vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I signed up for an American Express Blue business card. The promotion stated if I spent {$3000.00} in 3 months I would get {$250.00} credited to my account. I did, and I got the bonus. XXXX month after signing up for the card, the {$250.00} bonus was revoked from my account. When I called to ask why, they said I failed to spend {$5000.00} within the first XXXX months of having the card. I went back to look at the promotion and could not find that information in the fine print. I filed a claim with American Express on XX/XX/XXXX and they said they would get back with me in 7 days. It is XX/XX/XXXX and I still havent heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Prepaid card — Gift card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Around XXXX months ago, I referred my a friend to capital one shopping portal amidst an elevated bonus period. He placed XXXX orders and received a {$200.00} bonus. I have provided them a screenshot detailing this to capital one. I have attached that screenshot below, proving they saw fit to reward my referred. 

However, I never received a bonus for referring him in parallel, delivering a customer to their platform. 

I then contacted customer service many times between XX/XX/XXXX and XXXX and was told that I did not meet criteria despite having delivered him to Capital One. They were unable to provide me with specifics as to why, after he received his bonus, I did not qualify for mine. I was unable to speak to both a supervisor and any agent by phone. I contacted executives ( XXXX, XXXX, XXXX, XXXX ) there, as well, on XX/XX/XXXX and have received no response. 

Capital One promised me {$200.00}. I did my part and they have opted out of doing theirs in the interest of improving their bottom line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: TX

Complaint narrative:
On XXXX XXXX I received a collection notice from Jefferson Capital System in regards to doing business with XXXX in the amount of {$1300.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b this company is harassing me over a debt ; 15 USC 1692d Harrassment or abuse. Also, Acquisition of location information this company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells fargo completely refuses to give me money back my entire phone an account was hacked someone else put bad checks in my account while my phone and account were hacked which was out of my control an I was punished by having all my money took I demand my money back I will not stop filing complaints until my funds are returned

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 2024-02-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX an unknown company/person took {$84.00} out of my account fraudulently. I still do not know the name of who did this to my account. When I filed the claim I was told that it would be XXXX to 10 days for them to come to a resolution. Whoever did this took nearly everything out of my bank account and it was a major inconvenience for me. as soon as that money is returned to my account, I plan on closing my Wells Fargo account that Ive had since XXXX.

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 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act XXXX. XXXX  XXXX XXXX accounts are reported as charged off which are considered income and income is not legally reported to 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 non-monetary relief
Consumer complaint received 2024-02-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX and XXXX XXXX XXXX XXXX all in violations of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 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. 15USC 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Privacy act XXXX. XXXX  XXXX XXXX accounts are reported as charged off which are considered income and income is not legally reported to 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 2024-02-19 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: MS

Complaint narrative:
XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/year> This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines

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 2024-02-19 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: MS

Complaint narrative:
XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/year> This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-19 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: MS

Complaint narrative:
XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$12000.00} Balance updated XX/XX/2024 This company try to threaten me by taking legal action on me. And report this information to my employer n been harassed n calling me all day n night Debt is no longer mines

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 2024-02-19 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: MA

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

Here are the following inquiries : On the following Dates : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : Experian on behalf of XXXX 15 U.S.C 1681 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 make 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 more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC, XXXX XXXX XXXX, XXXX made claims that they received all rights of interest and assignment when they purchased the account, they are automatically violating the Statute of Frauds. They are in breach of the alleged contract because they can NEVER fulfill the OC 's obligations from the original contract. The right of subrogation does not exist for a stranger to the transaction. 73 AmJur 2nd, Section 90.This includes attempts to collect based on assignment, sale/purchase, or trade. Also Per IRS publication, CHARGE OFFS is income and can not be on a consumer credit report since it is considered a certificate of indebtedness.

They have made threats with letters, electronic communication about information which is false I did NOT consent to which a violation within USPIS ( mail fraud ) and The Privacy Act of 1974.

I have no account with them, have never signed any contract to do business with them, I am expressing my rights under the FDCPA to demand that they Cease & Desist ALL collection activity and All communication with me regarding their accusation. LVNV Funding LLC, XXXX XXXX XXXX, XXXX and other affiliates they hired committed identity theft against me need to close their file immediately and remove their information from my credit report as having it on there is both collection activity which violates federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-19 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: CA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX  days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Continental Finance Company, LLC
State: MD

Complaint narrative:
Entered into a hardship agreement with 3 credit cards issued by this servicer. I asked for a written explanation of the hardship agreement and was advised that they could not put the agreement in writing. I had successfully made XXXX  monthly payments on 2 or 3 cards, which should've resulted in the cards being brought current, however I was advised that I missed a payment in XXXX and my agreement was cancelled. Funny thing is when I called in XXXX and XXXX to schedule my payments I was advised that I was under a hardship agreement. 

XXXX account ending in XXXX XXXX account ending in XXXX Cerulean account ending in XXXX All issued by XXXX XXXX

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 2024-02-21 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: FL

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

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 non-monetary relief
Consumer complaint received 2024-02-19 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: NY

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-20 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: TN

Complaint narrative:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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 2024-02-19 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: LA

Complaint narrative:
I tried to fix my credit report by sending letters to remove old information and wrong information to XXXX, XXXX and Experian. 
Nothing was done and my report remains the same.

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 2024-02-19 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:
After review my credit accounts it has come to my attention that my rights under the FCRA of 100 % accuracy of information reported on my consumer reports are being VIOLATED. There are NUMEROUS inaccuracies and inconsistencies across the credit bureaus that make a FAIR representation of my credit worthiness impossible. These are the issues I have : 1 ) The Date Opened are inconsistent and/or inaccurate across the bureaus 2 ) The Balances are inconsistent and/or inaccurate across the bureaus. My understanding is that a charge-off account SHOULD NOT report a balance. It SHOULD be {$0.00}.

3 ) The High Credit is inconsistent and/or inaccurate across the bureaus 4 ) The Past Due is inconsistent and/or inaccurate across the bureaus 5 ) The Last Reported is inconsistent and/or inaccurate across the bureaus 6 ) The Date Last Active is inconsistent and/or inaccurate across the bureaus These NUMEROUS inaccuracies make a FAIR consideration of my credit worthiness next to impossible. I am unable to obtain new credit in order to purchase a new home for my family.

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 2024-02-19 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: FL

Complaint narrative:
please see attached file

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: TX

Complaint narrative:
Unauthorized/unverified accounts on my 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 2024-02-22 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: FL

Complaint narrative:
XXXX XXXX XXXX has reached out and reported an inaccurate debt to Experian, XXXX, and XXXX. When I request debt validation from them they provided a document that was not accurate or validating that it is indeed related to me in any way. The document showed a persons name that I do not recognize. In addition to not recognizing the charges or the names listed, there is no signatures on the document. This debt is invalid and not related to me and I would like it to be removed from my name completely since it was inaccurately reported to the Experian, XXXX, and XXXX.

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 2024-02-19 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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