vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
In a separate complaint using CFPB portal vide complaint number : XXXX, American Express had provided a response, which is incorrect and false. Their reply was : " Your account received several merchant refunds as shown in your correspondence attachment which brought the spending threshold below the offer requirement. As a result, we reversed the {$300.00} statement credit to your account on XX/XX/2022 which will be reflected on your upcoming billing statement. We sent you the enclosed email the same day notifying you of this. The terms of the welcome offer state, if you cancel or return purchases you made to meet the Threshold Amount, we may take away the statement credit from your account. '' However, this information provided by them is totally incorrect and false. 
After the {$300.00} credit was applied to my account, there has been absolutely zero merchant refunds which have brought my spending threshold below the offer requirement. The {$300.00} was credited to my Credit card on XX/XX/2022. I challenge American Express to show me any merchant refunds after XX/XX/2022 which they claim has brought the spending threshold limit below the offer requirement. There is none, and I re-state, zero merchant credits after the credit of {$300.00} promotional bonus. American Express had carefully evaluated all my transactions prior to XX/XX/2022, and only after that they decided to aplly the promotional bonus of {$300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian credit reporting agency has indicated my credit score has dropped XXXX  points on XX/XX/2022. On the same date, Experian has reported that my credit balances have dropped, my credit utilization percentage has dropped, my payment history is excellent. It is illegal to report unfairly and not one single creditor has reported negatively to my credit reporting agencies. Therefore, Experian is required to fix the disparity and provide remedy to the decreased credit score. Computer algorithms are the new excuse as to why consumer credit scores are inaccurate, however the damage is affecting my ability to purchase a home.

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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I purchased an XXXX  computer from XXXX XXXX affirm. On the day of delivery I received an email stating that the package was delivered, I knew not to be true cause I was sitting on my porch waiting for the product. Once I realized my package was delivered elsewhere, I immediately contact Affrim who told me it would be resolved in 2 weeks due to an investigation. After 2 weeks I was told by Affirm there is nothing they can do and it will be reported on my credit if I didn't pay. After countless phone calls, a derogatory impaction was submitted to my credit score by the debt collector XXXX XXXX, who told me that they have no control over the debt but to do what Affrim tells them to do. This whole process has been a year-long process of false and unfair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
My name is XXXX XXXX I am a living human with all the rights afforded to me by the federal legislative acts set forth to protect the consumer 's. This complaint is NOT a duplicate and is being writing by XXXX XXXX XXXX using his own mind without the help of any outside sources. 

THIS COMPLAINT IS BEING LODGED AGAINST TRANSUNION ON THE GROUNDS THAT 1.I AM UNABLE TO VIEW MY CREDIT REPORT 2 THE ACCOUNTS THAT SHIW ARE NOT ALL THERE 3.I AM PAYING TRANSUNION FOR A SUBSCRIPTION THAT I CAN NOT VIABLY USE BECAUSE OF A MISTAKE MADE ON THEIR PART I SUBSCRIBE TO THE TRANSUNION CREDIT MONITORING SERVICE WHERE YOU ARE ABLE TO SEE YOUR TRANSUNION CREDIT REPORT AND ALL OF THE ACCOUNRW YOU HAVE THAT REPORT TO TRANSUNION ALONG WITH THE ACCOUNT STATTUSES. 

as of roughly XXXX weeks ago when I log on and enter my credentials to log on, it logs on as it should but when you go to Acconnts aor report, it shows my report as having XXXX accounts XXXX late XXXX XXXX No charge off or bankruptcy XXXX XXXX XXXX closed accounts I HAVE CALLED TRANSUNION ON SEVERAL OCCASIONS DAY XXXX THEY HUNG UP ON ME 3 TIMES SO I GAVE UP DAY XXXX I CALLED REACHES A CUSTOMER SUPPORT AGENT WHO DAID THEY WERE GOING TO TRANSFER ME AND ALL IT DID WAS RECYCLE ME TO THE MENUE TO VERIFY MY IDENTITY DAY XXXX TALKED TO A CSR ATTEMPTED TO TRANSFER AFTER SEEING MY CREDIT REPORT WAS INCORRECT BECAUSE THEY SAID THEY XOULD SEE MORE THAN 20 ACCOUNTS, UPON TRYING TO TRANSFER WAS HUNG UP ON, I CALLED BACK 5 ADDITIONAL TIMES THAT DAY ONLY TO BE HUNG UP ON XXXX ADDITIONAL TIMES I WISH TO BE COMPENSATED FOR THE MONEY SPENT ON A SERVICE THAT I CAN NOT USE, TRANSUNION CHARGES YOU FOR EVERYTHING INCLUDING TO SEEING YOUR OWN SCORE SO I WISH TO BE COMPENSATED FOR THAT AS WELL AS MY INABILITY TO APPLY AND BE APPROVED FOR VARIOUS FORMS OF CREDIT BASED ON THE FACT THAT THEY HAVE MY CREDIT REPORT SHOWING THAT I HAVE TO CREDIT HISTOET THEREFORE SHOWING THAT I AM NOT AS CREDIT WORTHY, THE IN ABILITY TO APPLY FOR CERTAIN FORMS OF CREDIT HAS COST ME CLOSE TO {$1000.00} DOLLARS IN THE LAST XXXX WEEKS BEING THAT I JUSGT BOUGHT A HOUSE BOUGHT I HAVE HAD TO PAY A DEPOSIT ON EVERY UTILIty wich totals {$890.00} I either to be compensated for their mistake and would like to have my credit report fixed 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 explanation
Consumer complaint received 2022-12-15 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: VA

