vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
Have tried to spend AmEx gift card at numerous merchants, directly and via XXXX XXXX. Payment is declined due to billing address errors or just not accepted. 

Unable to get resolution from AmEx.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My name is XXXX XXXX, and I currently have XXXX  years of XXXX  service in the XXXX XXXX XXXX XXXX I have been a loyal customer of American Express ( AMEX ) for XXXX  years. During this time, I have never had my account in bad standing, never missed a payment, maintained a credit score of XXXX, and held multiple credit cards with AMEX . 

During a XXXX XXXX flight, I came across a promotional offer for XXXX bonus points if I applied for the XXXX XXXX XXXX American Express XXXX. Since I travel monthly from XXXX D.C., to XXXX to visit my daughter, I found the offer attractive, as it could help offset travel costs. I applied for the card and was immediately approved. 

I met the spending requirement of {$3000.00} within XXXX months and allowed sufficient time for the bonus points to be distributed. However, when it was time to reserve my monthly trip to XXXX, I noticed that AMEX had not delivered the promised points. I submitted a ticket, and the agent who reviewed my account confirmed that I had met all the card 's requirements to receive the points. Despite this, the credit card company denied the points, citing my credit and account history with AMEX as the reason. 

This reasoning is unacceptable. As mentioned earlier, I have been a customer of AMEX for XXXX years, have never carried a balance on a card for more than XXXX months, and have always paid my debts promptly. My account history clearly reflects this. 

This is a blatant example of false advertising and an abuse of trust. In todays political climate, where some groups are pushing to dismantle agencies like the CFPB, this case has the potential to demonstrate to the American public just how essential these agencies are in protecting consumers and holding corporations accountable. Publicizing this case could help show the critical role the CFPB plays in ensuring fairness and transparency for all. AMEXs treatment of a loyal customer, who has served this country for 19 years, is not only unjust but deeply concerning. If they are willing to exploit a service member with a flawless XXXX history as a customer, one can only imagine how they might treat others.

I was counting on those points to help offset holiday travel costs, and instead, Ive been subjected to what feels like a predatory and dishonest practice. This behavior is unacceptable, and I am asking for your assistance in ensuring AMEX is held accountable for their failure to honor their commitments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
In XX/XX/year>, there were several fraudulent charges placed on our Barclays credit card. I contacted Barclays and they reverse the charges and I closed the account in XXXX. I paid the remaining interest on XX/XX/XXXX and had a XXXX balance on the account. On XX/XX/year> Barclays again placed the {$28.00} charge, that was previously determined to be fraudulent, back on my account. I called to report it as fraud again. I asked to speak with a supervisor three times and they refused to speak with me. They also would not tell me how charges are showing up again on my closed account and they will not tell me how to prevent it from happening again. I am very concerned that if I had not been checking my account, I would never have known this charge was back on the account and it would impact my credit score. I am also very concerned that Barclays is not working with me, just passing me from department to department. Please advise me on what steps I can take to resolve this matter.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These fraudulent accounts need to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : Credit Score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiries NOT Included in Dispute : XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Open

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Information reported by credit bureaus are fraudulent and incorrect

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Information reported by credit bureaus are fraudulent and incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
TD Bank closed my account for alleged Fraud, but has failed provide full explanation of cause, reopen mew account to process outstanding checks, allow me To file claim for lost funds, Provide non-conflicting instructions, Correct account notes, replenish my account balances, or act in a prudent or transparent manner to resolve. TD Bank has repeatedly acted in a Confrontational and Accusatory manner while concealing steps to ensure restoration of my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX has illegally falsely submitted a dispute without my consent that caused substantial decrease of my credit score as a XXXX discriminating tactic to hold my personal credit score at poor rating because I have made complaints against XXXX for incorrect and improper credit score calculations and reporting to lenders and not positively crediting my score correctly each month after positive credit account information is being reported to XXXX each month. I did not file a dispute with XXXX therefore they illegally filed a dispute on my behalf which has no results of any changes to my report only a significant decrease in credit score without any explanation of why the change in score only to refer to credit report which doesnt show any changes. XXXX has used discriminating practices to negatively impact credit score in retaliation to complaints about their company. XXXX has not properly and accurately applied points to my credit score each month in efforts to hold credit score down to poor rating. Experian customer support is unprofessional and rude unwilling to provide support avoiding and deterring consumers with discrimination tactics to prevent them from complaining about their company

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX has illegally falsely submitted a dispute without my consent that caused substantial decrease of my credit score as a XXXX discriminating tactic to hold my personal credit score at poor rating because I have made complaints against XXXX for incorrect and improper credit score calculations and reporting to lenders and not positively crediting my score correctly each month after positive credit account information is being reported to XXXX each month. I did not file a dispute with XXXX therefore they illegally filed a dispute on my behalf which has no results of any changes to my report only a significant decrease in credit score without any explanation of why the change in score only to refer to credit report which doesnt show any changes. XXXX has used discriminating practices to negatively impact credit score in retaliation to complaints about their company. XXXX has not properly and accurately applied points to my credit score each month in efforts to hold credit score down to poor rating. Experian customer support is unprofessional and rude unwilling to provide support avoiding and deterring consumers with discrimination tactics to prevent them from complaining about their company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
XXXX XXXX XXXXexperian.comXXXX  The report is stating that is closed and a charge I also have disputed this before and they put it back on my report and and the report is listing incorrect address my address is XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Wisconsin and I have disputed them also

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Subject : Request for Method of Verification Pursuant to FCRA Dear Experian Team, Please be advised this is MY SECOND WRITTEN REQUEST, formally disputing the accuracy of information being reported under my name on my credit report. Although you responded stating the information has been verified, as a consumer seeking to ensure the accuracy of my credit file, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 7 ), ( 15 USC 1681i ( a ) ( 7 ) ), which mandates that a consumer reporting agency must provide the method of verification they relied upon when responding to a dispute. XXXX XXXX XXXX XXXX Reason for Dispute : Inaccurate Information/ Account not Verifiable Instruction for Dispute : Delete these accounts Under the FCRA I have the legal tight to obtain the following : Method of verification : For purposes of this section, the term method of verification means ( A ) procedures that a consumer reporting agency uses to verify the accuracy of information disputed by a consumer ; and ( B ) the identity of the person providing the information that is the subject of the dispute. Documentation of Investigation : Please provide details of the method used to verify this information, including the original source of information and the specific documents reviewed during your investigation process. 15-day Requirement : I have reached out to your office regarding inaccuracies in my credit report, and I expect full compliance with the provisions of the FCRA. According to Section 611 ( a ) ( 6 ) ( B ) ( ii ) ( 15 USC 1681i ( a ) ( 6 ) ( B ) ( ii ) ), it is your obligation to investigate of my dispute and provide me with the results, along with the method by which you verified the accuracy of the disputed information. Furthermore, under Section 611 ( a ) ( 5 ) ( 15 USC 1681i ( a ) ( 5 ) ), if the reported information is found to be inaccurate or unverifiable, you are required to promptly delete the item from my credit report. I expect a thorough investigation of my dispute, including a detailed account of the method used to verify the information that I have contested. Failure to comply with these legal requirements may result in further action, including a complaint to the Consumer Financial Protection Bureau and potential legal action. Please provide me with the requested documentation within 15 days of receiving this letter. It is essential for my financial well-being that this matter is addressed promptly and accurately. I have submitted the final walk through with no charges and they only submitted a lease that does not verify charges. Thank you for your immediate attention to this serious matter.

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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Some one has been using my social security number for employment. I found this out through the government calfresh works program. Also Im currently undergoing bankruptcy and the same issue showed up as someone using my social for employment.

Here is the last info that was collected this year on employer info for this person that showed up on my credit report. 
( XXXX XXXX. XX/XX/scrub>XXXX XXXX ) thats all the info I have at the moment. 
What else can I do to stop this?

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 2024-12-28 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Multiple hard inquiries on credit report need to come off it is affecting my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
On multiple occasions, I discovered several fraudulent accounts and transactions on my credit report, which I believe were the result of identity theft. The fraudulent accounts were reported by various companies between XXXX and XXXX, including credit cards, auto loans, and charge accounts. These accounts were opened without my consent or knowledge, and I had no prior dealings with the companies involved. 

The accounts listed XXXX ( Credit Card ) Reported on XX/XX/XXXX, with a balance of {$290.00} and a credit limit of {$300.00}. 

XXXX ( XXXX XXXX Credit Card ) Reported on XX/XX/XXXX, with a balance of {$470.00} and a credit limit of {$8000.00}. 

XXXX XXXX ( Credit Card ) Reported on XX/XX/XXXX, with a balance of {$360.00} and a credit limit of {$200.00}. 

XXXX ( Charge Account ) Reported on XX/XX/XXXX, with a balance of {$240.00} and a credit limit of {$2500.00}. 

XXXX XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$780.00}. 

XXXX XXXX, XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$24.00}. 

XXXX XXXX  XXXX ( Secured Credit Card ) Reported on XX/XX/XXXX, with a {$0.00} balance and a credit limit of {$0.00}. 

XXXX XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$15000.00} and the status of repossession. 

XXXX ( XXXX XXXX ) Reported on XX/XX/XXXX, with a balance of {$7400.00} and the status of repossession. 

To dispute these fraudulent accounts, I sent verified mail to all three credit bureaus XXXX, Equifax and XXXX on XX/XX/XXXX, and again on XX/XX/XXXX, to verify my identity and report the fraud. It has now been more than 30 days since I initiated the disputes, and I have still not received any updated information regarding these fraudulent accounts from the credit bureaus. I have not received a response or updated credit report reflecting the removal of these accounts. 

I am requesting that the fraudulent accounts be removed from my credit report as required under the Fair Credit Reporting Act ( FCRA ), and that all collection activities related to these accounts cease immediately. I also request an updated copy of my credit report to reflect the removal of the fraudulent items and to ensure that my credit information is accurate. 

By publishing this description, I hope to inform others of the challenges faced when dealing with identity theft and how important it is to take swift action in reporting and resolving fraudulent activity.

Company response to consumer: Closed with non-monetary relief