vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-27 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been filing dispute with the credit card charges as the XXXX who charged me has performed a XXXX that XXXX XXXX XXXX  and they are not reaching out to me to assist with refund or assistance. instead expecting me to pay in full for the XXXX XXXX 

The credit card company keeps denying my dispute saying that the services are deemed delivered hence i need to make the payment.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX is a utility company in XXXX, Texas that is reporting an account that 7 Years 9 Months old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Im certain that I always pay on time, yet I see late payments reported for some months. Under USC 1666b, any billing error must be corrected, showing the payment as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is absolutely frustrating, I found errors on my credit report showing unpaid loans and late payments, leading to my car loan, house loan and new credit applications being denied.

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 2024-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SD

Complaint narrative:
Today, XX/XX/year> I into My School Bucks ( www.myschoolbucks.com ) to put money into my kids ' school lunch accounts. I have used this service for years. This year the maximum deposit amount each time is now lowered to {$150.00} and their lunch program fee increased to {$3.00} for each deposit. Since a parent can only pay {$150.00} per kid, this company forcing parents to pay more times and pay the service fee each time. There should not be a cap on the amount I can deposit into my kids ' school lunch account. 

When I inquired about why they did this, they said our school district sets the limit at {$150.00} each deposit. They would not waive the fee or remove the cap online. 
I called the school, and they said that was not true and that their contract with My school bucks does not require a deposit limit but does state there is a service fee per use. I wrote a paper check and took it to the school to cover most of the lunch money for the upcoming year. 

As a mom of XXXX XXXX who purchase double meals each day, since the portions are so small, and sometimes have to grab breakfast due to morning activities, I am not paying a service fee each of {$3.00} to put money into my own account. Other than profit on service fees, I don't understand why there is a cap on the deposit amount? I should be able to put in {$1000.00} at the start of the school year. I am going back to writing one check to cover the whole year if it's going to cost me $ XXXX a year in program fees. Thats a lot of lunches my kids could have had, or I could donate that money to another kid that may need it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-08-27 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: CT

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

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

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my AMEX XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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 NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Todays XXXX I have looked at my credit report and I have noticed fraudulent credit card ACCOUNT NAME US BANKRUPTCY CT GA XXXX REF # XXXX IAM ASKING FOR THIS BANKRUPTCY TO BE REMOVED NOW ITS OFFICAL REMOVAL DATE IS XX/XX/year> THIS XXXX XXXX  BANKRUPTCY THAT SHALL BE REMOVED FROM MY CONSUMER REPORTS IN A MONTH FROM NOW I ASK AS A FEDERALLY PROTECTED CONSUMER FOR THIS ACCOUNT TO BE REMOVED NOW SO I CAN GET A HEAD START AT REBUILDING MY LIFE BACK. THERE IS THE HOLIDAYS COMING AND WINTER AND I HAVE NO WHERE TO LIVE THIS IS HOLDING ME BACK FROM GETTING A PLACE FOR ME AND MY KIDS THANK YOU 15 USC 1681 E ( B ) & 15 USC 1681 1 ( 5 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are 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 2024-08-27 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: MA

Complaint narrative:
Delete late payments I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like XXXX did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681i ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information LATE PAYMENTS DATES AND ACCOUNT NUMBER Account Name XXXX XXXX XXXXXXXX Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed. 
Status Updated : XXXX XXXX Balance : - Balance Updated : - Recent Payment : - Monthly Payment : - Credit Limit : {$500.00} Highest Balance : {$800.00} Late Payment Date : XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX XXXX ) XX/XX/XXXX REMOVE LATE PAYMENTS OR DELETE THE ACCOUNT, NOT MORE UPDATES.