Complaint narrative:
Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX services ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX ; XXXX # : XXXX, has violated my rights. 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 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 or 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 data is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: VA

Complaint narrative:
Under the Fair Credit Reporting act. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX XXXX  ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX XXXX ; XXXX # : XXXX, Account name : XXXX ; XXXX # : XXXX, has violated my rights. 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 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 or 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 data 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 2022-12-15 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Klarna AB
State: TX

Complaint narrative:
I have an account with Klarna, and with whom I have active loans. However, I attempted to user existing credit to make a purchase but Klarna decline me for the following reasons : " After carefully reviewing your request, we weren't able to approve this purchase because we couldn't verify the personal details you provided. Please check that your details are correct before trying to use Klarna again. '' XXXX - this lacks specificity, what information was suddenly unverifiable? 
XXXX - this is a farce! They declined me because I refused to link my bank account through a third party. I should not have to provide my bank account information, and I shouldn't have to agree to preauthorized XXXX to get a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
in accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX Balance XXXX 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. 

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.

This company is a collection company but has this account listed as " open '' based on the FCRA a collection is not legally an " open '' account. I have requested documents from this company asking for validation that I have a signed contract with XXXX XXXX XXXX, and they failed. The account inaccurate shows me as a " cosigner '' but has failed to send accurate and verified documentation. This company is based in South Carolina and not authorized to legally collect debt in my state of residence.

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 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Receivables, Inc.
State: TN

Complaint narrative:
XXXX XXXX sent dues to collection agency after Id cancelled as I was moving to a different state. The gym had continued charging me and eventually sent the dues to Collection Receivables , Inc. To finalize and resolve the issue, I decided to pay the amount due months ago to Collection Receivables , Inc. After paying off, I asked them to not contact me again. Several times a couple of months later, I was still receiving emails and occasional calls from them so I decided to call them and ask them why I was still being contacted, they said the notifications were sent by error ; that I didnt owe anything and that I would no longer be contacted. Today, XX/XX/2022, I received another email telling me that I was being contacted to collect a debt with an attachment for an offer to pay off dues for a lower than owed amount

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I've sent Letters to all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports.

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I've sent Letters to

all 3 major Credit Beaurus concerning certain accounts that are reporting on my account inaccurately. They sent me letters back stating that the accounts have been verified. I then in return sent the company Letters requesting to show their verification method. It has been 30 days and they have yet to send a letter back showing how they verified the account. Per the Consumer Laws I have a right to know how these accounts were verified and failure to disclose that information results in the Credit Beaurus removing these accounts from my credit reports.

This has ben passed the 30-day legal limit and therefore these accounts in question should be removed from my credit report 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 2022-12-15 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: NV

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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX., has violated my rights. 

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.

15 U.S. Code 1681n - Civil liability for willful noncompliance. 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: NY

Complaint narrative:
I got multiple calls and messages from a company name I.Q. data International about a debt they purchase from another company that claims I owe them money they obtain my private information called my ex wife and family members even my old job looking for me after I told them I didnt make any business with them or gave anyone permission to give out my information but have reflected negative information with the 3 credit bureau that has affected my credit.

They claim I owe them {$17000.00} and it keep going up every month. They reported to the credit bureau on XX/XX/2018

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Account shows as past due when the account has been in forbearance since the pandemic. Now the account has appeared on my credit and has effected my credit score.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
Account shows as past due when the account has been in forbearance since the pandemic. Now the account has appeared on my credit and has effected my XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/2022, Our company wrote and mailed a XXXX XXXX XXXX XXXX XXXX check to XXXX XXXX XXXXXXXX in the amount of {$3500.00}. On XX/XX/2022 that check was deposited into XXXX XXXX XXXX XXXX ( BMO Harris Bank NA ). XXXX XXXX, XXXX has indicated via sworn affidavit that they never received the check. To date, XXXX XXXX XXXXXXXX XXXX has yet to identify how a stolen check was deposited into an account that is not XXXX XXXX XXXX From our prospective, to resolve this issue should be very simple, but more importantly, the fraudulently deposited check should be reimbursed 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 explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
My husband left me in XX/XX/XXXX. He stopped paying mortgage and trustee payments, which defaulted mortgage and XXXX XXXXXXXX bankruptcy. I filed an application with the XXXX  XXXX XXXX in XX/XX/XXXX prior which is still currently pending. The mortgage company XXXX XXXX and their attorneys and the XXXX XXXX XXXX are aware of the application and are still proceeding with the auction sale on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: GA

Complaint narrative:
XXXX XXXX XXXX has failed to report to the credit reporting agency the true and accurate information on my report it is against the law to report fraudulent information attached is a letter from XXXX XXXX XXXX saying that they account is paid in full and that they are refusing to send me my XXXX oid XXXX and XXXX tax documents, even though they said in the letter that they only send those documents to people who owed them debt. Also they failed to provide the XXXX of my XXXX XXXX account so i only think that they have something to hide. I demand the ledger of the account along with the XXXX i request. So can i get treated equally with full faith and credit.

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 2022-12-15 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: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
Got a fraud alert from XXXX XXXX  about a credit inquiry with XXXX. Someone used my information to apply for comenitycapital/mycash card. I was advised to report the incident with you. I don't know how someone obtained my personal information and certainly not shared it with anyone.

Company response to consumer: Closed with non-monetary relief