vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have sent a letter and got a generic response saying that they were unable to process my request. The reason they gave for closing the account is not accurate.My reward points should be returned to me. 

Here is part of the letter I sent to Amex .... 

I am writing to formally request the restoration of the reward points that were removed from my account following the closure of my XXXX XXXX account, ending in xxxxx. I was taken aback by the closure, especially given the circumstances. 

The reason provided for the account closure, as stated in the letter I received, is that it was due to the manner in which I acquired event tickets. Specifically, I made a purchase in XX/XX/XXXXXXXX  for concert tickets totaling {$1100.00}. I suspect the issue might be related to another individual on my account whose accounts were canceled simultaneously ; this person had not used the card assigned to them in over two years. 

Upon discovering the closure of my account, I contacted American Express and was initially informed that I could redeem my accrued points for gift cards. However, after receiving an email with a link for redemption values and attempting to redeem my points the next day, I was informed that my points had been forfeited. This contradicts both the initial information provided and the letter stating that points could be redeemed for 90 days by calling XXXX. 

The points accumulated on my XXXX XXXX account total over XXXX. These points were earned with the intention of funding a significant family trip during retirement. The unexpected forfeiture of these points has caused considerable distress, XXXX, and financial hardship. 

Given my longstanding relationship with American Express since XXXX and the unjustified nature of the account closure, I respectfully request a review of this matter and the restoration of my accrued reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Chime Financial Inc
State: WV

Complaint narrative:
Chime has a new XXXX feature. 

At first it was working as outlined in the agreement. I would borrow my full amount of credit limit, they would take it out of my next direct deposit and then the full credit limit would be available. Now they take the full amount due, do not release the full credit limit causing a financial hardship. They will not give me an option to opt out of the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
A few months ago my Equifax file just disappeared. Everything just gone into thin air, then some things slowly came back but only current accounts. All old inactive history, accounts and inquiries are still gone ( like someone pushed the delete button on my whole profile ). Now I cant even access my Equifax at all, on any platform everywhere I try just says error or something similar. 

Ive tried calling, they never pick up. 
This is a huge problem that needs to be fixed asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX XXXX, 2024 I made a Cash Deposit of {$300.00} at XXXX in order to cover XXXX " pending '' payments of {$120.00} each to XXXX. However, I received an email from PNC later that same afternoon at XXXX showing that my account now had a balance of {$240.00}, and when I logged on to the PNC website, I saw that the reason why was because PNC had returned the XXXX payments to XXXX XXXX hours later, AFTER I had already made the cash deposit. Why would they do that, especially after I had made a cash deposit earlier that same morning? PNC states that you have until either XXXX or XXXX the next business day to make a deposit if your account becomes negative, and to avoid any fees or returned items. I have included screenshots of my account and deposit, along with a text message that I received today from XXXX  advising me to contact them because of my payments being returned. I was told that it could cost me {$70.00} to reconnect my phone lines should they disconnect them due to the fact that PNC had returned my payments. Absolutely absurd!!!! 

I honestly don't understand why the CFPB and the OCC continue to allow the financial institutions in this country to blatantly wreak havoc and steal from their depositors without any type of repercussions or responsibility. These banks have absolutely NO REGARD for their customers and continue to steal millions of millions of dollars from their depositors every year in bogus fees, which is nothing more than CORPORATE GREED and legalized theft!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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: TX

Complaint narrative:
I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Are reporting inaccuracies

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 2024-08-28 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: TX

Complaint narrative:
I received a copy of my consumer report on XX/XX/year> and I noticed there are some inaccuracies reporting to my report! According to he FCRA and 15 usc 1681 I, when a consumer reporting agency crates a consumer report is should follow reasonable procedures to assure the maximum possible accuracy of the information concerning the person in which the report is reporting about! An also conduct a procedural investigation These accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Are reporting inaccuracies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: AZ

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

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 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advantage Financial Services of Covington, LLC
State: LA

Complaint narrative:
As I was reviewing my credit report, I noticed Advantage Financial Services reported that I was 30 days late for payment on XX/XX/year> According to Law for a late payment. 
15 USC 1666b ( a ) Timing of payments ( 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. 

