vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-09 00:00:00
Product: Credit 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: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against American Express regarding a promotional offer that they failed to honor, despite fulfilling the stated terms. 

American Express advertised an offer on their website : " Earn a one-time {$75.00} statement credit after using your enrolled eligible Card to spend a minimum of {$270.00} in one or more purchases in-store at XXXX XXXX XXXX or online at XXXX by XX/XX/2024. '' I made an in-store purchase at XXXX XXXX  XXXX on XX/XX/2024, totaling {$470.00}, using my enrolled American Express card through XXXX XXXX. However, American Express has refused to apply the {$75.00} statement credit. 

When I contacted American Express, they stated that the purchase did not qualify because I used XXXX XXXX. However, their offer terms did not indicate that XXXX XXXX, which is linked to my American Express card, would disqualify the transaction as an in-store purchase. I believe this exclusion is arbitrary and not transparently communicated in their terms. 

I have attached a copy of the offer terms from their website, which substantiate my claim that there were no such exclusions for purchases made using XXXX XXXX. 

I am seeking assistance from the CFPB to ensure American Express honors the {$75.00} statement credit as promised and advertised. 

Thank you for your time and support in resolving this matter. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: AppFolio, Inc.
State: VA

Complaint narrative:
I am writing to request validation of the debt reported under my name in your records, as permitted by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I believe that a debt has been incorrectly reported, and I am requesting that you provide the necessary documentation to validate the claim. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this item from my credit report. 

Please provide the following information for the reported debt : The original amount of the debt. 
The name of the original creditor and their contact information. 
A detailed breakdown of the charges. 
Any supporting documentation that verifies the debt, including any signed agreements or contracts. 
If you can not provide the requested validation, I ask that you promptly remove this entry from my tenant file. Additionally, please refrain from reporting any inaccurate or unverifiable information to any other credit or tenant reporting agencies. 

I appreciate your prompt attention to this matter. Please respond within 30 days of receiving this request, as stipulated by the applicable laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have gotten a loan from XXXX XXXX to purchase a Van, However in late XXXX my bank account from where the payments were made was closed. I called XXXX and gave them another bank account and a card number to make a payment but they couldn't do it. My XXXX account online did not let me make payments and I have made several calls without success. My only option is to send them a money order which was successful at first. 
In XX/XX/XXXX, my bank sent them a payment but it was rejected by XXXX, so I send them a money order and they rejected it as well and issued refund by check which I did not cash. 
Somehow in XX/XX/XXXX they accepted a payment sent from my bank and again payments sent for XXXX XXXX and XXXX kept getting rejected. I tried resolving the matter directly with them by sending them letters, faxes and phone calls but they refused and did not do anything. When I call to discuss they will put me on hold for and extended time just to transfer me to an IT department or some other department. Finally, my payments for subsequent bills were accepted after they tried to repossess the van but were not successful. Now, in all the months they were rejecting the payments, they were charging me late fees and reporting late payments to the credit bureaus. I am up to date with all the payments except the late fees they charged me. 
I need your help on this matter as the calls, letters and faxes have not resolved anything with XXXX. 

Thank you

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 2025-01-09 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: NY

Complaint narrative:
I have gotten a loan from XXXX financial to purchase a Van, However in late XXXX my bank account from where the payments were made was closed. I called XXXX and gave them another bank account and a card number to make a payment but they couldn't do it. My XXXX account online did not let me make payments and I have made several calls without success. My only option is to send them a money order which was successful at first. 
In XX/XX/XXXX, my bank sent them a payment but it was rejected by XXXX, so I send them a money order and they rejected it as well and issued refund by check which I did not cash. 
Somehow in XX/XX/XXXX they accepted a payment sent from my bank and again payments sent for XXXX XXXX and XXXX kept getting rejected. I tried resolving the matter directly with them by sending them letters, faxes and phone calls but they refused and did not do anything. When I call to discuss they will put me on hold for and extended time just to transfer me to an IT department or some other department. Finally, my payments for subsequent bills were accepted after they tried to repossess the van but were not successful. Now, in all the months they were rejecting the payments, they were charging me late fees and reporting late payments to the credit bureaus. I am up to date with all the payments except the late fees they charged me. 
I need your help on this matter as the calls, letters and faxes have not resolved anything with XXXX. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-09 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: GA

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there, also my personal information has been compromised from two companies XXXX XXXX XXXX and 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 2025-01-09 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:
Im writing to notify you I was a victim of identity theft and data breach that has impacted my credit and financial information. as such I request that you block and delete all accounts related to the following agencies from my credit report. 

1. XXXX XXXX. 
2. XXXX 3. XXXX 4. 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 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> wells fargo bank Subject : Request for Debt Validation Dear wells fargo, I am writing in response to your recent communication regarding an alleged debt. Please note that I am requesting validation of this debt, as allowed under the Fair Debt Collection Practices Act ( FDCPA ), Section 809, and any other applicable laws. 

I would appreciate it if you could provide the following information regarding the debt : The full name and address of the original creditor. 
The amount of the debt, including an itemized statement of the charges. 
Proof that I am legally obligated to pay the debt, including a copy of the original signed contract or agreement. 
A detailed explanation of any interest, fees, or charges added to the debt. 
A record of all payments made toward the debt, if any. 
Please be advised that I am not acknowledging the debt at this time and am requesting this information to verify the legitimacy of the claim. Until I receive this validation, I request that you cease all collection activities, including reporting the debt to credit bureaus, as required under the law. 

Please respond to this request in writing within 30 days of receiving this letter. Failure to provide the requested information within this time frame will result in the debt being considered invalid and will require you to cease all collection efforts. 

Thank you for your cooperation. 

Sincerely, [ Your Name ] [ Signature ( if sending by mail ) ]

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 2025-01-09 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
*Communication Summary with Portfolio Recovery Associates Regarding the Disputed Debt of $ XXXX On XXXX, I discovered a debt of ** $ XXXX reported by Portfolio Recovery Associates across all major credit bureaus. However, I believe this debt is not mine. 

To address this issue, I initiated contact with Portfolio Recovery Associates to dispute the validity of the debt. On XXXX XXXX, XXXX, I explicitly requested identity authentication, as I needed solid proof that this debt was legitimately linked to me. I asked for documentation demonstrating a direct connection, specifically requesting hard evidence such as a signature or emails from representatives that would confirm my association with the account in question. 

Following up on this matter, I reached out again on XXXX XXXX, XXXX, reiterating my need for verification and further emphasizing that the debt could not possibly belong to me. I expressed my ongoing concern about the lack of concrete evidence linking me to this alleged debt. 

As the situation progressed without satisfactory communication or resolution, I escalated my request on XXXX XXXX, XXXX. In this correspondence, I demanded the removal of all accounts associated with my name from their records and requested that they remove all reports related to this issue from the major credit bureaus. 

Since my last communication in XXXX, I have not received a response for several months, and the investigation concerning my dispute remains open. The lack of communication and resolution from Portfolio Recovery Associates is concerning, especially given the potential impact on my credit report and overall financial standing. 

-- - This summary captures the timeline and key points of my correspondence with Portfolio Recovery Associates, clearly outlining my concerns and the actions youve taken to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: TX

Complaint narrative:
Equifax 's report is behind and incorrect. My student loans were forgiven and thus should be deleted off of credit report. In addition, there are about NINETEEN closed student loan accounts that should have been removed as well!!! All other agencies have corrected this and it is normal but Equifax is just blindly sending back that its validated when the loan servicers is telling me otherwise! There are 10 XXXX XXXX accounts, 3 XXXX accounts, 3 XXXX accounts, 2 XXXX XXXX XXXX accounts and 1 XXXX account that need to be removed per forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 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: NJ

Complaint narrative:
Transuion : : Identity Theft and Fraud : This CFPB complaint has been led to request FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, then TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX & XXXX ... collections auto loan. XXXX XXXX XXXX XXXX account numbers XXXX XXXX XXXX a XXXX. An account on XX/XX/XXXX, XX/XX/XXXX XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX under the account XXXX off /a personal loan account.AND An opened XXXX XXXX XXXX A BUYER collection account that appears related to the aforementioned personal loan account opened at XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 
What would be a fair resolutio I

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 2025-01-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: GREENSKY OPERATIONS, LLC
State: ME

Complaint narrative:
I took a loan for home improvements through XXXX XXXX XXXX. I was told the loan was a fixed rate XXXX. I'm being charged a monthly finance charge on top of the interest rate. In looking at the documents maybe I'm confused but see where that is listed as a monthly fee. Since I am seeing many issues with this company and concerned

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding Experians failure to properly investigate and resolve disputes concerning my credit report. Despite previous disputes, the following accounts remain inaccurately reported : XXXX XXXX ( Date Opened : XX/XX/XXXX, Status : XXXX through Bankruptcy XXXX  XXXX ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Status : XXXX through Bankruptcy XXXX XXXX XXXX  ), XXXX XXXX  XXXX ( Date Opened : XX/XX/XXXX, Status : XXXX through Bankruptcy XXXX  XXXX late ), XXXX XXXX  XXXX ( XXXX XXXX XXXX XX/XX/XXXX, Status : XXXX through Bankruptcy XXXX XXXX late ), XXXX XXXX XXXX XXXX ( Date XXXX XXXX XX/XX/XXXX XXXX Status : XXXX through Bankruptcy XXXXXXXX  XXXX ), XXXX XXXX XXXX XXXX ( Date XXXX XXXX XX/XX/XXXX XXXX Status : XXXX through Bankruptcy XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX Status : XXXX through Bankruptcy XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XX/XX/XXXX XXXX Status : XXXX through Bankruptcy XXXXXXXX XXXX late ), CXXXX XXXX ( Date Opened : XX/XX/XXXX, Status : Paid, Closed ), XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX through Bankruptcy XXXX XXXX ), XXXX XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX through Bankruptcy XXXX XXXX ), and OFFICE OF THE ATTORNEY GENERAL ( Date Opened : XX/XX/XXXX, Balance : {$190.00}, Status : Open ). These accounts should show as Paid/Closed with no negative payment history or remarks suggesting otherwise. Additionally, Experian has closed prior CFPB complaints referencing a past legal action I initiated against them, which is unacceptable and appears to be an attempt to sidestep accountability. This practice violates federal law, specifically the Fair Credit Reporting Act ( FCRA ), and the recent CFPB lawsuit against Experian highlights systemic failures in their dispute resolution processes. I am requesting a thorough reinvestigation of each dispute, compliant with FCRA regulations and based on the documentation I have submitted previously, along with accurate corrections to all disputed accounts to reflect their proper status ( Paid/Closed, no negative payment history or remarks ). Furthermore, the CFPB must ensure Experian does not dismiss future complaints solely due to my prior legal actions against them. This matter is urgent and materially affects my ability to access financial services, and I appreciate your assistance in holding Experian accountable for their legal obligations.

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 2025-01-09 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: NC

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 account listed without my expressed written consent.

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 2025-01-09 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: OH

Complaint narrative:
My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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