vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I've been encountering numerous issues with Amex recently, primarily concerning duplicate charges for which I am fairly certain Amex is at fault. They have billed me twice for the same transaction, even for transactions from the previous statement that I had already paid off. Despite presenting evidence to Amex and engaging in discussions with numerous representatives, I finally spoke with a supervisor who assured me that she would initiate disputes for these duplicate transactions. However, it has been a month, and the charges are still under investigation. Just a few days ago, I made two new transactions, and yet again, Amex duplicated the charges, billing me for a total of four transactions. I find this situation with Amex extremely frustrating at the moment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-23 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: IL

Complaint narrative:
I requested that Experian, a credit reporting agency verify negatives on my credit report. I sent them a certified request letter that was sent out on XX/XX/XXXX and received on XX/XX/XXXX. 

A certified letter was sent on and delivered on XXXX XXXX. Your item has been delivered and is available at a XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 in XXXX, PA XXXX. 

Tracking XXXX XXXXXXXX

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 2023-09-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-09-23 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: FL

Complaint narrative:
Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : XXXX XXXX Account # XXXX : Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balance on this account is incorrect. The accurate balance is {$880.00}. I respectfully request you to verify and validate all data associated with this account. 

These inaccuracies not only violate my rights under the Fair Credit Reporting Act ( FCRA ) but also misrepresent my credit history, financial responsibility, and current account statuses. To rectify this situation and ensure the accuracy and fairness of my credit report, I am formally requesting the immediate removal of these erroneous items from my credit report. 
I am drawing your attention to the XXXXXXXX XXXX XXXXXXXX case, which exemplifies how incorrect reporting can negatively impact consumers ' rights and financial well-being. In the XXXX case, XXXX failed to remove inaccurately reported items despite discrepancies, highlighting the critical nature of accurate reporting and adherence to FCRA guidelines. 

Under my rights granted by the FCRA, I demand the swift removal of the aforementioned inaccuracies to restore the accuracy and fairness of my credit report. I kindly request written confirmation upon the completion of your investigation and the correction of these inaccuracies. 
I sincerely appreciate your prompt attention to this matter. 

Your assistance in resolving this dispute and upholding the accuracy of my credit information is invaluable. Should you require any further information or supporting documentation, please feel free to contact me at 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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: TX

Complaint narrative:
Be advised this is my last attempt to secure my LexisNexis consumer report that Im entitled to under 15 U.S.C. 1681 et seq.

Ive provided you with all the required identification documentation requested, only to continue receiving your moronic boilerplate letters, which Ive attached. 

I need my consumer report by XX/XX/XXXX, or a proper and justified complaint will be filed with the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Someone applied to a JP Chase credit card using my information. On or around XX/XX/23. I also found out because I received a declination letter from chase

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24 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: CA

Complaint narrative:
Consumer has also mailed complaint and judgement of default to California AG office. I have disputed listed accounts ( XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) with XXXX, Equifax and XXXX. Equifax continues to violate against consumer rights by failing to take action for consumer rights and properly handle consumer disputes. The other reporting agencies has removed these listed accounts but Equifax has refused. Consumer has disputed these accounts repeatedly and consumer reporting agency continues to not properly handle disputes according to regulation. Consumer moves to file motion of default against consumer reporting agency Equifax. Reason for this complaint is that Equifax continues to report wrongful and disputed information on consumer report. Consumer has notified Equifax of their constant violations and they have ignored consumer claims. Consumer seeks remedy in the amount of {$10000.00} and demand these accounts be removed immediately- XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX. Violations includes 15 USC 1681a ( e ) meaning of investigative consumer report, 15 USC 1681a ( d ) 2 consumer report does not include transactions and experiences between consumer and person making the report, 15 U.S. Code 6801 protection of non-public information, 15 U.S. Code 1681b consumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. Equifax is in non-compliance and the CFPB must perform it's duties and obligation in taking consumer disputes seriously and holding these consumer reporting agencies accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy. 
15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-09-23 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: DISCOVER BANK
State: FL

Complaint narrative:
Upon thoroughly reviewing my credit report file, I have identified multiple inaccuracies in the reported information, including opened dates, last activity dates, last payment dates, and balances, which require immediate attention. 

The specific inaccuracies I wish to address are as follows : Discover Account XXXX XXXX XXXX Opened Date : The reported opening dates for this account are incorrect. The accurate opening dates for this account are XX/XX/XXXX and XX/XX/XXXX. I kindly request you to verify and validate all data associated with this account. 
Last Activity Date : The reported last activity dates on this account are inaccurate. The accurate last activity dates are XXXX XXXX, and XX/XX/XXXX. I respectfully request you to verify and validate all data associated with this account. 
Last Payment Date : The reported last payment dates on this account are inaccurate. The accurate last payment dates are XXXX XXXX XXXX. I kindly request you to verify and validate all data associated with this account. 
Balance : The reported balances on this account are incorrect. The accurate balances are {$1000.00} and {$700.00}. I respectfully request you to verify and validate all data associated with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I See that within my name its says the following in which is false reporting an inaccurate ALSO KNOWN AS XXXX XXXX XXXX XXXX Also my address across the three bureaus aren't alining my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Incorrect addresses reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL 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 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I See that within my name its says the following in which is false reporting an inaccurate ALSO KNOWN AS XXXX XXXX XXXX XXXX Also my address across the three bureaus aren't alining my correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Incorrect addresses reporting on my credit is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello There, I tried reaching out to Oportun regarding the status of my account. I called them multiple times about my account and payments. With the loss of my job, Oportun placed me into a hardship program. I was able to continue to make payments on the account. However, they have my email, number, and address to stay in communication with me. During the time Oportun did not reach out to me regarding my account they continued to let the days accumulate. Oportun has me in the system to call or text. I told them I would like communication due to financial hardship and losses in my family. They failed to communicate with me regarding my account. I called in to discuss my account the representative stated they charged off the account and your account has been sold. I dont understand why they would do this to me when I requested communication. Oportun continued to take payments but didnt follow up on my account. The balance on my credit report is incorrect and Im requested that the charge off be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am reporting that company JPMCB CARD has illegally flagging and RE-aged on my credit report a Charge-off on the date of XX/XX/2023. 
Source : XXXX XXXX : JPMCB CARD Address of JPMCB : XXXX XXXX XXXX, XXXX, DE XXXX CompanyPhone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( ChargeOff ) Illegal and False Balance Date reported : XX/XX/2023 to re-age the account. 

JPMCB violated FCRA. The JPMCB has recently changed the date of the original delinquent date. illegally " re-aging '' this account on my report. This new date reported is reported is XXXX XXXX. Which is purposely FALSE and INACCURATE,. The original and first delinquency date on this charged-off account is important to verify the accuracy of the first delinquency date reported by the creditor. Importantly, this date determines the length of time ( 7 years ) on my report and statute. I am requesting an investigation, apply necessary fines against JPMCB for deceptive, false reporting and deletion of this inaccurate and harmful account permanently from my credit report and a blatant violation of my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received a letter from Transworld Systems Inc. in early XXXX indicating I had an outstanding debt from XXXX XXXX account number starting with " XXXX '' which I do not recognize. I never received a bill from XXXX XXXX and they never attempted to collect any money from me. TSI also provided no additional information to verify what the amount is for. The letter did state I had until XX/XX/XXXX to respond by disputing or asking for additional information, but provided no date for when payment is due. 

I then received a second letter less than two weeks later attempting to collect the debt again with even less information. Upon viewing the payment site, it looks fraudulent and none of the phone numbers, logos and addresses match. I can even enter an incorrect SSN into the registration site when attempting to review the debt. 

This is highly unprofessional and has me concerned this request is fraudulent. If this is a first attempt at payment, then a due date should be provided and respected. The harassment of sending multiple letters is disturbing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23 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:
ive just received my credit report and notcied unauthorized items that shouldnt be reporting to my credit profile. And in accordance to the FAIR CREDIT REPORTING ACT, XXXX account XXXX XXXX XXXX XXXX, and a Fraudulent address XXXX XXXX XXXX XXXX, TX XXXX has violated my rights 15 USC 1681 602 A stsates I have the right to privacy 15 USC 1681 604 A section @ states a consumer reporting agency can not furnish an account without my consent If you have any questions or concerns i can be reached at 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 2023-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NRA Group, LLC
State: NC

Complaint narrative:
This is XXXX XXXX with new & updated information about my previous complaint XXXX. I am demanding that NRA Group LLC comply with the CFBP executive order & delete this alleged medical debt from my consumer report immediately. Failure to comply with the executive order may result in legal action pursuant to 15 USC 1692k for non-compliance.

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 2023-09-23 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: IN

Complaint narrative:
I am not liable for the debt with XXXX  and I do not have a contract with them or XXXX. I know nothing about this account and demand it be removed ASAP

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 2023-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ) Account # XXXX has violated my rights.15U.S.C1681 section 602 A. States I have the rights to privacy.

15U.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 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2023-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I signed up for the CareCredit for a specific purchase that offers no interest if paid in time. I used the app to pay and paid the minimum amount that it indicated. It did not say anything about this amount being too low for the promotion or give me any notices on the app, or show an alternative amount to be paid. Other cards manage to do this just fine within their app. They say it is in the estatement, but I believe they are fully aware that most people use the primary page on the app to determine what is owed and find information. I think this is ann intentionally misleading practice to hide important information from the customer.

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 2023-09-23 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: DE

Complaint narrative:
I recently reviewed a copy of my credit report I was shocked to learn I have been a victim of identity theft I found numerous accounts on my consumer report that wasn't opened by me I am in pursuit of purchasing a home please remove this from my consumer report as soon as possible

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 2023-09-23 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: IN

Complaint narrative:
I am not liable for the debt with XXXX  and I do not have a contract with them or XXXX. I know nothing about this account and demand it be removed ASAP

Company response to consumer: Closed with non-monetary relief