vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-18 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have a 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.

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 2022-12-18 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: MA

Complaint narrative:
While I went to Delta website to book flight tickets, I saw at the payment page that I will get below benefits if I will apply and approved for The Delta SkyMiles Gold American Express credit card. I have applied and AMEX did a credit inquiry instantly, which ultimately my credit score impacted. I got the digital copy of the credit card ASAP. But I am unable to book the ticket with that card as AMEX declined the transaction of {$8400.00} of the ticket amount I was booking. When I called AMEX support they said that I have to wait 2 weeks to have the physical card to be eligible for ticket purchase beyond {$1000.00}. This is misleading and cheating to people if they have put the advertisement to apply this card to get {$400.00} statement credit and XXXX miles if one applies this credit card while purchasing ticket. Why they didn't mention that they have restriction to buy ticket beyond {$1000.00} for 2 weeks? There is no point putting advertisement to apply during booking. Since I am unable to pay {$8400.00} to buy ticket, I have used my other credit card in order to lock the ticket price.

See the exact lines as below, AMEX mentioned while applying. Do they expect, that I will again book one more ticket in 6 months beyond {$2000.00} to get the benefit? Appreciate if you take action on these credit card companies for making false advertisements. 

Statement Credit Issued Approximately XXXX Weeks After You Make A Delta Purchase On Your Card In Your First 6 Months. Bonus Miles Will Be Issued After You Make {$2000.00} In Eligible Purchases On Your New Card In Your First 6 Months. Earn A {$400.00} Statement Credit And XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XX/XX/2022 Dear Transunion, I, XXXX XXXX consumer and natural person are aware of all rights I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX # XXXX 15 U.S.C 1681 section 602 A. states I have a right to privacy.

15 U.S.C 1681 section 604 A. states a consumer reporting agency can not furnish an account without my written instructions.

Delete this account immediately, unless you want to be held to the {$1000.00} fine per violation. 



Sincerely, 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 2022-12-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX # XXXX, Collection # XXXX, Collection # XXXX, Collection # XXXX, Collection # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX # XXXX, and XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. : States consumer report must be 100 % accurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681 Section 605 A 1.

See Attachment of Proof of Inaccurate Information YOU HAVE 4 DAYS FOR DATE OF RECEIPT TO DELETE INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States if executed Outside of the United States ) that the foregoing is true and correct to the best of my knowledge Further I certify that I am permitted by Federal and State law to file this dispute I also understand that knowing and willful misstatements or omissions of material facts constitutes a Federal criminal violation punishable under 18 U.S. Code 1001 Additionally. These misstatements are punishable as perjury under 18 U.S. Code 1621. This collection found within my credit report are not related to any transaction that I made I am alleging that a person or company without my authorization used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 U.S.C 1681 section 602 A. : XXXX consumer report must be XXXX XXXX accurate. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions and 15 U.S.C 1681 Section 605 A 1. 

See Attachment of Proof of Inaccurate Information YOU HAVE XXXX XXXX FOR DATE OF RECEIPT TO DELETE 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 non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
, I have asked this company on multiple occasion to do a proper investigation according to the Law and they have refused. This attachment was sent to the bureau over 2 weeks ago ; and still no response has been given. Not only did I not give written consent to furnish this information on my credit, but they're also reporting inaccurate information. These accounts need to be deleted or I will be left with no choice then to purse legal action which is costly to me and the company knows this. Please hold them accountable. These alleged accounts have prevented me from being able to obtain the basic necessities in 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 non-monetary relief
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
, I have asked this company on multiple occasion to do a proper investigation according to the Law and they have refused. This attachment was sent to the bureau over 2 weeks ago ; and still no response has been given. Not only did I not give written consent to furnish this information on my credit, but they're also reporting inaccurate information. These accounts need to be deleted or I will be left with no choice then to purse legal action which is costly to me and the company knows this. Please hold them accountable. These alleged accounts have prevented me from being able to obtain the basic necessities in 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
Consumer complaint received 2022-12-18 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/2022 I have mailed letters to the different credit bureaus and within a couple weeks they would come back as verified and when I asked for proof they send me a bill with name and address no signature or anything, and when I asked again for better proof they said they won't reinvestigate or open another investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
, I have asked this company on multiple occasion to do a proper investigation according to the Law and they have refused. This attachment was sent to the bureau over 2 weeks ago ; and still no response has been given. Not only did I not give written consent to furnish this information on my credit, but they're also reporting inaccurate information. These accounts need to be deleted or I will be left with no choice then to purse legal action which is costly to me and the company knows this. Please hold them accountable. These alleged accounts have prevented me from being able to obtain the basic necessities in life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: MN

Complaint narrative:
I am having an issue opening up a checking, savings, and personal loan account with Marcus Goldman Sachs. Marcus Goldman Sachs is refusing to open up any accounts for me due to me having a previous bankruptcy in my XXXX XXXX, XXXX, and XXXX credit report. Marcus Goldman Sachs is discriminating against me based on my race and me having a previous bankruptcy on my credit reports. Marcus Goldman Sachs is in complete violation of the of the Equal Credit Opportunity Act ( ECOA ) under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
RE : XXXX Failed to validate alleged debt. Did not follow-up. 

XXXX tracking number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a 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.

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 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have read over all the documents that was sent to me, my middle name is not on the documents they provided a address that never belonged to me and looking over all the paperwork that was sent to me the accounts balance is wrong.. theres three different balances from the beginning of the car loan and you cant have a balance when a account is closed and this account is merged with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 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: CA

Complaint narrative:
i am a victim of identity theft my information was stolen and used WITHOUT my consent these unauthorized accounts must be blocked and removed from my credit report please block and remove these accounts from my creit report 1 ) Company or Organization : XXXXXXXX XXXX  Account Number : Account Number XXXX amount {$2300.00} XXXX ) Company or Organization : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX amount {$19000.00}

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 2022-12-18 00:00:00
Product: Credit card or prepaid 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: FL

Complaint narrative:
Called the business on XX/XX/2022 to dispute a charge of {$33.00} dated XX/XX/2022. The overseas agent was very difficult to understand with a heavy accent and a fake phone name of XXXX. Thus, I am providing supporting proof to document this billing dispute. Attached is email confirmation from the business advising " Your XXXX XXXX  is cancelled ''. Additionally, attached is a XXXX XXXX XXXX complaint filed on XX/XX/2022 filed against the business informing the business to " cancel service ''. If you look at XX/XX/2022, the business issued a credit of {$320.00} for four rodent bait boxes in which they picked up from my home. However ; the business was negligent in charging me a monthly recurring charge of {$33.00} on XX/XX/2022 that should not have occurred.

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 2022-12-18 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2022 I have mailed letters to the different credit bureaus and within a couple weeks they would come back as verified and when I asked for proof they send me a bill with name and address no signature or anything, and when I asked again for better proof they said they won't reinvestigate or open another investigation.

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 2022-12-18 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: GA

Complaint narrative:
XXXX XXXX XX/XX/2022 I have mailed letters to the different credit bureaus and within a couple weeks they would come back as verified and when I asked for proof they send me a bill with name and address no signature or anything, and when I asked again for better proof they said they won't reinvestigate or open another investigation.

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 2022-12-18 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Tulsa Adjustment Bureau
State: OK

Complaint narrative:
ReferenceXXXX This debt is not mine. I would like an itemized receipt showing what this debt is for. I have not had any medical procedures recently that I was financially responsible and I believe this debt is supposed to be paid for by XXXX XXXX XXXX Im not sure what this debt is for and would like proof of services to either verify or deny this debt.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have read over all the documents that was sent to me, my middle name is not on the documents they provided a address that never belonged to me and looking over all the paperwork that was sent to me the accounts balance is wrong.. theres three different balances from the beginning of the car loan and you cant have a balance when a account is closed and this account is merged with 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 2022-12-18 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: EQUIFAX, INC.
State: SC

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Has violated my rights. 

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 accounts 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, other than records of convictions of crimes which antidotes 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 2022-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I am still having an issue of opening a checking, savings, and credit card account with PNC Bank. PNC Bank wont open up any accounts for me due to me having a current XXXX on my XXXX XXXX, XXXX, and XXXX credit report. PNC Bank is discriminating against me based on my race and recent XXXX on my credit reports by refusing to open any accounts for me. PNC Bank is in complete violation of the Equal Credit Opportunity Act ( XXXX ) under federal law. I want PNC Bank to approve and open up a checking, savings, and credit card account online for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19 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: EQUIFAX, INC.
State: PA

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. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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 2022-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: T.S. Holdings
State: NV

Complaint narrative:
1. ) XXXX XXXX bank Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$120.00} XXXX Account Closed Date Closed : XX/XX/XXXX XXXX. ) {$450.00} XXXX Current Last Updated : XX/XX/XXXX 4. ) {$12000.00} IQ DATA INT Current Last Updated : XX/XX/XXXX 2022

Company response to consumer: Closed with explanation