vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I applied for the American Express Gold Card under the impression that it was a charge card with no preset spending limit, as advertised. This feature was one of the primary reasons I chose this card. However, shortly after I began using the card, a {$1700.00} spending limit was imposed on my account without prior notice or clear justification. 

Over the past two years, I have maintained an excellent payment history with no late payments or delinquencies. Despite this, American Express has refused to remove the spending limit or reevaluate my account, citing vague and generalized reasons. When I contacted them on XX/XX/XXXX, I was told to wait one year for a review of my account. Now, on XX/XX/XXXX, I reached out again and was given the same response : to wait yet another year. This repetitive and indefinite deferral feels like a clear display of bad faith. 

Additionally, I am being charged a significant annual fee for a card that does not provide the benefits or flexibility that were promised during the application process. This situation constitutes misrepresentation and fraudulent advertising, as the card was marketed as having no preset spending limit but later imposed restrictive limits without explanation or opportunity for appeal. 

American Express has also denied my request to downgrade the card to a no-annual-fee version, leaving me with limited options. If I close the account, it will harm my credit score, further penalizing me as a loyal customer. 

This lack of transparency, refusal to provide solutions, and continuous deflection of accountability are unacceptable and detrimental to the trust I placed in American Express as a financial institution. I am seeking a resolution that includes : Immediate removal of the {$1700.00} spending limit, or a clear and fair evaluation of my account. 
Waiver of the annual fee due to the card failing to meet its advertised benefits. 
The ability to downgrade the card to avoid further financial burden. 
This situation reflects poor customer service and bad faith practices, and I request immediate action to address these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Contacted a representative of XXXX XXXX and informed him that I was trying to purchase a home. He ask me about any changes and told me he would be able to assist me in purchasing a home. Two weeks later I was informed he wouldn't be able to assist me even though we had spoken about my situation several times.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Contacted a representative of XXXX XXXX and informed him that I was trying to purchase a home. He ask me about any changes and told me he would be able to assist me in purchasing a home. Two weeks later I was informed he wouldn't be able to assist me even though we had spoken about my situation several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Contacted a representative of XXXX XXXX and informed him that I was trying to purchase a home. He ask me about any changes and told me he would be able to assist me in purchasing a home. Two weeks later I was informed he wouldn't be able to assist me even though we had spoken about my situation several times.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding inaccurate reporting by Experian. The account in question is with XXXX XXXX XXXX, which continues to be reported on my credit report despite having been removed.

I have obtained my credit report from Experian 's official website, which I will be uploading alongside my report from XXXX for your review. The discrepancies between these reports is that XXXX XXXX XXXX is still present on XXXX XXXX XXXX  15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers.

I respectfully request that you investigate this matter to ensure compliance with federal regulations and to protect consumers like myself from erroneous credit reporting.

Thank you for your attention to this important issue. I look forward to your prompt response.

Sincerely,

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Inaccurate Reporting by Experian Dear Sir/Madam, I am writing to bring to your attention a concerning issue regarding inaccurate reporting by Experian. The account in question is with XXXX XXXX XXXX, which continues to be reported on my credit report despite having been removed.

I have obtained my credit report from Experian 's official website, which I will be uploading alongside my report from XXXX for your review. The discrepancies between these reports is that XXXX XXXX XXXX is still present on Annual credit report.com 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers.

I respectfully request that you investigate this matter to ensure compliance with federal regulations and to protect consumers like myself from erroneous credit reporting.

Thank you for your attention to this important issue. I look forward to your prompt response.

Sincerely,

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 2024-11-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting ACT. The list of accounts below has violated my federal protected and confidentiality under 15 USC 1681. I told XXXX, Transunion, and XXXX to investigate these accounts : XXXX  XXXX account number XXXXXXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, Dep of ED/XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX  XXXXXXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX  account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX . account number XXXX, XXXX XXXX XXXX. account number XXXX, XXXX  XXXX XXXX  account number XXXX, XXXX  XXXX XXXX  account number XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX account number XXXX, Dpt OF EDXXXX account number XXXX, XXXX XXXX XXXX account number XXXX, XXXX  account number XXXX, DPT edXXXX account number XXXX, Dpt edXXXX account number XXXX, XXXX account number XXXX, Dpt edXXXX account number XXXX, XXXX account number XXXX, XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX, Dpt ed/XXXX account number XXXX. However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting ACT. The list of accounts below has violated my federal protected and confidentiality under XXXX XXXX XXXX. I told XXXX, XXXX, and Equifax to investigate these accounts : XXXX  XXXX account number XXXX XXXX XXXX  account number XXXX, XXXX XXXX  account number XXXX, Dep of ED/XXXX account number XXXX, XXXX XXXX XXXX account 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  Dpt OF EDXXXX account number XXXX, XXXX XXXX XXXX account number XXXXXXXX XXXX  account number XXXX, DPT edXXXX account number XXXX, Dpt edXXXX account number XXXX, XXXX account number XXXX  Dpt edXXXX account number XXXX, XXXX  account number XXXXXXXX XXXX XXXXXXXX  account number XXXX, real page XXXX, Dpt edXXXX account number XXXX. However, they stated everything was complete and accurate, but how is that possible if the open date, date of last activity, and much more is incorrect? According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-18 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: HI

Complaint narrative:
Section 605B of the Fair Credit Reporting Act ( FCRA ) deals with blocking information resulting from identity theft. Specifically, it provides a mechanism for consumers to request that credit reporting agencies ( CRAs ) block information on their credit reports that resulted from identity theft. Heres an overview of its key components : Key Points of FCRA Section 605B : Request to Block Information Due to Identity Theft : If a consumer discovers that certain information on their credit report is a result of identity theft, they can submit a request to the credit reporting agency to block this fraudulent information.

Documentation Requirement : To process the request, the consumer must provide : A copy of an identity theft report, typically filed with law enforcement or a government agency.

Proof of identity, such as a Social Security number or a drivers license.

Obligations of Credit Reporting Agencies : Once the CRA receives the proper documentation, it is required to block the disputed information within four business days.

The CRA is also responsible for notifying the entities ( such as creditors ) that furnished the fraudulent information.

Exceptions to Blocking Requirements : The CRA is not required to block information if it has substantial reason to believe that : The information is accurate.

The information was blocked in error or due to fraud in the identity theft report itself.

The consumer made a misrepresentation in the request to block the information.

Notification to the Consumer : If a CRA decides not to block the information ( due to exceptions ), it must notify the consumer in a timely manner, explaining the reasons for the decision.

This section provides consumers with important protections against identity theft by allowing them to remove fraudulent information from their credit reports, which can otherwise damage their credit scores and financial standing.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Please take this complaint seriously as this have been negatively affecting me in all aspects of my life. I am writing to dispute inaccuracies on my credit report that are affecting my financial well-being. There are errors in the information being reported that are not a true reflection of my credit history. These inaccuracies have lowered my credit score, making it difficult to secure loans and resulting in higher interest rates, which has created unnecessary financial strain. These are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2024-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

INQUIRIES : 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/year>

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 2024-11-18 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

INQUIRIES : 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/year>

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 2024-11-18 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: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this 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 2024-11-18 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: MS

Complaint narrative:
I am writing to formally request that all of the accounts listed below be blocked and deleted from my credit reports, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of a data breach. As a result of this breach, these accounts were compromised and do not belong to me.

Accounts to be Blocked and Deleted : XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$560.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$520.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$800.00} Inquiries Linked to Fraudulent Accounts : XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief