vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-31 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: AL

Complaint narrative:
I applied for the XXXX XXXX XXXX American Express XXXX on XX/XX/year>. When I applied, the Welcome Bonus I signed up for stated that I would be awarded XXXX bonus miles when spending {$2000.00} within XXXX months, and would be awarded a {$500.00} flight statement credit when purchasing a XXXX flight within the first XXXX months. After receiving the card, I purchased a XXXX flight on the card worth {$1000.00} USD within the next hour. 

On XX/XX/year> I called and spoke with XXXX because I was seeing no proof of my welcome bonus on any of my account. He confirmed that I did have the welcome bonus, but would see the miles after XXXX weeks and the statement around the same time from XXXX. He recommended I call back to XXXX and Amex sometime after XX/XX/XXXX if nothing appears on the account at that time. 

On XX/XX/year> I called XXXX and was told that it would have to be handled on Amex 's side. I called Amex and spoke with a woman and she told me that she could not see any offers on my account, but would escalate it to see if my offer was pending, and that I would hear back within XXXX days. I did not hear back, but did receive the XXXX miles within the day. I called again on XX/XX/year> and asked about the status of the issue. I was told that the {$500.00} flight credit was still now showing on my account, and was being escalated ( again ) and would need to wait another XXXX days before hearing back from the escalation team. Again, I did not hear back from the team. 

I called on XX/XX/year> and requested an update on the issue, as I had not heard back from anyone and my next payment is due XX/XX/XXXX. I was told that the offer was not on my account, and apparently the escalation team determined that only the XXXX miles offer was on my account, but not the credit statement, even though previously XXXX confirmed I did have it. I asked to please speak to a manager or someone on the escalation team. The customer service rep stated that he filed a request for a complaint call, but would not re-escalate the issue. I was told that I would hear back within XXXX days. 

I have never received any of the promised contact back from Amex, though having requested it multiple times. I have been told that the welcome bonus both is and isn't on my account, and that " daily fluctuating offers '' made it challenging for them to confirm the offer I was given. I have gone through my snapshots and cache on my computer and found screenshot proof of the offer I had been given, as well as even going to the website with a new IP address and being offered an even better deal than before ( XXXX miles and a {$500.00} credit ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX the company 's above reported delinquent accounts to my credit profile I have never attended, purchased or done business with the company 's listed in this report I have attached a copy of what what has been reported to my 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 2024-10-31 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: CA

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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

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

Company 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 2024-10-31 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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: TN

Complaint narrative:
These accounts were not authorized or initiated by me, and it is unjust for me to be responsible for them. I implore you to promptly correct this error.

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 2024-10-31 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 have tried to reach out to the Experian credit reporting agency everyday isnt i realized my identity had been stolen and then they have sent me a email accusing me of lying about my identity theft and didnt allow me to defend what ever information that they where getting didnt provide me with info I cant. See if it was taken off or not they have been very one sided and seem to favor the companies and not the truth and dragging this out i know just because Im on the XXXX  and dont catch on as fast i know when something is not right ive been trying to lear these things with them for over six months then i went to the library and they explained that i was battling the identity theft so Im learning the steps slowly but surely but i would have known if they would have helped me six months ago when i was trying to reach put and if they would have put the note explaining a lot of ppl have my information and i have been in data breaches the note on the account would have prevented the misuse of information and the approval of accounts I dont have a aretaker as of know because my grandmother has passed Im working o getting help through services in my area before my family steals the rest of my belongings.

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 2024-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I received a check in the USPS priority mail for the amount of {$9800.00} on Thursday, XXXX XX/XX/year> and then went to Wells Fargo Bank and deposited the check ( {$9800.00} ) into my personal checking account. On Friday, XXXX, XX/XX/year>, Wells Fargo Bank cleared the amount in my checking account. As part of the employment scam, I was contacted by the scammer with instructions to wire-transfer {$7200.00} to a XXXX XXXX XXXXXXXX account in XXXX, TX XXXX . With the assistance of Wells Fargo Bank Manager, I transferred {$7200.00} to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ; Account # : XXXX ; Routing # : XXXX ; Bank Address : Bank XXXX XXXX, XXXX, TX XXXX ; Beneficial Address : XXXX XXXX XXXX, XXXX, TX XXXX, for the amount of {$7200.00}. On Tuesday, XXXX XXXX, I went to use my debit card and was denied because of insufficient funds. On Wednesday, XXXX XX/XX/year>, I went into my Wells Fargo Bank and met with the Wells Fargo Bank Manager who previously assisted me with the wire-transfer, we both found out that the checked that was deposited into my personal checking account was a fraud. So Wells Fargo depleted all the money I had left in my Wells Fargo Checking and Saving accounts. I am now in the red for {$11000.00} along with penalties that are accruing every time an auto bill payment attempts to retrieve funds for all of my many bills that are due.

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 2024-10-31 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: U.S. BANCORP
State: CA

Complaint narrative:
This account is fraudulent. The account was previously deleted with all three credit bureaus XXXX, XXXX  and XXXX. However, XXXX  is the only credit bureau that has reopened the account and it needs to be removed immediately.

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 2024-10-31 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2024-10-31 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: AZ

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-31 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX {$110000.00}, XXXX XXXX {$14000.00}.

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 2024-10-31 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in fact, therefore exist.. ( please remove this account before I seek litigation for defamation of character ) XXXX XXXX {$110000.00}, XXXX XXXX {$14000.00}.

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 2024-10-31 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: CA

Complaint narrative:
Complaint for Card Ending XXXX Summary : I am filing a complaint regarding the card ending in XXXX. My dispute for this card was submitted alongside disputes for XXXX other Chase credit cards, including the card ending in XXXX, on the same date in XXXX 2024. While Chase acknowledged all three submissions, only the dispute for card XXXX saw any resolution or movement. The card ending in XXXX has not shown any progress or action since the initial acknowledgment date, which is well beyond the timeframe mandated by the Fair Credit Billing Act ( FCBA ). 

Details : XXXX. Dispute Submission Date : XXXX 2024. 
XXXX. Issue : Despite acknowledgment from Chase, there has been no movement or progress on the dispute for card XXXX, even though similar disputes submitted simultaneously for the card ending in XXXX have been partially addressed. ( XXXX ) XXXX. FCBA Violation : Under the FCBA, Chase is required to acknowledge disputes within 30 days and resolve them within XXXX billing cycles ( or 90 days ). This has not been done for the dispute related to card XXXX. 
XXXX. Additional Context : The disputes relate to breach-of-contract claims, not billing errors. These breaches involve misrepresentations and service failures on the XXXX XXXX XXXX platform, as documented in my submissions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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: NY

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: NY

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-31 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:
In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX Account XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have identified accounts on my credit report that I did not authorize or open. These accounts are fraudulent and do not belong to me. I have contacted the credit bureaus and creditors to resolve this issue, but these accounts remain on my report. I am seeking assistance to have these unauthorized accounts permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 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 recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-31 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: NY

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible. SEE ATTACHED.

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 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: IL

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : late payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Employers : XXXX XXXX  Employers : XXXX XXXX  Name : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief