vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: GA

Complaint narrative:
Despite my persistent attempts, I've encountered no resolution to these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to stress the significance of this matter to me. Should you choose to disregard my original request, which was sent via certified mail, I will not hesitate to escalate the issue to the Federal Trade Commission. I implore you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to provide such evidence will leave me with no choice but to demand the immediate removal of these items from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/XXXX I purchased five roundtrip tickets from XXXX to XXXX departing XX/XX/XXXX and returning XX/XX/XXXX using my Southwest Rapid Rewards by Chase credit card. Each roundtrip ticket was {$430.00} for a total cost of {$2100.00}. The purchase was processed a five separate transactions. 

On XX/XX/XXXX logged into the Southwest app to check the status of my trip, a big expense taking the whole family to Utah for XXXX XXXX. I immediately noticed an error message along the lines of " there's a problem with your reservation. '' I immediately called Southwest customer service and after nearly an hour on the phone, they determined that I had a reservation BUT the tickets had not been paid for. The agents stated that they'd never seen this issue before. They recommended that I cancel the original reservation and repurchase the tickets, which they offered at the same price as the original reservation. They also told informed me that I had to contact Chase to file a dispute for the original transactions. 

I filed a dispute with Chase bank the same day, XX/XX/XXXX. The issued five separate disputes ( one for each ticket ). Disputes for 2 of the tickets are listed as " Closed '' however disputes for three of the tickets are still listed as Open. 

I called the dispute department at Chase today. They stated they are still investigating the three disputes. When I asked why they Closed two of them and not the other three, the agent told me " we took care of those two but we still need two billing cycles to resolve the others. '' I then asked if they could provide temporary credit for the 3 open disputes, the agent told me that was not possible. 

Meantime, I have a HUGE credit card bill due on XX/XX/XXXX AND I'm not in a financial position to float chase {$1200.00} ( XXXX tickets x {$430.00} ). 

This is two big companies who can afford to credit me the money while they sort out their mess.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
Transunion XXXX XXXX are incorrectly reporting the account listed as XXXX XXXX XXXX. This account has not been validated as accurate because what evidence was used to verify this account as belonging to me. I have no obligation to this company and there is there is no contractual agreement between them and I. Transunion & XXXX are required by federal law to report accurate information and they are not. Furthermore Transunion & XXXX are securitizing this report to make money from the sell of my personal information and this is not authorized since I gave them no permission to profits my the exploitation of my personal data. This has caused me serious harm since this is a collection and is intentionally intended to harm my character and consumer file. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) 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. 
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citi Dividend credit card ( ending XXXX ) for 40 years and never had any balance payment problem until this payment on XX/XX/XXXX. I paid the balance online every month, but somehow, only the XX/XX/XXXX payment was returned due to non-payment from my closed bank checking account. Last year, I closed my checking account and reopened a new one. I have paid all the bills from my new checking account since. There were no problems with the payments every month until this payment in XXXX. I notified Citi about the problem : Its customer service from XXXX did not answer my question and hanged up the phone unexpectedly. Citi Bank Customer Service has been no help to any of my service requests. The Citi " External Bank Account with Citi '' has a serious flaw. In XXXX, it suddenly connected to my previous closed checking account and charged me the returned check payment fee. This pattern happened to my wife 's credit card ( XXXX card by Citi Bank ) payment also.

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 2024-04-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: MI

Complaint narrative:
I found a collection on my credit report from a company that I have no idea who it is, the creditor is XXXX and it is in collections with Payliance. I have had my identity stolen in the past, so I think this another result of that. The original amount of the debt was {$200.00} and now it is up to {$230.00} according to what is on my credit report with XXXX XXXX. I contacted XXXX XXXX but they said I had to file a report with the FTC before they could do anything, so I am trying to get some help this has damaged my credit.

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 2024-04-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have always made sure that payments on this account are made in a timely manner, never allowing them to become overdue. I am unsure about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-04-18 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I received an Amex gift card. I checked the balance and validated the card. I clicked the link to validate and print the card, which loads on XXXX XXXX XXXX  # /account and shows a balance. I attempt to use this on XXXX. And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-18 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: TX

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-04-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
My payment amount was XXXX on XX/XX/XXXX and after the company changed the fee to XXXX. This occurred with the Zales Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2024-04-18 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: FL

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: NJ

Complaint narrative:
Two fraudulent inquiries appear on my TRANSUNION credit report : XXXX ) XX/XX/2024 XXXX XXXX  and XXXX ) XX/XX/2024 XXXX XXXX I have attached the FTC fraud report for the above.

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 2024-04-18 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: NJ

Complaint narrative:
Two fraudulent inquiries appear on my TRANSUNION credit report : XXXX ) XX/XX/2024 XXXX XXXX, and XXXX ) XX/XX/2024 XXXX XXXX. I have attached the FTC fraud report for the above.

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 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
I reached out to the company that i financed my vehicle through and they have not provided me a copy of the documents I signed. They docusigned my agreement without me present. They refused to give it to me even after they took my money. now the account is not in the correct name with the bank and no one can give me an explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: VA

Complaint narrative:
I am writing to express my concerns regarding a recent issue with my account related to the spending requirement for the XXXX bonus points promotion associated with my card. I opened my account and paid the {$390.00} annual fee, understanding that I needed to spend {$10000.00} within a specific timeframe to earn the bonus points. 

Upon reviewing my account, I noticed the total new charges reached {$10000.00}, which indicated that I had met the spending requirement. Relying on this information, I was under the impression that I had successfully qualified for the bonus. However, when I did not receive the bonus points, I contacted their customer support for clarification. The agent did not inform me that my spending was inadequate but instead advised me to wait for XXXX weeks for the bonus to be credited. Now, after the eight-week period, I was informed that I did not meet the spending threshold of {$10000.00} as the annual fee was included in the calculation. 

This inclusion of the annual fee in the spending total, without clear separation or explicit communication, is not only misleading but deceptive, leading me to believe I had met the spending requirement when, in fact, I had not. Furthermore, the failure of their agent to notify me of the actual spending discrepancy during my initial contact represents a significant lapse in customer service, which has resulted in unnecessary confusion and disappointment on my end. 

Given these circumstances, I request the following actions be taken : A re-evaluation of my account activities and the misleading representation of charges that counted toward the spending requirement. 
Clear and explicit disclosure going forward on how charges are categorized and calculated toward promotions. 
Due consideration to grant the promotional bonus points in light of the misinformation provided, which significantly impacted my financial strategy and trust in their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: NY

Complaint narrative:
I do not know these hard inquires so please remove these from my credit report. Thank you. 

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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 2024-04-18 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: NY

Complaint narrative:
I do not know these hard inquires so please remove these from my credit report. Thank you. 

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Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: VA

Complaint narrative:
Something needs to be done about Transunion reporting fraud on my credit report. I have file XXXX reports about inquiries that are not mine see CFPB report XXXX and XXXX they say that they would remain on my report for XXXX years even though an XXXX report along with police report was sent to them. They are not mine and shouldnt be allowed to stay on my 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 explanation
Consumer complaint received 2024-04-18 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: IL

Complaint narrative:
I have submitted disputes to have my addresses updated and my information has not been corrected

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

Company response to consumer: Closed with explanation