vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I had an AMEX Offer on my AMEX XXXX XXXX credit card where I'd receive {$25.00} credit for spending {$45.00} on a new XXXX XXXX XXXX membership. I signed up for XXXX XXXX XXXXXXXX membership using the card on XXXX XXXX, XXXX. The {$45.00} charge by XXXX XXXX XXXX posted on XX/XX/XXXX. Not having received the {$25.00} AMEX Offers credit, I contacted AMEX via chat feature on XX/XX/XXXX. I was told, " XXXX, don't worry, the credit will post 2-3 weeks from the time of being charge in the account. '' The credit never came. I contacted AMEX again on XX/XX/XXXX. I was told, " Since it is more than 21 days, I'll open an investigation on my end. '' Still not having received the {$25.00} credit, I contacted AMEX again on XXXX XXXX, XXXX, and the agent told me that no investigation had been created on the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type XXXX XXXX XXXX Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/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 non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until XX/XX/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 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
This letter is a formal complaint against CREDIT COLL ( Original Creditor : XXXX ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, payment history as it not appear in the report and payment status.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, 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: IL

Complaint narrative:
Dear XXXX, Transunion, and XXXX Notice to all, I am the flesh, living breathing women, I am the consumer the natural person and the original creditor. I am the agent of XXXX XXXX XXXX, lender, executor and administrator and holder in due course for all derivations thereof for the surname/given XXXX, XXXX, XXXX. 
Fact, please show good faith in this matter by expediting the securing of the alleged information listed in your office in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. 
Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this therein unrebutted Affidavit of Truth being services to you today and therefore, standing as truth in commerce. 
Fact the FCRA is intended to secure my write to privacy and my privacy has been breached : Fact, under the Fair Debt Collection Practices Act, XXXX XXXX, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681 Fact, under the Fair Debt Collections Practices Act, Discover, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681. 
Fact, I did not give you all any consent to display anything on my report and I am DEMANDING that it be remove immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear XXXX, XXXX, and Equifax Notice to all, I am the flesh, living breathing women, I am the consumer the natural person and the original creditor. I am the agent of XXXX XXXX XXXX, lender, executor and administrator and holder in due course for all derivations thereof for the surname/given XXXX, XXXX, XXXX. 
Fact, please show good faith in this matter by expediting the securing of the alleged information listed in your office in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft. 
Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of and/or with any affiliates will ensure my privacy rights wont be violated again due to the lack of consent and this therein unrebutted Affidavit of Truth being services to you today and therefore, standing as truth in commerce. 
Fact the FCRA is intended to secure my write to privacy and my privacy has been breached : Fact, under the Fair Debt Collection Practices Act, XXXX XXXX, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681 Fact, under the Fair Debt Collections Practices Act, Discover, was displayed on my credit report without my written or verbal consent and was marked as fraud. Violation 15 USC 1692 ( g ) and 15 USC 1681. 
Fact, I did not give you all any consent to display anything on my report and I am DEMANDING that it be remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. Please do not mail me anything else saying I need ID docs. I'm filing this complaint because it's been over 35 days and you are still reporting these items without permission and that 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 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I contacted the XXXX credit bureaus after reviewing my credit reports and noticed inaccurate information in my file. There was an address that is inaccurate and upon calling the credit bureaus, I was told that the information had been verified because it was attached to an account ( Capital One ). I then reached out to Capital One only to be told that an account from XXXX with the XXXX XXXX in question had the same information. I assured them that it was impossible because I am a victim of XXXX XXXX and received my current credentials ( including new identification and social in XXXX ), which included my now social so it was impossible for that number to have been used in XXXX. After requesting for proof of the account, I was denied, even after explaining to them that I had documents ( Soc. Sec. card and my statements from them showing my address which they have correct until XXXX of this year. It is my belief and proof ( as I have recorded calls with both the credit bureaus and the company that they merged an account with similar name and attached it to my account and updated it with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: The Outsource Group, Inc
State: AZ

Complaint narrative:
Contacted the collector on XX/XX/XXXX was told there was medical collection account from XXXX, reported in XX/XX/XXXX. Advised never received correspondence, they verified my address said their envelopes are blank and the name of their company is not visible therefore do not know it's medical collection statement. I was told if it was paid in full would be deleted. I paid {$310.00} the same day, however they have marked it as paid closed vs deleted as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To whom it may concern, I have discovered that there is unauthorized information in my name being used on my consumer reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my consumer reports. I believe I may be a victim of identity theft. I have a security lock on my consumer report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted/removed from my consumer report as soon as possible. These items are fraudulent and they have devastatingly impacted my relationships with creditors. I reached out to Experian about these matters on numerous occasions ASKING TO SEND ME EVERY DOCUMENT PERTAINING TO THESE ENTRY THAT YOUR AGENCY USED TO VALIDATE THIS DEBT. the only response I have receive from these agencies is this debt has been validated and will remain on your consumer report with no documents provided. Please investigate these matters and remove/delete the disputed items, as soon as possible Thank you. according to the Fair Debt Collection Practices Act. below is a list of laws that have been violated. 15 usc 1681 c 2 15 usc 1681 b ( a ) ( 2 ) 15 usc 1681 a ( k ) ( iii ) 15 usc 1681 ( a ) ( 4 ) 15 usc 1692 d ( 1 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
This letter is a formal complaint against CAINE WEINER ( Original Creditor : XXXX XXXX  ). They have repeatedly violated the Fair Debt Collection Practices Act. A lot of mistakes look as if they exist within this account. Review the status, creditor, account number, and payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I would like to extend this complaint to this bureau as Credit Collection Services are attempting to settle a debt of {$37.00} representing XXXX XXXX XXXX XXXX subsidiary under XXXX XXXX umbrella. I have contacted them to figure out how I owe a debt when I was hospitalized from XXXX - XX/XX/2021. I was in a XXXX for over a month which I told this company to verify with XXXX XXXX XXXX XXXX, XXXX. How do you expect me to pay my insurance premium timely when my car was totaled XXXX XXXX XXXX XXXX? 

I spoke with XXXX ( XXXX XXXX XXXX ) Customer Service Department previously before this complaint and they refused to provide me a total loss statement essentially claiming they do not care and I should pay the balance for a crumbled car without remorse. This is unconstitutional and frankly illegal for an auto insurance company to tell you to pay for a vehicle involved in an accident while posting an insurance lapse on your driver record.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I graduated with my XXXX in XXXX and XXXX in XXXX XXXX in XXXX. I have always been placed in deferment or Income based repayment with a zero payment due to my income earned from my work in the non profit sector. Most recently, with my {$18.00} state of Arizona government job Navient has calculated my IBR to be about {$67.00} a mo which I cant really afford being that Im even on rental assistance. I made my first payment XX/XX/XXXX because they said I did not qualify for the federal deferment with a FFEL type. However, they have now re-started my 25 year repayment time clock when I have been on IBR since graduation in XXXX and XXXX perspectively. I emailed Navient about a month ago via my online account and have received no response. My credit report was also updated once I made a payment stating 320 monthly payments left dropping my score about 30 points. I dont see an end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX and I am personally submitting this complaint. Please see attachments and my ID as it explains my complaint and request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Now my information was impacted by the XXXX XXXX XXXX and may have gotten into the hands of the wrong person. This letter is a formal complaint that XXXX is reporting inaccurate and incomplete credit information. I am distressed that XXXX have included the information attached in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. I demand these accounts be deleted immediately or I am filing for litigation. I have sent in numerous letters over the past 4 months and have not receive any correspondence in regards to investigation. I know that law plainly stated that a failure to investigate these items within Thirty days gives a reason to immediately remove those items from my credit report it has been over THIRTY days so they should be deleted promptly. It's been over ninety days at this point.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: PA

Complaint narrative:
I have repeatedly contacted XXXX about an inaccurate account that's reporting on my credit file. After several attempts of trying to find out who they verified this information from, they finally told me they verified the bankruptcy that's reporting on my account with Lexis Nexis. I called Lexis Nexis to see if XXXX had reached out to them about a dispute and they said that XXXX did not reach out to them at all to inquire about my credit file. They also confirmed that I do not have a bankruptcy reporting on both of my credit files with them. Lexis Nexis said they would send out my new credit file to XXXX so that they can update my credit file and remove the bankruptcy. They also said that XXXX shares a database system with them so XXXX can update their files, but often times they do not. I called XXXX on XX/XX/2022 to explain this to them and they said that LexisNexis has to send them an electronic file so they can update my credit file. LexisNexis told me that they sent out my dispute and new credit file in XX/XX/2022 to XXXX and XXXX has received it, but has yet to respond to it. This is completely detrimental to my livelihood. I have an account thats reporting inaccurately on my credit report and I have proof thats its inaccurate and XXXX will not remove it. This is unfair and a violation of my consumer rights according to the FCRA. I have shown verifiable proof that this account is inaccurate and XXXX is ignoring the proof and they are not doing a proper investigation.

Company response to consumer: Closed with explanation