vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 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: CA

Complaint narrative:
On XX/XX/XXXX, I noticed a welcome offer for the American Express XXXX XXXX card of XXXX bonus points after {$6000.00} spent within 6 months. As a regular XXXX customer for the past 20 years, this offer was very enticing but the {$650.00} annual fee very high. I decided to apply anyway. I quickly received the card and started using it. 

By the XX/XX/XXXX statement, the {$6000.00} spending requirements for this offer was reached but I did not notice bonus points being credited. I assumed it was just going to take a few weeks. 

On XX/XX/XXXX, I called Customer Service to check in on this bonus, and was told that the offer was declined with no specific reason given, only that the T & Cs gave them the right to decline the offer. I requested to cancel the card and receive a refund for the Annual Fee, which was declined.

This is extremely frustrating, I would have never signed up for this product or used the card if I knew I did not qualify for the offer. I was never notified that the offer was declined. 

My online account has Paperless/Electronic Email Delivery activated. Despite the Terms on the offer requiring to notify me if the offer is declined, I received no communication about it. I did receive many other emails regarding this account : - XX/XX/XXXX Welcome to American Express. 
- XX/XX/XXXX Your Card is ready to ship! 
- XX/XX/XXXX Your Card is out for delivery! 
- XX/XX/XXXX Your new Card was delivered! 
- XXXX XXXX, American Express invites you to provide your feedback - XX/XX/XXXX Reminder - XXXX, American Express invites you to provide your feedback OFFER TERMS & CONDITIONS You may not be eligible to receive a welcome offer if you have or have had this Card, or the XXXX XXXX XXXX American Express Luxury Card or previous versions of these Cards. You also may not be eligible to receive a welcome offer based on various factors, such as your history with credit card balance transfers, your history as an American Express Card Member, the number of credit cards that you have opened and closed and other factors. 
If you are not eligible for a welcome offer, we will notify you prior to processing your application so you have the option to withdraw your application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Absolute Resolutions Corp.
State: MD

Complaint narrative:
XX/XX/year>, Amount {$1300.00} Never received anything validating the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: LA

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. 

Account Name : XXXX, XXXX : Account Number : XXXX : Balance : {$3300.00} And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 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 2024-08-07 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: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

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 2024-08-07 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I have never used this card and XXXX  XXXX  ago I was billed for an XXXX charge. I called them and told them I was disputing the charge and that I have never used the card at all. They are now charging interest and late fees and calling it a delinquent account which is showing up on my credit report. All of this for an XXXX charge which I never made.

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 monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Westlake Portfolio Management based in XXXX XXXX, CA has been continuously emailing attempting to collect a debt that was paid in XXXX, XXXX. 

When speaking to a customer service representative, they act as though they can not locate the account. The issue may be that the account was made in my daughters name, however I am her mother and handling the account. Even then, when I provide my daughters information, they continue to say they can not locate the account.

When I send emails or customer service inquiries on their website ( and include a copy of the payment receipt with the account number clearly indicated on the receipt ), they say the inquiry has been sent to the appropriate dept. but then a day or so later I get an email stating the inquiry is marked as closed without any acknowledgement of receipt of payment.

I then continue to receive emails from them attempting to collect the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
On the morning of XXXX i was notified via email that a credit card was applied for under my name. This was alarming as i had not applied for any credit cards. I logged onto my Transunion report and realized that this was in fact real. I called the company in question and was told someone must have stolen my identity and that there was nothing they could do about it, except send me a form. And that i have had an account for nearly ten years with them, which was false. I have never heard of this institution. I was then hung up on. I called back about 20 minutes later and was notified that " my account has been transferred to a different institution. ". 

I contacted Transunion and was told that the reporting institution needed to send them a letter so this mark could be removed from my credit report, and now the institution wont answer my phone calls. I want this taken off my credit report as my identity was stolen. This institution i believe may have also been part of this as they refuse to offer any guidance and immediately tried to hide anything they did.

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 2024-08-07 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: PA

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

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

I demand the late payment reported to be removed/updated.

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

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

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 100
2 and It was never provided. 

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

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 2024-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXXXXXX XXXX XXXXXXXX LVNVFUNDG XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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, and XXXX XXXXXXXX has violated my rights. 

15 U.S.C. 1681 section 602 A. State I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 it also consumer reporting agency can't furnish an account without my written instructions.

15 U. S.C. 1681B Permissible Purpose of Consumer 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 non-monetary relief
Consumer complaint received 2024-08-07 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
A Fraudulent Account was created and it is reflected on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: U.S. BANCORP
State: CA

Complaint narrative:
Back in XXXX, we hired a moving company, XXXXXXXX XXXX XXXX  XXXX XXXX. 
XXXX by phone and text, we notified XXXX that the movers damaged a dining table and put a hole in a wall on a hallway! 
XXXX. XXXX asked for some estimates to repair the damage! Took pics of the damage and sent to him and repair facilities! Sent estimates to his phone! He said that the repairs were too high and that he had people who could do the repairs! Didn't hear back from him for over a week! Contacted him, he said they were really busy and his people weren't available to do repairs! 
XXXX. 2 more weeks go by and still no contact by XXXX! We agree to reimburse our moving fee and we would take care of the repairs! He said he would put a check in the mail. Another week goes by, he ( XXXX ) is not answering his phone! Prior to this I have put all of our conversations in text, and have responses from XXXX on my phone! 
XXXX. Long story short, after 6 attempts working with the Credit Card Depart. I went to a local branch and gave them all my info ( previously sent by mail ) to the Branch Manager. He verified the texts messages to/from XXXX saying that he agreed to the refund amount and his explantations of how he would send/deliver monies back to me! 
XXXX. Meanwhile the Bank ( US ) keeps sending more requests for more of the same info that they had already received! I contacted them by phone 2 more times and spoke with representatives that said they had everything! Only to find out that they cancelled by request because of missing information!

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 monetary relief
Consumer complaint received 2024-08-07 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
During the last few months, I have noticed a collection account on my credit report from LVNV FUNDING LLC ( XXXX ) that I have no knowledge of how it was placed under my name. Neither the collector nor the creditor claiming to be the original ( XXXX XXXX XXXX ) provided me with certified notifications that the account would be transferred to a third party, nor was I requested permission for a permissible purpose to report it on my record. Therefore, I proceeded to dispute the account in writing, requesting validation and removal of the account ; however, they have ignored my communications with them and the credit bureaus. The account is being reported inconsistently on my report, providing incomplete information among the three credit bureaus, which raises further concern about my case. Since they are not providing concise information to the credit bureaus, this may be considered a violation of 15 USC in the following sections : 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : failed to provide me with clear and conspicuous notice of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 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: KY

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
On Wednesday, XX/XX/year>, I attempted to make a transaction of about {$3.00} but was declined multiple times. I contacted Ally Bank via their web chat service to inform them it was a legitimate transaction and to allow me to complete it. 

After nearly XXXX hours of discussion, they deactivated my card and issued a new one without my informed consent. They refused to lift the hold on the transaction. When I asked about how I would make the transaction once I receive the new card, they replied that I can not and it would be marked as fraud again with no ability to lift the hold. 

I am now unable to make a legitimate transaction with my own money because Ally Bank says they have no ability to lift a fraud hold once it has been triggered. I can not spend my own money in the way I want to for legitimate reasons because Ally Bank 's fraud " hold '' is not a hold but a carte blanche inditement of all transactions their automated system believes is fraudulent. A " hold '' implies there are possible ways to resolve the situation. This is not the case according to the agent and supervisor I spoke with.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
My name is XXXX XXXX. I dont have any other name.

Company response to consumer: Closed with explanation