vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-11 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: IL

Complaint narrative:
I am writing to complain to EXPERIAN about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX  XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XX/XX/. The FTC report numbers related with this complaint XXXX have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

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 2024-01-11 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:
I'm XXXX XXXX, and I'm writing to discuss some issues with my credit report that I received from your agency. 

I recently discovered that my personal information was shared with a third party without my permission. This seems to go against the rules outlined in the Fair Credit Reporting Act. According to my understanding of the law, I have the right to know and control who gets my personal information. However, my report shows that some details were shared without giving me the chance to say no. 

I want to clarify that my problem is not with the companies I owe money to but with your agency for sharing my information without asking me first. According to the law, you're supposed to get my written consent before reporting my personal information, and I haven't given that consent. I'm asking for proof that I agreed to this, as required by law. 

I've also reported this issue to the Federal Trade Commission, and my complaint number is XXXX. I'm worried that this unauthorized sharing of my information might be a form of identity theft. 

I'm formally requesting the removal of the following accounts from my report within four business days : XXXX XXXX XXXX- Account Number : XXXX XXXX & XXXX XXXX - Account Number : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX I've also noticed some unauthorized inquiries on my report. I'd like these removed as well : XXXX XXXX  XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX  XXXX- Inquiry date XX/XX/XXXX XXXX XXXX XXXXXXXX - Inquiry XXXX XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX XXXX XXXX - Inquiry date XX/XX/XXXX I want to make it clear that I have the right to a fair and accurate credit report. Removing these accounts is crucial for correcting the mistakes in my report. 

Additionally, I'm asking for documentation on how you verified the disputed accounts and proof that I had the option to opt out of having my information reported. 

I expect you to address this matter promptly and resolve the dispute within four business days. If not, I may have to take further legal action.

Thank you for your quick attention to this issue.

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 2024-01-11 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Could, the company provide, original contract.Original Document means the initially prepared written document or any counterpart intended to have the same effect by the creator.Original Document means the initially prepared written document or any counterpart intended to have the same effect by the creator.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: OH

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 non-monetary relief
Consumer complaint received 2024-01-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
Capital one has not applied my payments to my accounts. XX/XX/2023 a payment of {$930.00} on one account and {$2000.00} on another account. On XX/XX/2023 was the last date I mailed in 3 payments of {$5000.00} on the 2 accounts that weren't applied on my accounts and was sent certified mail with my payment coupons. Still no actions from them to apply my payments to my principal account. They never sent back any payment coupons that I sent in, nor did they apply any of the coupons to my account. If they didn't send them back then they have accepted them and have yet to apply the payments to my account. The negotiable instruments have been filled out and endorsed by me the living being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX my date of birth is XXXX. I have reached out multiple times to Equifax about the fraud alert that is continued to stay on my consumer report. I was given multiple confirmations that the fraud alert was removed off of my consumer report. I have reached out multiple times I was given this confirmation number after speaking with a representative by the name of XXXX conformation XXXX XXXX was to remove all indicators and blocks on my consumer report. I recently reached out to XXXX XXXX, also to my credit union and other lending institutions, which say that there is no file whatsoever that comes up. My file has been completely blocked out and in which where there is no information that is given to potential lenders under the fair credit reporting act 15 USC 1681B permissible purpose I have not given Equifax consent to place a fraud alert on my consumer I spoke with the representatives and after speaking with them, no one seem to understand how to remove this fraud alert from my consumer report. I have asked them to investigate multiple times in which they violated 15 USC 1681| ( A ) ( 1 ) ( A ) ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report 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.So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Citizens Bank promoted and promised an interest rate of 5.5 percent on {$25000.00} increments of new money. When I got my first monthly statement after depositing {$100000.00} dollars of my life savings, the interest rate was 5.37 percent and not 5.5 percent as customers were lead to believe. Im a XXXX XXXX and feel that Citizens Bank took advantage of me. I never would have moved my money there. 
XXXX XXXX XXXX Citizens Bank is located at : XXXX. XXXX XXXX XXXX, RI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: GA

