vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-29 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt 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 am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 



Please delete the following accounts. 

XXXX XXXX XX/XX/XXXX {$18000.00} XXXX XXXX  XXXX XX/XX/XXXX {$640.00} XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX  XX/XX/XXXX {$7800.00} INQUIRIES : XXXX 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 2024-12-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Paramount Recovery Systems, L.P.
State: OK

Complaint narrative:
I did not open up an account with this company. I would like for this to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I, XXXX, the consumer, have identified information in my Equifax consumer credit report resulting from identity theft. These items are not related to any consumer transaction completed by me, the consumer, nor initiated by me. This inaccurate information has been disseminated to over XXXX companies and other XXXX party users without my written permission, enabling identity theft, unauthorized & impermissible access & credit inquiries and use of my consumers private financial information as it is false, inaccurate, erroneous, and misleading information. Block delete and remove immediately as I have been damaged and denied consumer credit due to this.

There are name variations, false addresses, and false telephone numbers. Equifax must uphold their duty to report true and accurate information about the consumer by the Fair Reporting Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 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

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 2024-12-29 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/year> I made a purchase online at XXXX XXXX in the amount of {$3700.00}. American Express advertises on their website that you will earn 3 % cash back on XXXX XXXX XXXX purchases, up to {$6000.00} per year, then 1 % above {$6000.00}. Once the transaction posted, only 1 % cash back was earned. Despite it meeting the terms of it being an online purchase, and not being specifically excluded it did not earn the advertised 3 % cash back. 

If you look at the following information published by American Express ( https : //www.americanexpress.com/us/rewards-info/retail.html ) you will see that XXXX XXXX XXXX purchases includes Furniture Stores , one example listed, with the disclaimer that it is not a complete list. It is also not on the excluded list. 

Having met all the requirements to earn the 3 % cash back, it has not been credited. This is a bait and switch and I would not have used this credit card to make that purchase had I known American Express would claim ignorance regarding categorizing this transaction as an online purchase, due to some obscure and opaque transaction classification. This results in the consumer having to take all the risk and American Express receiving the benefit of the card being used for the purchase, and then subsequently deny a benefit which it widely advertises. Clearly this is a bait and switch and false advertising. 

American Express knows exactly which transactions are an online purchase. One example is that a CVV code was used to authorize the transaction, and there was no swipe or tap, or chip inserted. Additionally, American Express is aware that it is a retail transaction as it is categorized as Merchandise & Supplies - Furnishing. American Express is willfully denying benefits it advertises by using arbitrary reasons to deny the benefit despite them clearly being aware that the transaction was an online XXXX retail purchase. 

This should be investigated and this unfair consumer practice should be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: AL

Complaint narrative:
DATA BREACH IDENTITY THEFT. MY PERSONAL INFORMATION HAS BEEN MISUSED TO OBTAIN CREDIT, RESIDENTS AS WELL AS AUTOMOBILE CREDIT CARDS I BEEN A VICTIM SINCE XXXX AND XXXX WHICH I FILED A POLICE REPORT BOTH TIMES THERE ARE INQUIRIES THAT I DIDN'T GIVE PERMISSION AS WELL. MY INFORMATION IS ALSO FOUND ON THE BLACK WEB I BEEN NOTIFIED. I HAVE SENT DISPUTE LETTERS THAT WASN'T HONORED BY THE CREDIT COMPANIES TO CLEAN UP THE MATTER AND UPDATE MY INFORMATION WHICH WAS IGNORED BY ALL XXXX CREDIT COMPANIES REPORTING FALSE COLLECTIONS AND CHARGE OFFS THAT DO NOT BELONG TO ME DUE TO ME BEING A VICTIM OF DATA BREACH IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Continental Finance Company, LLC
State: NJ

Complaint narrative:
I paid the credit card company verve a {$210.00} payment back in XXXX. They didnt credit it my account until XXXX. As they were investigating where my payment went even with proof from my bank account ( XXXX  XXXX ) that they indeed took the payment out. As result of the very length investigation my account has been closed an my credit has been effected fraudulent report from them. Since the error Ive still made my payment an should have no.

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 2024-12-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Our XXXX XXXX Capital One XXXX statement arrived and we noticed immediately that there was a charge from Garage and XXXX XXXX XXXX XXXX  in the amount of {$690.00}. We live in Massachusetts and haven't been to XXXX XXXX in over 50 years. We called Capital One Fraud Department on or about XX/XX/XXXX and they said they would look into it. Shortly thereafter, we received XXXX letters all on the same day and all dated XX/XX/XXXX. The first one said they were investigating, the second one said we were not responsible and the third one said that we WERE responsible and were being charged because the physical card was used, which was impossible as we had it in our possession the whole time. We have called numerous times and each time they tell us that they will not investigate further as the physical card was used ; each time telling us a different story as to how the card was used. The first time they said the card was physically used, the second time they said the card was tapped and the third time they said the chip was used. We have requested further information but they refuse as they said the card was physically used so it is our responsibility. I have been researching throughout the internet and I have found numerous stories from people that have had the same thing happen to them so the chip isn't as safe as Capital One is claiming it is! Also, I have scanned the internet and there is no company with this name in any search I have made. We are responsible senior citizens and would NEVER not pay what was ours but this charge is not! We have found the representatives extremely rude and dismissive to our problem and actually I was hung up on yesterday, XX/XX/XXXX. We don't know how to proceed as we are not getting any help from Capital One. We would appreciate anything you can do to help us with this fraudulent claim. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I called the customer service XXXX XXXX, XXXX  ( checked with my contact record ) and they agreed to close the card after I paid off the bill. But the bill still existed in the next year. I called to the card customer service again on XX/XX/year> ( checked with my contact record ). They told me the billing was mistakenly reported and it would not report. Now the bill exists again. It has accumulated to over {$200.00}. I just called the customer service again on XXXX XXXX, XXXX. But the representative told me that they could only close the account after I paid off the bill. Could I close this credit card and not see it any more? Do I still need to pay off the bill?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-30 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2024-12-29 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to demand immediate action to address the inaccurate, damaging, and negligent reporting related to XXXX American Express XXXX and a lawsuit filed against me that has since been dismissed for want of prosecution ( XXXX  ). Despite my efforts over the past XXXX years to provide evidence of identity theft, neither American Express nor the credit bureaus ( XXXX, XXXX, and XXXX ) have taken appropriate steps to resolve this matter. 

