vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> To : Credit Reporting Agency Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for XXXX from XXXX XXXX XXXX , listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit le. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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 2024-12-05 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-05 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:
I am demanding immediate clarification regarding the method of verification your bureau uses to confirm the accuracy of disputed items on my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to know exactly how disputed items are verified. I expect you to provide me with complete transparency about the following : The exact process or method your bureau uses to verify disputed items. 
The identity of the entity/entities responsible for carrying out this verification. 
Any documentation or evidence used to support the accuracy of the disputed items. 
I am fully aware of my rights under the FCRA, and I expect full compliance with this request. If you can not provide verifiable proof for these items.

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 2024-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hello! Excitedly, near XX/XX/XXXX, at the invitation of American Express, I applied, and was approved, for an American Express Gold Card to participate in their Rewards Points Bonus Program which provides XXXX Rewards Points for spending $ XXXX within 6 months, plus XXXX XXXX  for XXXX XXXX spend categories, and XXXX Points for $ XXXX spend within 6 months on a second card, for a total of XXXX Reward Points. 

While the spend amount was high ( {$21000.00}! ), I dutifully met and exceeded charging {$22000.00} to the card by exactly XX/XX/XXXX, for which ( according to AMEX 's terms ) I will receive XXXX Rewards Points. 

But AMEX doesn't make it that simple or fair. Even though I clearly met the spend requirement, come to find out, AMEX has a self-serving ( anti-consumer ) behavior of XXXX deducting any and all returns from my spend amount ( including past the bonus offer 's XXXX months period ), while at the same time, completely disregarding any additional purchases I made past the bonus offer 's XXXX months, which is completely one-sided, favoring them, of course. All of this to seriously cheat me out of the Rewards Bonus they promised and I achieved by making enormous financial sacrifices! 

Given the large amount {$22000.00} that I spent on the card, it's completely natural and expected for there be some immaterial returns, and there were, about {$500.00}, but after the XXXX months bonus offer had already *passed*. If the {$500.00} spend is so important to AMEX, I'm more than happy to cover the XXXX offer returns amount with additional charges, although I have loyally continued to put charges on the card, including past the initial bonus offer six months. 

AMEX is trying to have their XXXX XXXX XXXX XXXX XXXX, by forever deducting returns, while selfishly ignoring additional purchases, and then harshly punishing customers, which is ironic, because their very aggressive sales people have no problem picking up a phone to push their cards, hard. The same can't be said for they way they continue to treat customers, as I am experiencing. 

Milestones : XX/XX/XXXX : Approved for card. 
By XX/XX/XXXX : Spent {$22000.00} on card. 
XX/XX/XXXX : Satisfied Rewards Points Bonus Offer Spend Requirement. 
XX/XX/XXXX : Waiting to Receive XXXX Rewards Points... 

Thanks for looking into this! I'm looking forward to to receiving my hard earned points. Please let me know if you want any additional details from me. 

All my best and Happy Holidays!! : - ) Attachment : AMEX Credit Card Transactions Showing Bonus Spend Requirement Satisfied XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: CA

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXXXX/XX/XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXX/XX/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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
We have an account at Truist Bank ending in XXXX. 

The account had fraud which was reported to Truist at the time the fraud was noticed. 

The fraud stemmed from someone stealing the debit card number. 

Truist opened a claim No : XXXX and denied reimbursement of the 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 2024-12-05 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
On XX/XX/year> I requested an investigation of my credit file because I felt the item was not being reported legally. On XX/XX/year> I received a letter stating the investigation was complete and the following items had been verified. Since XXXX concern about the practices of credit reporting agencies using service like E-Oscar & XXXX to verify information I need you to please answer the following question : Please provide me a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. As required by FCRA.

1.Who did you speak with?

2.What was the date?

3.How long was the conversation?

4.What was their position?

5.What number did you call? 6.What is the name of your employee that spoke directly to the creditor?

7.What is the position of your employee that spoke to creditor?

This inaccurate reporting has caused me SEVERE financial and emotional distress & Id like this matter resolved immediately. Please reply within 15 days to the above question or delete the following items. 

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 2024-12-05 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: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Sezzle Inc.
State: CA

Complaint narrative:
I started a loan with Sezzle for an XXXX purchase for the amount of XXXX on XX/XX/XXXX. I then made a payment on that loan of XXXX on XX/XX/XXXX and again in the amount of XXXX on XX/XX/XXXX. Sezzle then AUTOMATICALLY, without my consent refunded XXXX of that original XXXX and started a BRAND NEW loan of XXXX cents and AUTOMATICALLY charged my credit card for XXXX on XX/XX/XXXX. Then I spoke with XXXX representatives who were very unhelpful and blamed me for opening a new loan. I tried to explain to them that this was automatically done on their end and that I didnt even have purchase power to start a new loan. Then I requested the customer support phone number several times and after the 3rd time of me insisting on the phone number, the agent reluctantly gave me the customer support phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MI

Complaint narrative:
- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, MI XXXX - New address XXXX XXXX XXXX XXXX, XXXX MI XXXX - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXX - Old - Email : XXXX Company Information : - Company Name : XXXX XXXX - Address : Complaint : I am submitting this complaint to request the immediate deletion of the XXXX  XXXX collection account ( Reported : XX/XX/year> - {$2500.00} ) from my credit report. This account is inaccurate, and the constant harassment and threatening remarks from the creditor are causing me significant distress. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct, including making threats of garnishment or wage seizure.

4. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

5. _15 U.S.C . 1692f_ : This law prohibits debt collectors from engaging in unfair or unconscionable means to collect a debt.

6. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MI

Complaint narrative:
- Name : XXXX XXXX XXXX - Address : XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX, MI XXXX - New address XXXX XXXX XXXX XXXX, XXXX MI XXXX - Phone : ( XXXX ) XXXX -New ( XXXX ) XXXX - Old - Email : XXXX Company Information : - Company Name : XXXX XXXX - Address : Complaint : I am submitting this complaint to request the immediate deletion of the XXXX  XXXX collection account ( Reported : XX/XX/year> - {$2500.00} ) from my credit report. This account is inaccurate, and the constant harassment and threatening remarks from the creditor are causing me significant distress. 

I invoke the following consumer laws to support my request : 1. _Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq._ : This law requires that credit reporting agencies ( CRAs ) ensure the accuracy and completeness of the information reported.

2. _15 U.S.C . 1681b_ : This law requires that CRAs verify the accuracy of disputed information and delete or correct it if it is found to be inaccurate.

3. _Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692 et seq._ : This law prohibits debt collectors from engaging in harassing, oppressive, or abusive conduct, including making threats of garnishment or wage seizure.

4. _15 U.S.C . 1692e_ : This law prohibits debt collectors from making false or misleading representations, including reporting false information to CRAs.

5. _15 U.S.C . 1692f_ : This law prohibits debt collectors from engaging in unfair or unconscionable means to collect a debt.

6. _Consumer Financial Protection Bureau ( CFPB ) Regulations, 12 CFR Part 1022_ : This regulation requires CRAs to establish and implement reasonable procedures to ensure the accuracy and completeness of the information reported.

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 2024-12-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX Date : XX/XX/year> To : XXXX XXXX XXXX Subject : Request for Removal of Unveriable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ XXXX, Experian, or XXXX ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o for {$0.00} from XXXX XXXX XXXX XXXXXXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unveriable debt from my report as of XX/XX/year>. 
According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and veriable. Since XXXX has removed this account after its verication process, I request that you do the same and remove this unveriable account from my credit report.

Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unveriable information must be deleted from a consumer 's credit XXXX. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unveriable information. Since XXXX has deemed this account unveriable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unveriable, I urge you to align its records accordingly. 
Please provide conrmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including XXXX a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non-compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance.

I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request. 
Sincerely, 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