I was not informed by mail or email and would like the late payment reported to credit agencies from XXXX and XX/XX/year> to be removed from XXXX 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 2024-08-28 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: NV

Complaint narrative:
I have accounts that I do not recognize on my credit rort from XXXXXXXX XXXX I can't find any records of ever doing any business for credit with this copy. Please send me any type of proof of claim for this account the is an obvisously in 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 non-monetary relief
Consumer complaint received 2024-08-28 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: NV

Complaint narrative:
I have accounts that I do not recognize on my credit rort from XXXXXXXX XXXX I can't find any records of ever doing any business for credit with this copy. Please send me any type of proof of claim for this account the is an obvisously in error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: MA

Complaint narrative:
This account called XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX : XXXX Account # XXXX should removed from my credit report. I'm not legally responsible for this account and I do not recognize this account. I called the credit bureaus the other day try to remove this account of my credit report. I'm going to upload my Massachusetts ID card and Social Security card to try to verify my identity and prove that this account should be deleted 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 2024-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Navy Federal charged interest fees that they did not earn.I made several payments in larger amounts and I was still owed the same amount of interest as if I never paid at all. My loan was paid off and they are still requiring me to make the last payment. I can no longer see my transaction history but I consistently paid XXXX per month, about XXXX above my payment amount .I called several times asking for amortization schedule but never received it and I also asked that my additional payment be applied to my principle. even though I paid additional it was applied to interest instead of principle. I believe that I am owed money on this loan.

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 2024-08-28 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: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/scrub>/24 I sent XXXX, Equifax, and XXXX a dispute about some on my account that have been defaming my character and causing me financial hardships due to the reporting. It has been over 30 days and they have yet to correct this issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-28 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: MA

Complaint narrative:
I want to dispute an account in collection that I see on my credit report. The account is called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX. Date opened is XX/XX/year> in accordance to what I see on my credit reports. The balance is for {$180.00} but this is not my account and should be deleted/removed from the Experian, XXXX, and XXXX credit report. I'm going to upload a Massachusetts ID card and a copy of my social security to help verify my identity. I've called XXXX XXXX already and verified my social security with them and they said it not my account based on my social security number.

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 2024-08-28 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: CA

Complaint narrative:
I noticed unauthorized inquiries on my Experian and XXXX accounts. 

I called them both on XX/XX/XXXX and XXXX/XXXX/24 and two more times. 
Experian said they are unable to dispute and remove unauthorized inquiries on my account and instructed me to call the creditors to have them send Experian a letter to remove the unauthorized inquiries. This is not the process in which I was able to remove unauthorized inquiries before. I spoke to other agents about 3 more times and they all did not help. 
I sent dispute letters by certified mail to the credit bureaus, delivered on XX/XX/XXXX24. 
I called XXXX  XXXX XXXX on XX/XX/XXXX24. The claim number is # XXXX and they said it would take 5-7 days for them to investigate and send Experian the requested letter. Nothing. I called XXXX  XXXX XXXX on XX/XX/XXXX24 and they said it would take 5-7 days for them to investigate as well and send Experian the requested letter. Nothing also. 

Meanwhile, I created FTC reports for all of the creditors ( see attached ) and stated the issue about the unauthorized inquiries on my report. I mailed the information to the bureaus as they requested, with certified mail, delivered on XX/XX/XXXX24. 

I called XXXX  and XXXX again on XXXX/XXXX/24 stating that I mailed in letters and FTC disputes. XXXX said it's still pending. And XXXX said the accounts resolution team would email me a letter that I can send to Experian. I received nothing. I called XXXX again on XX/XX/XXXX24 and they didn't have an answer. I called XXXX on XX/XX/XXXX24 and they said they will check on the issue again ... .I have not received or heard anything from them at all. 


It's ridiculous that I have to go through these measures to get something removed off my credit profile that wasn't supposed to be there, with staff unwilling to help with any urgency.

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 2024-08-28 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: OH

Complaint narrative:
MY PERSONAL INFORMATION WAS INVOLVED IN BOTH XXXX AND XXXX DATA BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX or XX/XX/XXXX of this year, an account was opened with Montgomery Ward fraudulently by my ex wife using identity theft. The account was opened using my full name, my Social Security number, and her mailing address. She ordered an item from the company to be delivered to her home, using my name as the ordering person. XXXX was never made on this item, and the account and line of credit was never evident to me until I received notification that my credit had taken an almost XXXX point hit because of a 60 day nonpayment notice. The item was delivered to her residence, accepted by her, but never paid for in an effort to harm my credit. A police report has been filed, but this issue is not resolved. 

The item charged was a drink dispenser for {$74.00}. I have notified XXXX XXXX and they have opened a fraudulent investigation. However, damage has been done to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
After sending a lot of Dispute Letters regarding the BANKRUPTCY on my account, it still reporting on my credit report. It is hurting my credit score so much. This BANKRUPTCY is NOT mine. Please REMOVE it from my credit report IMMEDIATELY! I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XX/XX/year>2024 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-28 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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