vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am submitting this formal complaint regarding a credit card application I submitted to American Express ( AMEX ) for the Blue Cash Everyday Credit Card, which was denied in violation of my rights under federal law, specifically 15 U.S.C. 1602 and the Equal Credit Opportunity Act ( ECOA ). 

Upon submitting my Social Security Number on the AMEX credit card application, I initiated a consumer credit transaction, which legally grants me the right to access credit under the terms of 15 U.S.C. 1602. AMEXs denial of my application, and their subsequent adverse action notice, does not cite any provision under federal law that would allow them to deny my right to credit. The adverse action letter sent by AMEX did not offer a valid legal reason for this denial in accordance with ECOA or any other relevant law.

Furthermore, AMEX has an arbitration clause stating that attempts should be made to resolve disputes directly with them before proceeding to arbitration. I followed this process by contacting AMEXs financial and consumer lending departments, but neither department was able to understand or address my concerns adequately. As such, this complaint also serves as a pre-arbitration notice, in line with the dispute resolution procedures outlined by AMEX.

If my benefit is not granted as part of this complaint process, I intend to proceed with arbitration to receive the credit benefit that I am entitled to under federal law.

I respectfully request that the CFPB investigate this matter and take action to ensure AMEX complies with applicable federal laws, including ensuring that consumers are not improperly denied their right to credit. 

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

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

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 2024-09-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2024-09-12 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


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 2024-09-12 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: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, XXXX XXXX XXXX used an intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. XXXX XXXX reported nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. these fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages

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 2024-09-12 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: TX

Complaint narrative:
The company is reporting my personal information incorrectly. I have included a letter and the documentation for you to be able to correct my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
This collection account I am referring to is coming from a living situation where the apartment units I was living in were purchased by the state and the entire community was forced to move out. Unfortunately, myself and a few others were charged as if we broke our lease. 

A year later I found that I was being rejected by other apartments and noticed my credit low. After finding out I had a collections account I paid for XXXX " credit repairers '' to file a dispute with the creditor to provide proof of ownership of the debt. They did not respond either time. The company has tried to call and email that I owe them. I have not signed and payment plan or made any payment, but they have yet to respond and it's been over 6 months. 

I moved out of the stated apartments in XX/XX/year> On my XXXX credit reports, each bureau has a different collection company name and amount owed ; so all of it is inaccurate. 

The XXXX amounts they claim I am responsible for are {$8200.00} and {$8100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
15 U.S. Code 6802 - Obligations with respect to disclosures of personal ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section. CFPB XXXX XXXX HAS VIOLATED MY RIGHTS, SHARING OF MY NON PUBLIC INFORMATION WITH MIDLAND CREDIT MANAGEMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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: FL

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-12 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-12 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: MO

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has XXXX impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-12 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: NC

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and XXXX asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient illegally deprived me as student borrowers of opportunities to enroll in more affordable income-driven repayment plans and tried to forced me to pay much more than they should have. I'm totally confused as to why it happened to me and also caused my personal info to show up on the darkweb, be involved in data breaches, and stolen identity. I would like to get this settled and would like to have all loans that involved Navient, XXXX XXXXXXXX XXXX XXXX and XXXX XXXX to be forgiven, repaid or refunded to me, erased, etc... whichever is feasible to consider or appreciate. I would also like XXXX and or the company XXXX, XXXX XXXX to be looked into as they could be part of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My account with this company is being reported late and i was never late! I have had exceptional payment history with this company and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The inquires below, I did not authorize. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
The inquires below, I did not authorize. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-09-12 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: SC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: LA

Complaint narrative:
I had a fraudulent charge. I contacted the bank. 
The bank made unsuccessful attempt to contact merchant. Three months later I am fighting PNC to provide credit for fraudulent charge and I am getting the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX XX/XX/XXXX Investigation Request Letter To Whom it may Concern, I recently reviewed my credit report and found a few inaccuracies on my account. These issues are negatively affecting my ability to obtain credit. I understand that you will investigate these items to confirm their accuracy. Please verify the following item for me. 

XXXX XXXX  XXXX account XXXX XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXXXXXX XXXX XXXX  accounts # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXXXXXX XXXX XXXXXXXX account XXXX XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

XXXX XXXX XXXX account # XXXX opened XX/XX/XXXX Please investigate If every piece of information is correct, if not correct, please remove off my credit report. 

Are you familiar with 15 U.S.C. 1681i ( a )? According to this regulation, if proof can not be provided for the accuracy of accounts, they must be deleted. I request that you delete any accounts that are not 100 % completely accurate. 
Please investigate the following accounts and remove them if there are any discrepancies. I understand from a credit site and board that you have 30 days to complete this investigation. Kindly check these accounts and inform me of your findings.

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 2024-09-12 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: CBC Companies, Inc.
State: FL

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 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: TX

Complaint narrative:
The inquires below, I did not authorize. 

Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/year>, I filed a claim with JP Morgan Chase regarding a merchant who withdrew more funds from my account than was agreed upon. I was instructed to visit a branch to sign an ACH Statement of Dispute, which I did. The branch bankers faxed the form, and I waited until XX/XX/year> to confirm the receipt. 

Upon calling on XX/XX/year>, I was informed by a representative that my claim had been denied due to " no dispute rights. '' The representative was unable to provide any substantial reasoning or explanation of what this meant. When I requested escalation, I was transferred to a team lead whose behavior was both unprofessional and condescending. This individual incorrectly asserted that my claim had been filed as a dispute for a cancelled transactionsomething I never communicated. 

I made it clear that my issue was the merchant withdrawing more money than authorized, not a fraudulent transaction or a dispute over cancellation. The team lead ignored my explanation, instead repeating that my claim was denied due to a " history with the merchant, '' which was irrelevant to my actual complaint. His dismissive and arrogant tone was uncalled for. After being placed on hold multiple times, the lead said I " didnt want to speak to someone else, just someone who would tell me what I wanted to hear, '' and then hung up on me. 

I called back and eventually spoke to a supervisor, only to be met with the same lack of accountability and professionalism, followed by another hang-up. 

I demand an immediate review and resolution of this claim. I expect a clear and valid explanation for why my dispute has been mishandled and the inappropriate behavior of your staff addressed. This is unacceptable, and I expect a prompt and satisfactory response. If this matter is not resolved properly, I will have no choice but to escalate this issue further.

Company response to consumer: Closed with explanation