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 2024-08-27 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: AZ

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I applied for an American Express Business Gold Card based on an email promotion that I received which stated a XXXX welcome points bonus ( the " Bonus '' ) upon the spend of {$10000.00} within the first 90 days ( the " Minimum Spend Threshold '' ). After receiving the card and activating it I saw that if I buy a XXXX XXXX gift card for {$500.00} or more there is an additional XXXX points bonus. I did that and then I contacted American express via chat to check by what date I need to meet the Minimum Spend Threshold and to confirm that Dollars spent on a gift card will go towards the Minimum Spend Threshold. The chat agent made a mistake, mislead me and told me that only a limited list of expenses goes toward such Minimum Spend Threshold and sent me a link to such list. When I saw the list it was clear to me that I can not meet the Minimum Spend Threshold within the 90 days period and I canceled the card. Shortly after that ( in the same day ) I realized that the chat agent made a mistake that mislead me. I verified that every Dollar spent on any good and services counts toward the Minimum Spend Threshold. I immediately contacted American Express asking to instate the card or issue a new card so I can get the Bonus once I meet the Minimum Spend Threshold but I was told that this can not be done. I was told that if I apply for a new card I will get the card but not the Bonus. I tried over several calls with customer service to explain the mistake that was made by the agent and the confusion but nothing helped. I had a case about the matter but it was closed by American Express with out any help ( XXXX ). It is VERY clear that I only cancelled the card because I was provided misleading information by mistake during my chat. Chat transcript is attached and I also added the limited list of the expanses that was provided by the chat agent by mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 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: EQUIFAX, INC.
State: OH

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: USCB, Inc.
State: FL

Complaint narrative:
I sent USCB a certified letter back in XXXX asking them to send me proof of verification and I just received another letter which is not what was requested from them. 
I received from the post office return signature which I have enclosed

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
This was a personal loan. Payments were deducted from my checking account with the bank that gave me loan. They reported XXXX days late on the in the last week of the loan. Please fix this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received an updated credit report stating that the information was verified. However, I am concerned about the verification process, especially given the discrepancy with my bankruptcy filing. 
Detail how the investigation was conducted, including who you contacted at XXXX XXXX XXXX XXXX XXXXXXXX and their contact information. 
As of today, my credit report still shows the presence of a bankruptcy that has been discharged. However, the fact that it is still being reported is questionable, as I never signed or gave my authorization for this information to be published on my report. To my understanding, this information should not be present in my report. 

Bankruptcy Details : Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX Closing Date : XX/XX/XXXX During my investigations, I found that this data should not be displayed on my credit report without my consent, violating 15 USC 1681g , which mandates that consumers have the right to request and obtain all information in their file. Furthermore, I question the procedures used to report this information, as courts are not permitted to provide these details for commercial purposes. The reporting of a bankruptcy indicates that the court or entity in question disclosed this information without my permission. I disputed this matter but did not receive a response from either the credit bureaus or the court, leaving me with this complaint as my only alternative to resolve the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received an updated credit report stating that the information was verified. However, I am concerned about the verification process, especially given the discrepancy with my bankruptcy filing. 
Detail how the investigation was conducted, including who you contacted at XXXXXXXX XXXX XXXX XXXX XXXXXXXX and their contact information. 
As of today, my credit report still shows the presence of a bankruptcy that has been discharged. However, the fact that it is still being reported is questionable, as I never signed or gave my authorization for this information to be published on my report. To my understanding, this information should not be present in my report. 

Bankruptcy Details : Date Filed/Reported : XX/XX/XXXX Reference Number : XXXX Closing Date : XX/XX/XXXX During my investigations, I found that this data should not be displayed on my credit report without my consent, violating 15 USC 1681g , which mandates that consumers have the right to request and obtain all information in their file. Furthermore, I question the procedures used to report this information, as courts are not permitted to provide these details for commercial purposes. The reporting of a bankruptcy indicates that the court or entity in question disclosed this information without my permission. I disputed this matter but did not receive a response from either the credit bureaus or the court, leaving me with this complaint as my only alternative to resolve the situation.

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 2024-08-27 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation