vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
During the last 120 days, I have 3 complaints against US bank for their very confusing online banking system for credit card. I don't know why they just show 3 of my credit card? 
XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 even when I have overall more than XXXX credit cards with us bank. 
I have no idea why US Bank made it so complex for anybody to understand how to make the payment, autopay or change the bank account ( from which to make the payment ). I have called US Bank at least 5 times and conveyed the same but no impact. I am in Information technology for 27 years and worked for financial systems for around 15 years ( 8 years - credit card ). If somebody like me is not understanding their system - then there is something really wrong. there is no impact of feedback on US Bank. IT employees, customer service are inefficient and hopeless. 

Everybody I know working in IT for US Bank are the most in capable people. Support is good for nothing. I called them during last 4 days - they were clueless. What I want? Simple billing No fees if they are not telling me that i owe something to them consolidate all my rewards so that i can use them. In the end I want to close all these headache US Bank credit cards. I believe life is too short and i should not waste with US Bank customer service. 

Today I got another statement from US Bank for the credit card ending in XXXX. It says there is a {$39.00} late fees. I have been asking for US Bank for so many days. This credit card doesn't even appear in my online account. If i don't know I have a credit card and i need to pay then how come I can make the payment. Based on this statement when i called at XXXX at around XXXX to XXXX XXXX XXXX time, I talked to an old gentleman. This person took my routing # and account # - record 3 times and couldn't process my payment. Then he gave me another phone # XXXX to make the payment. It seems that number is for some business line for US Bank and they are closed on Saturday. Once again I called XXXX at around XXXX XXXX XXXX XXXX and payment was processed.

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 2023-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2022 a Bankruptcy XXXXXXXX was filed and Dismissed, then on XXXX XXXX a XXXXXXXX Bankruptcy was Discharged. I have a letter from the United States Bankruptcy Court stating the Fair Credit Reporting Act, 6 U.S.C. 605, clearly states that they do not provide this information to credit agency.

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 2023-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have been a customer of XXXX for a long time and always availed and enjoyed the rewards and perks they offer through their store credit card. So I know they are good with those offers and also know how to use them. But with last two purchases, I was supposed to get extra {$10.00} and {$25.00} extra scratch off offers but they never materialized. They usually send these after 3-4 weeks so there is a significant lag before I can call and ask them. When I finally chatted with the agent, she agreed I should get them and gave me a phone number to call, I called that number XXXX ( XXXX ) XXXX ) but the agents there told me those are promotional offers and no longer active so they can't do anything about them. They are going by a script but I should have some recourse where if I did not get what was promised, I should be able to reach someone and able to resolve. But the Agent on the line said there is no supervisor that will take my call. Her number is XXXX. The two purchases I made are : XXXX. XXXX XXXX XXXX XXXX ( purchased on XX/XX/XXXX XXXX  ) for {$260.00} and XXXX. XXXX XXXX XXXX XXXX ( purchased on ( XX/XX/ ) for {$130.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Chime Financial Inc
State: CO

Complaint narrative:
Several months ago, I called a home to cancel my account with them. I requested that both my debit card and credit card be cancelled. They confirmed they would do this on the call. They successfully closed my debit card account at that time. Several months later, I pulled my credit report from XXXX and found my Chime credit card was still an open trade line. I sent XXXX emails between XXXX XXXX and XXXX XXXX. Each of those emails received an automated reply to send an email from the email address connected to my Chime account. Because I no longer have access to my Chime account from deleting the debit card, I am unable to do this. They do not respond to this explanation and continually repeat the same auto response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my XXXX round of Debt validation and XXXX continues to bypass my request and use information I provide in my dispute letter to update my account which under FCRA is illegal. I requested the Original purchase agreement, copies of account statements, and any other details that proves that the collection companies they are reporting from has legal information.

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 2023-12-16 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: VA

Complaint narrative:
This is my XXXX round of Debt validation and XXXX continues to bypass my request and use information I provide in my dispute letter to update my account which under FCRA is illegal. I requested the Original purchase agreement, copies of account statements, and any other details that proves that the collection companies they are reporting from has legal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Auto Finance Co
State: GA

Complaint narrative:
NOTICED ERRORS AND VIOLATIONS MY ON CONSUMER REPORT DUE TO SAFECO UNLAWFULLYSELLING MY ACCOUNT TO A 3RD PARTY DEBT COLLCTOR WHOM I HAVE NEVER HAD AN OBLIGATION OR CONTRACTUAL AGREEEMENT WITH AND THE COMPANY CREDIT COLEECTION SERVE HAS REPORTED ON MY CONSUMER REPORT. THIS VIOLATES MY PRIVACY RIGHTS ACCORDING TO FDCPA, FCRA, CFPB AND PUBLIC LAWS RULES AND REGUALTIONS AS IT PERTAINS TO DEBT, DEBT DISCHARGE AND CREDIT REPORTING, THIS ALLEGED DEBT WAS ALSO DEEMED UNCOLLECTABLE MORE THAN 120 DAYS AND IS ENTITLED TO DISCHARGE BY ISSUING OF A 1099-C. CURRENTLY, IT IS BEING REPORTED TO THE CREDIT BUREAUS THAT FALSE AMOUNT OF {$900.00} IS OWED. THIS ALLEGED DEBT IS ENTITLED TO DISCHARGE DUE TO PUBLIC LAW 73-10 OF HJR AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: PA

Complaint narrative:
I have been a victim of identity theft and I need to get any inaccurate or false information removed from my report. I have disputed the attached accounts with the company and with the credit bureaus. I haven't gotten any action! I have included proof that there was not investigation complete and also I included proof of the inaccurate information on my report. I need this information removed immediately. It is illegal to report inaccurate information especially when my identity was stolen. I have a right to accuracy.

