vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I am writing to file a formal complaint against the XXXX XXXX XXXX regarding deceptive advertising practices and the incorrect application of a promotional interest rate to my account. 

Details of the Incident : Purchase Information : Item : XXXX XXXX Purchase Date : XX/XX/XXXX Order ID : XXXX Purchase Amount : {$1700.00} Advertised Promotion : At the time of purchase, the XXXX XXXX XXXX was promoting 0 % financing for 18 months on XXXX products priced over {$990.00}. My purchase of {$1700.00} should have qualified for this offer. 
Issue Encountered : XX/XX/XXXX : Upon receiving my statement, I noticed that the 0 % promotional rate was not applied. I contacted customer service, and they assured me the promotion would be added to my account. 
XX/XX/XXXX : A promotion was applied ; however, it was for 12 months of 0 % financing instead of the advertised 18 months. 
XX/XX/XXXX : I contacted customer service again to address the discrepancy. They refused to correct the error, attributing the mistake to my oversight and denying any fault on their part. 

Impact : The incorrect application of the promotional period has caused financial strain, as I now have to pay off the balance sooner than anticipated. The primary reason for my purchase was the XXXX financing offer, which influenced my decision to proceed with the transaction. 

XXXX XXXX : I request that the XXXX XXXX XXXX honor the originally advertised XXXX 0 % financing promotion by adjusting my account accordingly. Additionally, I urge the CFPB to investigate their advertising and promotional practices to prevent similar issues for other consumers. 

Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2025-01-13 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: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2025-01-13 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:
Since I am not aware of any similar inquiries, it appears that this one is unauthorized and fraudulent. Please take immediate action to resolve this issue.

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 2025-01-13 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: Harris & Harris, Ltd.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to demand the immediate deletion of the account associated with Harris & Harris that is being inaccurately reported on my credit report through XXXX XXXX and XXXX. 
This account is not mine, and Harris & Harris is a debt collector, not the Original Creditor, as incorrectly listed. This misrepresentation violates the Fair Credit Reporting Act ( FCRA ), which requires that all information reported to credit reporting agencies be accurate and verifiable. 

Additionally, it appears that this account was not properly verified or investigated prior to being added to my credit report. This failure to ensure accuracy and compliance with the FCRA has caused significant harm to my credit profile and must be rectified immediately. 

Failure to address this matter promptly will result in further action, as this incorrect reporting violates my rights under the FCRA. 
Please take this matter seriously and ensure the appropriate corrective action is taken immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
Please delete these fraudulent accounts from my credit report, as I did not authorize their creation. Kindly correct this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: AL

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EQUIFAX }. I believe these late payments are erroneous and do not accurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: IL

Complaint narrative:
Hello, I would like to initiate an investigation into these accounts, as there seems to be an error regarding their accuracy on my credit report. Although they were removed earlier, they have been re-added without my knowledge. I have not been informed of this reinstatement and have not received any notification by ma

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MD

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 2025-01-13 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: MD

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Avant Holding Company, Inc.
State: VA

Complaint narrative:
They double charge my credit card on a hotel stay. They refuse to fix it. I sent proof of the the double charge both to hotel and credit card company no one is willing to fix the charge. I complain about the credit card because all the reviews and complaints have been about them double charging customers. I have proof if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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.
State: VA

Complaint narrative:
I have sent XXXX different letters to these companies over the last 4 months and almost feel as if I am being ignored. I still have numerous errors listed within my credit report. Please assist in making sure these investigations are being conducted properly. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: FL

Complaint narrative:
XXXX XXXX XXXX PRESENTED A FREE CHECKING ACCOUNT AT MY JOB. I OPENED THE CHECKING ACCOUNT BUT DAYS LATER I REALIZED THEY CHECKED MY CREDIT WITHOUT MY PERMISSION. I DID NOT APPLY FOR ANY LOAN NOR DID I APPLIED FOR ANY CREDIT. THIS WAS IMPROPER USE OF MY SOCIAL SECURITY IN ATTEMPT TO OFFER OTHER BANKING PRODUCTS. THIS IS AN IDENTITY THEFT ATTEMPTS AS XXXX XXXX XXXX XXXX NOT HAVE PERMISSION TO CHECK MY CREDIT. ACCORDING TO MANY REVIEWS I AM NOT THE ONLY VICTIM OF THIS ACT BY THIS COMPANY. PLEASE BEWARE

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 2025-01-13 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: FL

Complaint narrative:
XXXX XXXX XXXX PRESENTED A FREE CHECKING ACCOUNT AT MY JOB. I OPENED THE CHECKING ACCOUNT BUT DAYS LATER I REALIZED THEY CHECKED MY CREDIT WITHOUT MY PERMISSION. I DID NOT APPLY FOR ANY LOAN NOR DID I APPLIED FOR ANY CREDIT. THIS WAS IMPROPER USE OF MY SOCIAL SECURITY IN ATTEMPT TO OFFER OTHER BANKING PRODUCTS. THIS IS AN IDENTITY THEFT ATTEMPTS AS XXXX XXXX XXXX XXXX NOT HAVE PERMISSION TO CHECK MY CREDIT. ACCORDING TO MANY REVIEWS I AM NOT THE ONLY VICTIM OF THIS ACT BY THIS COMPANY. PLEASE BEWARE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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:
XXXX XXXX XXXX PRESENTED A FREE CHECKING ACCOUNT AT MY JOB. I OPENED THE CHECKING ACCOUNT BUT DAYS LATER I REALIZED THEY CHECKED MY CREDIT WITHOUT MY PERMISSION. I DID NOT APPLY FOR ANY LOAN NOR DID I APPLIED FOR ANY CREDIT. THIS WAS IMPROPER USE OF MY SOCIAL SECURITY IN ATTEMPT TO OFFER OTHER BANKING PRODUCTS. THIS IS AN IDENTITY THEFT ATTEMPTS AS XXXX XXXX XXXX XXXX NOT HAVE PERMISSION TO CHECK MY CREDIT. ACCORDING TO MANY REVIEWS I AM NOT THE ONLY VICTIM OF THIS ACT BY THIS COMPANY. PLEASE BEWARE

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 2025-01-13 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: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-13 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: NY

Complaint narrative:
Please remove these fraudulent accounts from my credit report, as I did not open them and was unaware of their existence. According to USC 1681g, I request their deletion within 15 days. Enclosed are supporting documents.

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 2025-01-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Global Tel*Link Corporation
State: DE

Complaint narrative:
I was an XXXX  at the XXXX XXXX XXXX In XXXX, Delaware, and used the ( GTL ) Global Tel LinkXXXX ( XXXX ) XXXX CoXXXX XXXX account for calling and commissary. Upon release, I had a XXXX credit due to my unused services. I had made multiple attempts to retrieve these funds in phone conversations with GTL and have been denied my refund. This conservation took place approximately XXXX XXXX of XXXX. My inmate I.D. # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: NY

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.

"

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 2025-01-13 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: IL

Complaint narrative:
To Whom It May Concern, I am writing to advise that I am a victim of XXXXXXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX.Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of XXXX.

Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a
consumer that resulted 1 of 4 from a severe form of XXXX XXXXn persons or XXXX XXXX if the consumer has provided XXXX  documentation to the consumer. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 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: MA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-13 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: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
XX/XX/year> letter 1 sent to all 3 bureaus disputing Portfolio recovery associates on my reports in the amount of {$1400.00} XX/XX/year> letter 2 sent to all 3 bureaus after being notified by email they had concluded they investigation. Disputed item to remain on my report. Letter 2 requested what verification method was used. 
XX/XX/year> letter 3 sent to all 3 bureaus demanding they remove disputed item. Not one bureau honored my request for method of verification. Two bureaus pretended they didnt receive my 3rd letter. I have verification.

There is an item on my credit report that Im disputing. I took the correct steps in addressing the issue with all 3 bureaus. I sent 3 separate letters detailing what the issue is. I know this process. The credit bureaus were not forthcoming with the requests I was making and still to this day have not given me the information I requested. By U. S. Law they are required to prove to me how they came to their results claiming the account i was disputing was mine. I asked for the method of verification they used to determine the account was in fact mine. I got no response as to what method any of the 3 bureaus used. For my third and final letter, when I demanded they remove the account in question, two of the bureaus did not even sign the return receipt card that I paid for, as proof that I indeed sent the 3rd letter. I had to go to the USPS website and download tracking information that they did receive my letters. I find this a blatant violation of my rights. They play games with customers requests to ensure the bureaus can keep their big money grubbing customers happy. This is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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