vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
XXXX. Paid minimum payment on XX/XX/XXXX XXXX. XXXX XX/XX/year> : Apparent turn-on of automatic payment mechanism that attempted to pay for entire balance ( processing date ). No funds were available for this and they are attempting to continue to try and process this, and they cant stop this process per AMEX. They have suspended my accounts until this process ( 3x ) completes, with no hard date established. Fee levied for insufficient funds ; cards turned off. 
XXXX. Keep in mind : this was the extra payment I was not aware was going to be made ; I have met my minimum debt payment obligation from minimum payment made. 

XXXX. Several calls over first week of XXXX ; multiple measures to try and use card. While account was not behind and minimum debt-service obligations were met ( admitted by AMEX ) XXXX policy-holds that they must try three times. Multiple transfers. XXXX cases opened with policies that state they will never follow-up on their own, I must follow up. I call to follow up and they just read the complaint with no deliverable solution or meaningful address. 

Comment to CFPB : While AMEX states it is in contract and policy : I dont know what consumer protections are in place for those who have met the minimum payment obligation ; and AMEX has a lengthy and time-consuming process to reverse confusing and unsure extra auto-debit payment process. Is it appropriate to levy a fee ; and suspend card in this process? Why does AMEX automatically attempt to continue payment process two more times after I gave notice to AMEX that this extra payment wont be able to be processed. 

Requesting : XXXX. The insufficient funds fee was reported as refunded after tireless request. 
XXXX. Part of annual fee is to receive certain credits for payments of vendors. Some of these vendors have bills coming up, and I have to use another card due to this issue; and am thus not receiving adequate consideration for this card. 
XXXX. Use of cards. I am suspended from use of this card and all cards I have with AMEX due to their policies even though I have met my minimum debt service obligations. There should be mechanisms by AMEX to stop auto-processes to make payments go through that are extraneous payments and the consumer has met the minimum payment. Attempts XXXX and XXXX should not be required for me to wait for. Because there are none, I am experiencing the burden of the Annual fee without being able to experience card benefits and use of this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting 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: WI

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX I looked at my credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

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

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX Experian Dispute Department po XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Under the Fair Credit Reporting Act ( FCRA ) Dear Experian, I am writing to dispute inaccurate information reported on my credit report concerning an account with XXXX Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute information that is incomplete, inaccurate, or unverifiable. The account details in question are as follows : - Creditor Name XXXX XXXX - Account Number : - Nature of Dispute : Inconsistent and inaccurate reporting of account details, payment history, and status. 

Specific Discrepancies : 1. Payment History Accuracy : - My payment history reflects 93 % of payments made on time, yet the report also indicates a " Not Current '' status in certain months. This inconsistency does not align with the record of my payments, which show no amounts past due as of XX/XX/2024, with the status listed as " XXXX ''. 

2. Account Status Misclassification : - The account is inaccurately classified as an Open Charge Account while no past due amounts ( {$0.00} ) are reported. This designation is misleading and could negatively impact my credit score. 

3. Utilization Report Error : - While my credit utilization is noted as 63 %, the report inconsistently lists the credit limit twice as {$2900.00}, which creates ambiguity. The reported balance of {$1800.00} should reflect correctly based on my payments Applicable Consumer Protections : Under the FCRA : - 15 U.S.C. 1681e ( b ) : Credit reporting agencies must maintain maximum possible accuracy in their reports. These inaccuracies violate this requirement.

- 5 U.S.C. 1681i ( a ) : I am entitled to a thorough reinvestigation of disputed information within 30 days.

- 15 U.S.C. 1681i ( a ) ( 5 ) : If the information can not be verified, it must be corrected or removed promptly.

Requested Actions : 1. Investigate and verify the account information, including payment history, account status, and credit utilization.

2. Correct any inaccuracies or inconsistencies in the report.

3. Provide me with written confirmation of your findings and a corrected credit report.

If the information can not be verified, I request its immediate deletion from my report. Failure to address this dispute adequately may result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) or seeking legal remedies.

I look forward to your written response and resolution within the legally required timeframe. 

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 explanation
Consumer complaint received 2024-12-06 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Request for Investigation Evidence and Resolution of Fraudulent Accounts under the Fair Credit Reporting Act ( FCRA ) Failure to Fulfill FCRA Obligations Dear Equifax, I am writing to formally follow up on the dispute I submitted to you on XX/XX/year> regarding a fraudulent account that appears on my credit report. As I have previously stated, this account is the result of identity theft, which I have reported to the Federal Trade Commission ( FTC ) and documented through a police report.

Under the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation into any disputed information on my credit report, and notify me of the results of the investigation within 30 days of receiving the dispute. Additionally, Section 611 of the FCRA stipulates that I am entitled to receive evidence of your investigation, including verification of any actions taken by you or the data furnishers ( creditors ) to resolve the dispute. 

To date, I have not received a response that satisfies the FCRA requirements, nor have I been provided with evidence of your investigation into the fraudulent account. Specifically, the account in question is as follows : XXXX XXXX XXXX XXXXXXXX This account was opened as a result of identity theft, I respectfully request the following from you : Evidence of the Investigation : Please provide detailed documentation of the investigation you conducted, including copies of any communications with the creditors or data furnishers associated with this fraudulent account. 
Verification of Actions Taken : Provide a clear, detailed summary of the actions you took to verify the accuracy of the disputed account, including the steps you followed to confirm the legitimacy of this account, and the results of your investigation.

Account Blocking Confirmation : As required by the FCRA, I request that the fraudulent account be blocked from my credit report. If this account has not yet been blocked, I ask that you explain why this has not been done. 
Please provide me with an updated copy of my credit report showing the results of your investigation, including the removal or correction of the fraudulent account. 
I would like to remind you that under Section 611 of the FCRA, you are required to respond to this dispute within 30 days. Failure to provide the requested documentation and evidence of your investigation will result in further action, pursuing potential legal action for failure to comply with the FCRA. 

Please consider this a final request for resolution of this matter. I expect to receive a clear response and the requested evidence within the statutory 30-day period. Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing a complaint concerning the unauthorized and inaccurate collection account appearing on my credit report with Experian. I previously invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and requested the debt collector cease all communication with me. However, they have continued to report this account to Experian, which constitutes a violation of my rights and negatively affects my credit score. This continued reporting also breaches the Fair Credit Reporting Act ( FCRA ), as the disputed information is both inaccurate and improperly verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 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: IL

Complaint narrative:
I have not supplied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NE

Complaint narrative:
On XX/XX/year>, I opened a new Standard Savings account with US Bank. They advertised a {$200.00} bonus offer ( promo code XXXX ) for new accounts opened through XX/XX/XXXX that deposited at least {$15000.00} in new money by XX/XX/XXXX and maintained a minimum account balance of {$15000.00} until XXXXXXXX XXXX XXXX. I met all the requirements for the bonus, but did not receive the funds after XX/XX/XXXX. ( I have attached a document with the terms and conditions. ) On XXXX XXXX, I contacted US Bank via live chat and was told I met the requirements and should receive my bonus on XXXX XXXX. XXXX XXXX came and went with no bonus. On XXXX XXXX, I called US Bank via their customer service phone number and was told they were submitting a research request to determine why my bonus had not been paid. They said I should get an email response in XXXX business days. I have not received a response. 

Please assist me insetting the {$200.00} bonus I was promised.

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