vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
On XX/XX/2022 I clicked a website offer to sign up for a XXXX XXXX American Express card. The offer included XXXX bonus XXXX if I charged {$2000.00} in the first two months I had the card. On XX/XX/2022, I had charged more than {$2000.00} on the card, but did not get the bonus. I contacted American Express through the chat feature of their App, and was told that they did see that I had activated the offer for XXXX miles, but that the offer was " rescinded '' during the application process, and I should have seen a pop up indicating the offer was rescinded. There was no such pop up, and at no time did AmEx communicate that the offer was rescinded until I contacted them. They indicated they would research it and get back to me in 7-10 business days. I never heard back. 
Unfortunately, the app does not allow you to save a transcript of the text, so I then called Customer service and spoke to " XXXX '' -- she confirmed the same information : that the offer was " rescinded '' during the application. I told her I was never told it was rescinded. She " opened a case '' for me and said I would hear back fr them in 6-8 weeks. I never got any response. It's now been 13 weeks, and no one from Amex has gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Sent a card to my address in the name of " XXXX XXXX '', no one with a name even close to that lives here. I think an online scammer may have gotten the home address. I shredded the envelope completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: CO

Complaint narrative:
in accordance with the fair credit reporting act XXXX  XXXX XXXX XXXX  account XXXX auto loan date opened XX/XX/XXXX account charged off {$4500.00} written off {$5400.00} as of XXXX 15 U.S.C 1681 section A, states I have the right to privacy 15 U.S.C. 1681 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instuctions

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Hi according to my recent credit report I have find several inaccuracies including wrong name and addresses which are not correct. also figured out some wrong employer name : XXXX  XXXX XXXX, self employed Enclosed please find proof of my residence address, please remove the address of as it is inaccurate and I am concerned that this inaccurate address may create an opportunity for identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I received documentation that USBK COURT MARYALND Docket # XXXX was VERIFIED AS ACCURATE. I have an attachment listed below that came from that CFPB Complaint that file. I Received a DELETIONS Letter from XXXX XXXX On XX/XX/2022. XXXX XXXX Remove BANKRUPCTY From there consumer report. I also have a Bankruptcy letter stating the information TRANSUION received on this bankruptcy was pulled from XXXX XXXX. I need this account removed from my credit report IMMEDIALTY. Also, Below I will have the LAWS indicating all the VIOLATIONS towards this Account. 



Docket # XXXX USBK COURT MARYLAND Bankruptcy court dont report to the credit bureau XXXX PERMANENTLY DELETION 15 U.S.C Code 1681s - Reporting inaccuracies 15 U.S.C Code 1681c If I didnt comment a crime, it should not be on my credit report 15 U.S.C Code 1681b -I didnt give anyone written permission to put any thing on my credit 15 U.S.C Code 1681- Congressional finding and statement of purpose

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the following companies have violated my rights : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. states that I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Furthermore, the FCRA requires furnishers to investigate consumer disputes filed with the credit reporting agencies about the information the furnishers provided.

Section Sec. 623 ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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.

( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I have contacted TransUnion multiple times in regards to these unverified, inaccurate, and erroneous accounts, but they have refused to fix these errors.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, 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 see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, 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:
Please see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, 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 see attached Identify theft report, I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile. 
All 3 credit bureaus have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Sent several letters regarding this account. No action was taken

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, 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:
I've been going back and forth for the last few months with Experian about these particular accounts and it's ridiculous. It needs to be removed ASAP. Experian has stated my account was properly investigated but how is that possible if the information on my Dept of Education Account # XXXX is inaccurate. How was it even possible to be 90 days past XX/XX/XXXX then reflect that the account was in good standing up until XX/XX/XXXX but have the account reflect that it was 120 days late in XX/XX/XXXX this is ridiculous. The information all over the XXXX XXXX Account # XXXX is inaccurate. The high balance is inaccurate, the date of last activity is inaccuarate, the date reported is inaccurate, the date opened is inaccurate, the last payment is inaccurate, and the credit limit is inaccurate. Literally Experian is claiming the account was not charged off until XX/XX/XXXX, XXXX is claiming the account was charged off XX/XX/XXXX and they received the last payment XX/XX/XXXX, and XXXX Is claiming the last payment received was on XX/XX/XXXX. The information is all over the place. Experian is literally the only credit bureau claiming that my XXXX XXXXXXXX XXXX Account Number XXXX was closed/charge off in XXXX when it should be XXXX they have the date wrong the XXXX XXXX XXXX account is literally supposed to fall off credit this month due to the 7 year rule but they literally have the wrong information and tried add another year to XX/XX/XXXX. It has literally fallen off my other credit reports lets stop the XXXX XXXX and properly do your job Experian. This is ridiculous I shouldn't have my life XXXX near ruined due to your incompetence. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy XXXX5 U.S.C 1681 Section 602 A Section 2 : It Also states a consumer reporting agency can not furnish without my written instructions.

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 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: DE

Complaint narrative:
On an XXXX XXXX flight in XX/XX/2022, the flight attendant gave out information about a Barclays XXXX Credit Card with a XXXX XXXX bonus introductory offer if a purchase was made with the card. I opened the account and made the first purchase on XX/XX/2022. My account shows that I made the purchase and qualify for the XXXX bonus miles that would be credited into my account within 4-6 weeks. The time passed and the miles were not credited. Early XXXX I contacted Barclays and was told to wait until the next billing cycle. On XX/XX/XXXX, after my second contact they opened a case to look into the issue. I have spoken on the phone to customer support multiple times, I have been in email communication and even over XXXX XXXX with Barclays who keeps telling me to be patient and that in the next billing cycle I should be credited the rewards. I was using the card regularly with on time payments every month. It has been 5 months and 5 billing cycles and the XXXX miles have not been credited. I believe this is a bait and switch. They enticed me to open the card. I have used the card spending at least {$20.00} XXXX in the last 5 months and while the monthly miles have credited to my account, the XXXX k miles introductory offer has not.

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 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I cosigned for my with my daughter for XXXX at XXXX Apartment. I was unaware that there was a outstanding debt for from the apartment after my daughter moved out. I immediately reached out to pay the debt and the apartment complex would not take my money since it was already sent to Pro Collect Inc. I reached out to Pro Collect Inc to pay the debt and the representative on the phone assured me 100 % this collection would not affect my credit since the collection would be fully removed from my credit file within 30-45 days after my payment cleared. That is not the case. I have reached out numerous times by mail to Pro Collect Inc as well as the credit bureau 's with no resolution. This is the last place I will reach out to before I seek legal council.

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 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
I initiated a balance transfer from my Barclays credit card and received the funds. When I checked the card several weeks later, I found I was over my limit and the cause was I was charged both the balance transfer amount as well as the fee associated with the balance transfer twice. I called Barclays and reported the issue and they found that I was indeed billed twice and it would be 3-5 business days to resolve the issue. After 3 business days, they reported to the credit bureau that my account was over drawn. I called back and spoke to a supervisor and was told that it would now be 6-8 weeks to resolve the issue and when asking about a more direct resolution, I was hung up on. I called back again and was told this was a " known issue '' effecting numerous customers and that the first agent did not put the " proper notations on the ticket that was submitted '' but now that has been submitted correctly. They have no idea how long it will take to fix the issue or remove the incorrect information from 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 explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
As per my CFPB # XXXX complaint, XXXX  XXXX XXXX was deleted and removed from my XXXX consumer report for violating my federally protected rights, but still appears on my XXXX and Equifax consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The following companies are reporting old accounts that were included in my XXXX XXXX bankruptcy as accurate and as a result of that, the accounts remain on my credit report when they should have been removed. I filed a XXXX XXXX on XX/XX/XXXX, and the bankruptcy shows up on my credit report as proof. TransUnion, XXXX, and XXXX refuse to take these accounts off of my credit report due to these companies reporting the accounts as accurate. 


XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The following companies are reporting old accounts that were included in my XXXX XXXX  bankruptcy as accurate and as a result of that, the accounts remain on my credit report when they should have been removed. I filed a XXXX XXXX  on XX/XX/XXXX, and the bankruptcy shows up on my credit report as proof. XXXX, Equifax, and XXXX refuse to take these accounts off of my credit report due to these companies reporting the accounts as accurate. 


XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The following companies are reporting old accounts that were included in my XXXX XXXX bankruptcy as accurate and as a result of that, the accounts remain on my credit report when they should have been removed. I filed a XXXX XXXX on XX/XX/XXXX, and the bankruptcy shows up on my credit report as proof. XXXX, XXXX, and Experian refuse to take these accounts off of my credit report due to these companies reporting the accounts as accurate. 


XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I sent a request to Equifax to investigate Account Name : XXXX XXXX XXXX Account Number : XXXX and Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX. Equifax responded on XX/XX/2022, and said that XXXX XXXX XXXX had been deleted from my credit file but I learned later that this was NOT ACCURATE after obtaining my consumer report. XXXX XXXX XXXX was still reporting on my consumer file so I requested a reinvestigation on XX/XX/2022. On XX/XX/2022, Equifax also reported that XXXX XXXX XXXX XXXX was not reporting on my consumer file but I later learned that was NOT ACCURATE after obtaining my consumer file. This account was still reporting on my consumer file so I requested a reinvestigation on XX/XX/2022. Equifax responded on XX/XX/2022, that they completed the reinvestigation and they verified XXXX XXXX. Who is XXXX XXXX?? I did not request an investigation for this account because it is not on my consumer file. How did they do a fair and accurate investigation if they verified an account that is not on my consumer file? Equifax also responded that XXXX XXXX XXXX was verified but how was it verified if they reported to the CFPB on XXXX XXXX XXXX, that this account was deleted. Equifax has violated my right to privacy in accordance with 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 an account without my written instructions. They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( l ) ( ii ) : The law clearly states if items are found inaccurate or can not be verified the consumer reporting agency shall promptly delete the information from the consumer file. I demand that these inaccurate accounts be deleted.

Company response to consumer: Closed with explanation