XXXXXX/XX/XXXXon XX/XX/year> although I had been disputing the charge with the optimum cable I decided to pay and dispute withXX/XX/XXXXdirectly because I didn't want the notification left on my credit report. I have called a few times to find out when they will be reporting the improved account to the credit bureau and they keep stating that the report went out in XX/XX/year> to the credit bureau then I call again today and they said the report went out to the credit bureau on XX/XX/XXXX but it still shows as collections on my credit report. To begin with, the person at sunrise I spoke to when I received the alert was extremely rude and nasty so I requested to be transferred to someone else that would help in a better manner. Everything seemed a little off with the entire structure and process with this company and I am still having to deal with them because they keep telling me a different story every month. I paid what was due when I received the notice but to get the improved account rectified with them submitting it to the credit bureau has not been as quick.

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 2024-08-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Turbo Debt LLC
State: MA

Complaint narrative:
I previously submitted a complaint, but it was closed due to non response from me, I did not recall all the info CFPB requested, I spoke with XXXX XXXX of Turbo Debt, I was lied to continuously. These companies are not legitimate, but additionally lie about what will happen

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 
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. ''

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