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 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 1666b.

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. 

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have late payments on this account that were never late and was never given notification Ive been in contact with this company on a multitude of occasions, even referring to the law and they have failed to respond I demand these late payments removed not only for the utter fact that I have never been late!, however also the fact that they have failed to give a response on information Ive requested within the 30 day time frame Ive requested it in. With several emails that will be attached following no response. This company then proceeds to charge my credit card balance without my express consent or permission to continue service with them to supposedly build credit but up the amount of money I have to pay every month from {$2.00} to {$5.00}. Reporting now 2 late payments from XX/XX/XXXX and XX/XX/XXXX these are both inaccurate and false when I paid all balances every month on time. Ive requested multiple occasions verification of these alleged late payments and the company seems to not care about their customers. I demand late payments removed as Ive already been through financial and emotional turmoil due to these payments effecting my credit scores. I demand late payments removed/updated. 

15 U.S Code 1666b.

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.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation 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 2023-12-16 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:
XXXX is reporting late payments to XXXX and Transunion. For some odd reason, XXXX is furnishing information that is incorrect. This company has been under scrutiny for not applying payments to consumers accounts correctly as well as many other FCRA violations. On XXXX XXXX, 2017, the Consumer Financial Protection Bureau filed a suit against XXXX alleging that the servicer hurt borrowers by providing bad and sometimes false information, not processing payments correctly and not taking appropriate steps to rectify situations when borrowers brought up these complaints. I was affected by this and the late payment reporting XX/XX/2017 is incorrect. I was never late, and this account needs to be updated immediately. I am not asking for the account to be deleted but I am asking for the late payments to be removed immediately or I will move forward with filing a statement of claim against your company for clear and obvious negligence, FCRA violations, and mental anguish because your company has caused me serious financial problems, distress, and loss of credit opportunities. Please see the attached credit report and update to paid as agreed, never late. XXXX has since deleted this erroneous error, and I am requesting that XXXX and Transunion follow suit.

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 2023-12-16 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:
XXXX is reporting late payments to Experian and XXXX. For some odd reason, XXXX is furnishing information that is incorrect. This company has been under scrutiny for not applying payments to consumers accounts correctly as well as many other FCRA violations. On XXXX XXXXXXXX XXXX the Consumer Financial Protection Bureau filed a suit against XXXX alleging that the servicer hurt borrowers by providing bad and sometimes false information, not processing payments correctly and not taking appropriate steps to rectify situations when borrowers brought up these complaints. I was affected by this and the late payment reporting XX/XX/2017 is incorrect. I was never late, and this account needs to be updated immediately. I am not asking for the account to be deleted but I am asking for the late payments to be removed immediately or I will move forward with filing a statement of claim against your company for clear and obvious negligence, FCRA violations, and mental anguish because your company has caused me serious financial problems, distress, and loss of credit opportunities. Please see the attached credit report and update to paid as agreed, never late. XXXX has since deleted this erroneous error, and I am requesting that Experian and XXXX follow suit.

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 2023-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Sezzle Inc.
State: TX

Complaint narrative:
Sezzle. I am needing to update my email address & change my PIN. Its not allowing me to do this & denying my transactions

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: IL

Complaint narrative:
On XX/XX/2023, XXXX charged my American Express account and eventually shipped me an empty box, lying to Amex in the dispute process that they wouldve delivered a XXXX XXXX computer. I am still in possession of the sealed box as evidence, but Amex is unwilling to look at the clear evidence Im providing as a part of the dispute. Now Im being charged for something I have never received and Amex is not helping.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
n 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 XXXX XXXX XXXX XXXX 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. According to the IRS laws, the tax consequences of Charge-Offs, the IRS may view outstanding debt forgiven or canceled by the lender as part of your taxable income. I'm showing proof that this company XXXX XXXX XXXX XXXX  # XXXX is reporting to my credit account as a charge-off. In addition to this, A charge-off is considered a certificate of indebtedness so its considered income and income is not reportable and should be removed effective 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 2023-12-16 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: PA

Complaint narrative:
I have been a victim of identity theft and I need to get any inaccurate or false information removed from my report. I have disputed the attached accounts with the company and with the credit bureaus. I haven't gotten any action! I have included proof that there was not investigation complete and also I included proof of the inaccurate information on my report. I need this information removed immediately. It is illegal to report inaccurate information especially when my identity was stolen. I have a right to accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-16 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: PA

Complaint narrative:
I have been a victim of identity theft and I need to get any inaccurate or false information removed from my report. I have disputed the attached accounts with the company and with the credit bureaus. I haven't gotten any action! I have included proof that there was not investigation complete and also I included proof of the inaccurate information on my report. I need this information removed immediately. It is illegal to report inaccurate information especially when my identity was stolen. I have a right to accuracy.

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