Here are the critical facts of this issue : XXXX. Identity Theft and Disputed Accounts : I was a victim of identity, a time during which XXXX American Express accounts in good standing were fraudulently used. 
I provided police reports and a Federal Trade Commission ( FTC ) Identity Theft Report to American Express and the credit bureaus, documenting this crime and disputing the debts. 
Despite clear evidence that these debts were not mine, American Express refused to acknowledge the theft or resolve the accounts appropriately. 
XXXX. Lawsuit Filed and Dismissed : American Express National Bank pursued legal action against me in 2024, despite the ongoing identity theft dispute and my inability to pay for debts that were not mine. 
On XX/XX/year>, the court dismissed the case for want of prosecution ( DWOP ), with no judgment entered against me. This dismissal further supports my position that this debt is invalid and should not have been pursued in the first place.

3. Credit Reporting Negligence : Despite the dismissal and my repeated disputes, all three credit bureaus continue to report inaccurate and derogatory information related to these accounts and lawsuit.

The excuse provided by XXXX  the lawsuit was filed and therefore can not be removedis baseless given that the case was dismissed, and the accounts were the result of identity theft. 
The continued failure to address this issue violates the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair credit reporting. 

This negligence has severely impacted my credit standing and financial stability for years. The prolonged failure to remove fraudulent accounts and the erroneous lawsuit from my credit file has caused undue hardship, limiting my ability to rebuild after the closure of my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: National Credit Systems,Inc.
State: VA

Complaint narrative:
The purpose of formally disputing inaccurate and unverifiable information being reported on my credit report by XXXX XXXX XXXX ( XXXX ) concerning an alleged debt from XXXX XXXX. I have no knowledge of this debt, have never received any communication regarding it from either XXXX XXXX  or XXXX XXXX XXXX prior to its appearance on my credit report, and XXXX XXXX XXXX has reported an address associated with this debt where I have never resided. 

XXXX. Unrecognized Debt and Lack of Communication : I have no recollection of incurring any debt with XXXXXXXX XXXX I have never received any notices, letters, phone calls, or other forms of communication from either XXXXXXXX XXXX or XXXX XXXX XXXX regarding this alleged debt before it was reported to XXXX. 
XXXX. Inaccurate Address XXXX XXXX XXXX XXXX  has reported an address XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX associated with this alleged debt. I have never resided at this address. 
XXXX. Lack of Relationship with XXXX XXXX XXXX  : I have no contractual agreement or business relationship with XXXX XXXX XXXX. I have not provided them with any personal information or authorized them to collect any debt on my behalf. 
XXXX. Potential XXXX Related Issue : The timeframe of this alleged debt appears to fall within the XXXX pandemic period, during which specific protections were in place regarding evictions and debt collection. I suspect this may be related to fraudulent activity exploiting these protections. 

FCRA Violations : I believe the reporting of this debt violates several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX XXXX ( a ) ( 15 U.S.C. 1681c ( a ) ) Prohibits reporting inaccurate information. Reporting a debt I was never notified of, associated with an address I never lived at, is inaccurate. 

FCRA XXXX XXXX ( a ) ( XXXX ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ( A ) ) : Requires furnishers to provide accurate information. Both XXXX and XXXX XXXX XXXX have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-12-29 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: GA

Complaint narrative:
I am writing to formally request your assistance in resolving a critical issue regarding inaccuracies on my credit report, which have severely impacted my ability to purchase a home. I discovered that my student loan accounts are being reported with a " collection '' or " charged off '' status, despite my consistent good standing and compliance with all repayment obligations. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, as it fails to ensure the accuracy and integrity of the information being reported. 

The emotional distress caused by this situation is profound, as the inaccurate reporting has obstructed my ability to achieve homeownership, a significant milestone in my life. I respectfully request that the CFPB investigate this matter promptly and work with the relevant credit reporting agencies and loan servicers to correct these inaccuracies and remove the erroneous information from my credit report. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-29 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: GA

Complaint narrative:
I am writing to formally request your assistance in resolving a critical issue regarding inaccuracies on my credit report, which have severely impacted my ability to purchase a home. I discovered that my student loan accounts are being reported with a " collection '' or " charged off '' status, despite my consistent good standing and compliance with all repayment obligations. This erroneous reporting violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681g, as it fails to ensure the accuracy and integrity of the information being reported.

The emotional distress caused by this situation is profound, as the inaccurate reporting has obstructed my ability to achieve homeownership, a significant milestone in my life. I respectfully request that the CFPB investigate this matter promptly and work with the relevant credit reporting agencies and loan servicers to correct these inaccuracies and remove the erroneous information from my credit report.

Thank you for your time and attention to this matter.

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 2024-12-29 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: GA

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I have contacted Trans Union in regards to having a social security number on my file that was not my number which has caused negative credit from credit cards When applying and lower credit due to this issue seem they have done this to others i contacted them said they will fix te issue in 5 days yet to call back to check if its fixed. Unacceptable that my credit score went down and credit lost due to this mistake. This should not happen if if so the matter should be fixed immediately and update credit report to great standing as this hindered my life.

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