vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-08 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: GA

Complaint narrative:
So I signed up for the American Express XXXX XXXX Preferred card which pays 6 % cash back for groceries, 3 % cash back for fuel/gas station and 1 % for all other charges. There are more perks to the card as they advertise, but I mainly applied and received this card for fuel/gas purchases and groceries purchases. 

I applied and received this card in late XX/XX/year>, and upon receipt of the card I started using it for my daily purchases. As I was reviewing my statement and cash back rewards, I noticed that I was only receiving 1 % cash back for my fuel purchases. I immediately called and spoke to a CSA and was told that XXXX XXXX stations didn't apply for the 3 % cash back, due to them being classified as a supermarket. I stated great, since it's classified as a supermarket I should be receiving 6 % cash back. Clearly in the terms and conditions and explanation of benefits I received and viewed when I applied for the card, I should be receiving more than 1 %. Please note that XXXX 's is me and my family main store for groceries and fuel/gas. 

The title American Express has on my credit card statement clearly shows that XXXX XXXX was the location and where the purchase was made. But yet, American Express states that they are not paying the 3 % as agreed upon in the agreement with the card benefits. They also stated that if I cancel due to this reason, then my American Express profile possibly could be affected due to opening/closing accounts within a one-year period. 

All I am asking for is the cash back that I have earned, and I am entitled to per the terms and conditions of my agreement. I offered to send in receipts for fuel purchased, showing that all purchases at the fuel station were in fact for fuel and not convince store items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: VA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

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 2025-02-08 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: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2025-02-08 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:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2025-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am requesting a copy of IRS Form 1099-C for the canceled debt associated with my account. Here are the account details : Account Name : Comenity Bank/Torrid Account Number : XXXX Date Opened : XX/XX/XXXXXXXX  Charge-Off Amount : {$610.00} Date of Charge-Off : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: VA

Complaint narrative:
I have contacted DEPTEDNELNET to inform them of my current financial situation and to make them aware that I am unable to pay my student loans at this time. Despite my attempts to communicate my financial hardship, the loans remain on my credit report, and I am seeking assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/year>, I was contacted by what I believed to be my boss, who requested that I purchase {$200.00} worth of XXXX gift cards as part of a work-related task. Following the instructions provided, I purchased four XXXX gift cards totaling {$800.00} and sent pictures of the cards to the contact. Shortly after, I realized I had been scammed, as the contact was not my boss, and I was deceived into purchasing the gift cards. 

I immediately reported the incident to XXXX, who confirmed that the cards were redeemed. They requested pictures of the cards and receipts, which I provided. XXXX informed me that they were reviewing the case and would follow up in 3 business days. 

I also contacted Bank of America to dispute the charges on my credit card, explaining that I was a victim of fraud. However, when I spoke to their representatives, they stated that they could not assist me with reversing the charges due to the nature of the transaction. They told me that the dispute would not be processed because the purchase was authorized by me, even though I was scammed. 

As of now, I am still waiting for XXXX 's review to determine if any credit or resolution will be issued, but I have not received any assistance from Bank of America or XXXX regarding the fraudulent charges. 

Requested Resolution : I would like Bank of America and XXXX to reconsider my dispute request due to the fraudulent nature of the transaction and issue a chargeback for the unauthorized charges. I also request that they assist in investigating the fraud, considering I acted in good faith and immediately reported the scam.

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 2025-02-08 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:
This is not my account at all. This is a fraudulent account and belongs to someone else XXXX {$330000.00}

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 2025-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a 1099-C for an Involuntary Repossession a year and a half after filing my XXXX Federal Income Tax Return. The IRS stated that I owed for not reporting additional income. 

The 1099-C was reported as my income and thus the automobile loan was charged off. The item still shows on my credit reports, and this should not be the case any longer. I had to go on a payment plan with the IRS- to ultimately having my XXXX tax refund garnished to pay back {$3700.00}. 

Please assist here.

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 2025-02-08 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-02-08 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: NY

Complaint narrative:
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX-Account # : XXXX XXXX. XXXX-Account # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX-Account # : XXXX XXXX. XXXX-Account # XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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: CITIBANK, N.A.
State: TN

Complaint narrative:
Due to the XXXX data breach settlement I have access to credit monitoring. I found through the credit monitoring that on XX/XX/XXXXXXXX  a hard inquiry was made for a CITIBANK Dillard 's Credit Card was applied for, and on XX/XX/XXXXXXXX  I was alerted to identify theft when a hard inquiry for a CITIBANK Home Depot credit card was applied for. 

I notified Citibank of this fraud and both applications were closed. Citibank refused to contact XXXX to clear these hard inquires and said I had to make a dispute of fraud directly with XXXX. I made a XXXX dispute # XXXX that was immediately denied. I called XXXX on XX/XX/XXXX and they said that CITIBANK must call them to remove these hard inquiries. I called CITIBANK and they refused to communicate with 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 2025-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FirstCredit, Inc.
State: FL

Complaint narrative:
Complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office Subject : Formal Complaint Against FirstCredit Services for FDCPA and FCRA Violations To Whom It May Concern, I am filing a formal complaint against FirstCredit Services for improper debt collection practices and violations of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The company has failed to provide proper debt validation before reporting a derogatory collection account to the credit bureaus, causing unjust harm to my credit profile.

Details of the Complaint : 1. Lack of Proper Notification & Debt Validation On XX/XX/year>, XXXX XXXX claims to have sent me an email regarding this alleged debt. This was their only attempt to notify me before reporting the debt to the credit bureaus. 
Under FDCPA 15 U.S.C. 1692g, a debt collector must provide written notice of a debt within five days of initial communication. No such written notice was ever received.

2. Failure to Provide Debt Validation Upon Request On XX/XX/year>, I received a phone call from a representative of FirstCredit Services, during which I first became aware of this alleged debt. 
I immediately requested a validation letter, yet the company has failed to provide any documentation proving the validity of the debt or their authority to collect it. 
This is a clear violation of my rights under the FDCPA, which requires debt collectors to cease collection efforts until proper validation is provided.

3. Unlawful Reporting to Credit Bureaus Despite failing to provide debt validation, FirstCredit Services reported this account to the credit bureaus, resulting in a derogatory mark on my credit report.

Under the FCRA ( 15 U.S.C. 1681s-2 ( a ) ), information furnished to credit reporting agencies must be accurate and verifiable. Reporting a debt without first validating it is a violation of the FCRA and constitutes unfair and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$0.00}

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 2025-02-08 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: TX

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX BALANCED {$440.00} XXXX XXXX BALANCED {$0.00}

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 2025-02-08 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: NY

Complaint narrative:
I receive notice of the data breach through my credit monitoring alert I learn there was unauthorized inquiry on my credit report, I have attached the information please remove immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-08 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: NY

Complaint narrative:
I receive notice of the data breach through my credit monitoring alert I learn there was unauthorized inquiry on my credit report, I have attached the information please remove immediately

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 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 explanation
Consumer complaint received 2025-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing this letter to dispute the dismissed XXXX  XXXX bankruptcy that is on my credit report. Under 15U.S.C 1681e ( b ), the CRAs are required to ensure the maximum possible accuracy of the information reported on my credit file. This XXXX  XXXX bankruptcy, although filed, it was dismissed and I did not move forward with the case. Instead, I chose to pay my debt. However, the XXXX  XXXX bankruptcy continues to report to all three CRAs, which is and has harmed my creditworthiness. This is a demand to have the XXXX  XXXX bankruptcy deleted from my credit report. 
I request that the CFPB intervene to ensure that the XXXX  XXXX bankruptcy can be removed from my credit report by the CRAs. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-08 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:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of, a charge-off account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a charge-off account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a charge-off account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), and a closed account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( # XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief