vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-28 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: IA

Complaint narrative:
It has come to my attention that negative items are not being removed, even when submitted with an FTC report. As mandated by law 605b of the FCRA. Should you fail to remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following items, as they are fraudulent and were opened without my consent or knowledge : Experian XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2024-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I bought a flight on XXXX The website for XXXX  XXXX and XXXX state that if you purchase a checked bag online it is cheaper than adding it and paying for it at the airport. So I saw it was for {$41.00} to add a checked bag. So I paid the {$41.00} for the bag and paid for the flight. However at the airport XXXX  XXXX says that they did not add the checked bag to my fiancs reservation. When he called me I said show them the email. I called the XXXX and they were not able to give me a reason that the bag was not added. My fianc had to pay {$110.00}! To check the same bag at the airport. Now Chase is denying my claim to get the {$110.00} back because we already paid for the bag. After I filed the claim I saw that they messed up the claim and said it was for more money. I called the claims department and reported that no, it was only {$110.00} we were disputing because that was the bag fee we already paid for. Then I got an email from the company saying that they were going to refund the {$41.00}. So again I called XXXX to tell them to take the {$41.00} out of my account because the provision credit was {$110.00} not {$41.00}. Why would I accept a {$41.00} credit when I played by the rules and paid for the baggage ahead of time and then get charged {$110.00} at the airport? No, I want my {$110.00} back, I did what I was supposed to do. Next Chase asked for more information. So I sent the information showing that my fianc ( who is also a Chase customer ) added money to his XXXX XXXX from his Chase account and then had to use his XXXX  XXXX  account to pay the {$110.00}. Now a major problem I have is I called the dispute department for something different and I told them the situation. I asked them how we should file the dispute because I was about to call and get him on the line because it made sense to me to dispute the {$110.00} claim from the money he added to XXXX XXXX from his Chase account BUT they said no, you can dispute the claim on your account and I asked if they were sure. I could have just done it on his account and used my documents where I paid for the baggage already. Oh yeah they said and now its denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: VA

Complaint narrative:
Why until now these negative accoounts are still here it's been a while since I've done this I have filed a complaint with the ftc for these accounts why so far there is no action. And I also received a letter from the bureaus saying that I am not the one who will send the letter for the bureaus, this is wrong because I am the one who will send my letter, here are the lists of negative accounts that I want as soon as possible. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX credit or insurance. 
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX. 
XXXX  Date of inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
Hi Amex, I am writing to express my frustration and disappointment with the handling of my sign-up bonus points for my Amex XXXX card. Despite numerous communications with your customer service representatives and supervisors, my issue remains unresolved, and I feel that I have been repeatedly misled. 

On XX/XX/2024, I spoke to a supervisor named XXXX regarding the status of my sign-up bonus. Prior to this, I had communicated with other customer service representatives on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/2024, all of whom confirmed that I had a sign-up bonus offer on my Gold card. They assured me that I would receive the points once I hit the minimum spend of {$6000.00}. 

After meeting the required spend, I did not receive my points. Subsequently, I was told by another representative that I did not have an offer. This is particularly frustrating because I clearly remember signing up for the XXXX card due to the banner advertising the sign-up bonus. 

When I spoke to Supervisor XXXX on XX/XX/XXXX, he assured me that he would follow up with the agent and that I would receive my points once I met the {$6000.00} spend. Despite meeting the spend requirement, my points were never added. 

I reached out again on XX/XX/XXXX and XX/XX/XXXX to follow up, speaking to XXXX XXXX on the latter date. XXXX assured me that the points would be added manually when my statement closed on XX/XX/XXXX. This, however, did not happen. 

Each time I reach out to customer service, the regular agents can not see the supervisor notes and provide conflicting information. I have had to repeatedly request to speak to a supervisor and explain my situation from the beginning every time. This lack of communication and consistency has caused significant inconvenience and frustration. 

I am deeply disappointed by the way my case has been handled. I feel that my concerns have not been taken seriously, and I have not been provided with a timely resolution. I demand an urgent review and immediate crediting of my sign-up bonus points for the Amex XXXX XXXX. The inconvenience I have faced due to this issue is unacceptable, and I expect swift action to resolve this matter. 

Thank you for your prompt attention to this complaint. I look forward to your immediate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: EQUIFAX, INC.
State: FL

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 Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: FL

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 non-monetary relief
Consumer complaint received 2024-05-28 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: FL

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted 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 2024-05-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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: LEXISNEXIS
State: FL

Complaint narrative:
I show a bankruptcy on my credit report. I contacted the court and they said they didn't furnish any information to the bureaus. It is clear they do not report to you or any credit bureau for that matter ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: IA

Complaint narrative:
It has come to my attention that negative items are not being removed, even when submitted with an FTC report. As mandated by law 605b of the FCRA. Should you fail to remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following items, as they are fraudulent and were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

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 2024-05-28 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: IA

Complaint narrative:
It has come to my attention that negative items are not being removed, even when submitted with an FTC report. As mandated by law 605b of the FCRA. Should you fail to remove the items listed below, which are inaccurately reported due to identity theft, I will forward my documents to my attorney to initiate legal proceedings. It is my preference to avoid legal action, so please comply with the law. Kindly remove the following items, as they are fraudulent and were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXXEquifax XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$480.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$770.00} XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX. Per Fair Credit Reporting Act Section 605B ( a ) you are requiring to remove any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Please note that you have 4 business days to remove the reporting of any items in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-28 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: EQUIFAX, 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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-28 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 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 30 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 30 days, they should be promptly removed from my credit report. Since it has been over 30 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, Experian, and XXXX 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 explanation
Consumer complaint received 2024-05-28 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: PA

Complaint narrative:
I am writing to file a formal complaint regarding a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the 4th Amendment. I believe that my personal information has been mishandled, leading to a breach of privacy and potential harm to my financial well-being. 

Firstly, I have reason to believe that my FCRA rights have been violated due to inaccurate information reported by a credit reporting agency. The FCRA mandates that credit reporting agencies maintain accurate and up-to-date information about consumers, and that consumers have the right to dispute any inaccuracies. I have discovered several errors in my credit report, including incorrect account balances and outdated information, which have adversely affected my creditworthiness. Despite my repeated attempts to rectify these errors, the credit reporting agency has failed to take appropriate action, thereby violating my FCRA rights. 

Furthermore, I suspect a violation of my 4th Amendment rights in relation to unauthorized access and use of my personal information. I have reason to believe that certain entities have obtained and utilized my personal data without my knowledge or consent. This unauthorized access to my information not only infringes upon my right to privacy but also exposes me to potential identity theft and financial harm. I am deeply concerned about the potential consequences of this violation and the lack of safeguards in place to protect consumers ' sensitive information. 

I kindly request that the Consumer Financial Protection Bureau thoroughly investigate this matter to ensure that my rights under the FCRA and the 4th Amendment are upheld. I urge you to take appropriate action against the credit reporting agency responsible for the inaccurate reporting and the entities involved in the unauthorized access and use of my personal information. 

Additionally, I would appreciate any guidance or assistance you can provide in rectifying the inaccuracies in my credit report and safeguarding my personal information from further misuse. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently work towards resolving this violation and protecting consumers ' rights. 

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