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 non-monetary relief
Consumer complaint received 2024-01-11 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: CA

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 XXXX XXXX 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 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 non-monetary relief
Consumer complaint received 2024-01-11 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: CA

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 2024-01-11 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: NJ

Complaint narrative:
For the past two years I have disputed my personal name, address and accounts that were in clear violation with reason and code to TransUnion and XXXX to which they updated with no change or verified without providing any information on how they verified the information. These two companies are not doing any investigation and when I called XXXX XX/XX/2023 I was actually told by a customer service representative that one of my accounts was verified by the actual Account that was in dispute. I asked them how can an account in dispute investigate their self? She said that that was their process.

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 2024-01-11 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: MI

Complaint narrative:
See the attached documents.

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 2024-01-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-11 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: TX

Complaint narrative:
my loans have been discharged and is still on my report. i am homeless and this is keeping me from getting 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 non-monetary relief
Consumer complaint received 2024-01-11 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:
my loans have been discharged and is still on my report. i am homeless and this is keeping me from getting a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased a XXXX XXXX XXXX dishwasher and professional installation of the dishwasher from merchant XXXX XXXX via their website XXXX  on XX/XX/XXXX. My American Express credit card was charged {$960.00} and the charge appeared on my XX/XX/XXXX billing statement as THE XXXX XXXX # XXXX XXXX FL. 

On XX/XX/XXXX, the dishwasher was delivered and installed in my home. However, the dishwasher that was installed was a black and steel/gray dishwasher that was not the machine I ordered nor did it match the photos of the dishwasher on the merchants website. After the technicians refused to return the dishwasher to the store and re-deliver the correct item we ordered, I contacted XXXX XXXX customer service for assistance. 

From XX/XX/XXXX to XX/XX/XXXX, the XXXX XXXX XXXX led me to believe they had every intention to re-deliver the correct dishwasher which I ordered or refund me for not having received the dishwasher I ordered. However, the merchant refused to re-deliver the correct black dishwasher and did not offer to correct the billing error of {$960.00}. 

I sent credit card issuer American Express an official letter to dispute the transaction since I did not receive the item I paid for as described and photographed on the merchants website. The letter was sent to American Express Billing Inquiries Department on XX/XX/XXXX vis USPS certified mail with return receipt requested and the letter was received and signed for by American Express on XX/XX/XXXX. 

Although the dispute letter contained extensive and conclusive evidence that I did not receive the dishwasher I purchased from the merchant and although it was received by the merchant on XX/XX/XXXX, as of XX/XX/XXXX, the billing error still appears on my credit card statement. The merchant XXXX XXXX did not acknowledge my dispute in writing within 30 days of receiving it as they are required to do so under the Fair Credit Billing Act nor did they complete a reasonable investigation.

Please direct American Express follow the Fair Credit Billing Act by acknowledging my dispute and by investigating the billing error which has not yet been corrected. Please also inform American Express that if they deny my billing error inappropriately or without conducting a reasonable investigation, I intend to file a lawsuit to enforce my rights. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: FL

Complaint narrative:
On XX/XX/XXXX, I was in the XXXX XXXX, and the American Express ( Amex ) representative offered me an Amex card. If I accepted the card by paying US {$250.00}, I would receive XXXX Delta Airlines miles as long as I spent US {$3000.00} in less than XXXX months. I told the representative I had an Amex card until XX/XX/XXXX. He told me I would be OK because it had been over XXXX years since I had the old card. I went with the promotion and was given the Amex card number XXXX, valid until XX/XX/XXXX. I spent US {$6100.00} until XXXX and paid the annual fee in my first payment. When I contacted the representative today, XX/XX/XXXX, in the call center, she told me Amex would not give the miles and would refund my annual fee because I had a card before. The attendant provided me with the ticket number of my call as XXXX. Unfortunately, it seems the representative lied in the airport, or Amex needs to act more honestly. I decided to sign the Amex card again because of the offer, and they are not honoring their terms. I would appreciate your help as Amex can solve this matter they created. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief