vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: OK

Complaint narrative:
I disputed charges with all 3 credit companies and submitted my proof of identity theft Report from the IRS to these companies i was advised my disputes would take 30 -45 days to be resolved and removed its been 6 months now and I'm receiving calls from these collections agencies stating that I owe them money for a credit card I closed out months prior I told them to send me proof of an existing contract that I had with them i asked were they apart the credit card company i made the contract with the said no we are a collections agencies trying to settle my debt with my old credit card company i ask were they on united state soil they said no so I advised them of my status of my citizenship and told them that this fraud for them to try and collect a debt from me I also advised them that the credit card company that sold or gave them my information without my consent is in breach of our contract for selling my in formation just committed fraud Companies involved FORTIVA, XXXX XXXX XXXX  all breach my personal information

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
American Express was offering a cash back promotion if you stayed in a XXXX property. They offered {$300.00} dollars cash back if you spent more than {$1200.00} at XXXX and had enrolled in the cash back offer. 

I enrolled in the cash back offer prior to staying at the hotel on XX/XX/year>, spending {$1200.00}. The cash back did not apply to the account and I contacted American Express to inquire why they were not honoring my cash back offer. First they advised that it was an error since I stayed in a XXXX and spent the required amount. 

However, after 10 days of research they advised that the XXXX code used by XXXX did not meet the requirements for the transaction. This is in-spite of the transaction listed as " XXXXXXXX XXXX XXXX XXXX XXXX XXXX ''. 

I believe any reasonable person would assume based on the advertisement that they would be entitled to the commitment made by AMEX. Additionally, any reasonable person would not have know to research what the XXXX code of the specific XXXX was prior to staying there. Furthermore, I believe putting these things together amounts to offering to provide a service that is not in fact available. 

Should this action be permitted by AMEX it is just a stone 's throw away from elder abuse, or outright false advertising. Common persons outside of banking do not know what a XXXX code is. AMEX should honor their commitment and immediately separate any agreement they have with XXXX if they do not wish to continue the cash back offer. 

Separately, when initiating this complaint with AMEX they said they don't take complaints over the phone and I must email them in. This is a direct violation of the Federal Trade Commission Act which requires banks to institute procedures for handling consumer complaints related to unfair or deceptive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 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: 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 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 2024-11-24 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: MN

Complaint narrative:
I recently pulled my credit report & found some inaccurate accounts that were reporting. I have made a list of all of the inaccurate accounts that I would like removed. I am in the process of getting my first home for my family. Please review all of the my documents and remove the accounts that are list.

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 2024-11-24 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: Experian Information Solutions Inc.
State: OK

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This company has wrongfully damaged my credit reputation and character, by publishing inaccurate, defamatory, and non-public private financial information on and or about me, causing me financial and emotional damages, and it is repeated on a monthly basis.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-23 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: IL

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agencies, 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 personal credit card account opened at XXXXXXXX XXXX XXXX XXXX XXXX XXXX  under the account number XXXX, personal credit card account opened at XXXX opened on XX/XX/XXXX under the account number XXXX, Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, Personal Credit card account opened at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, personal loan account opened at XXXX XXXX  XXXX opened XXXX XX/XX/XXXX under the account number XXXX, Home equity loan account opened at XXXXXXXX XXXX opened on XX/XX/XXXX under the account number XXXX, Educational account opened at XXXX XXXX XXXX opened on XX/XX/XXXX opened under account number XXXX. These hard inquiries XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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
Consumer complaint received 2024-11-24 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: NY

Complaint narrative:
XXXX- account # XXXX Experian Payment history guide states 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX But in their same report of the payment history chart XX/XX/XXXX there is no Data listed for this period, XX/XX/XXXX the report states that I was current. Another discrepancy is XX/XX/XXXX payment history guide stated that I was 60 days late but in the same report of the payment history it only shows I was 30 days late. 
In addition the payment history guide stated that on XX/XX/XXXX I was 90 days late when in the same report of the payment history it shows I was only 60 days late. I have the rights as a consumer to have completeness and accurate information reporting on my consumer report. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/XXXXXXXX  my debt card was stolen from my home while i was XXXX  my family filed a dispute for the charges which were at least {$27000.00}. The bank reimbursed me {$8000.00} in XXXX or XXXX of XXXX  and later credited me {$12000.00}. The difference was not credited to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: IN

Complaint narrative:
The Affirm sent me an advertisement saying {$30.00} off your {$100.00} dollar plus purchase XX/XX/XXXX at XXXXXXXX XXXX and so I activated it when I made {$110.00} purchase yet they refused for over a month to credit me as stated in their email. I filed a dispute about it, but they still haven't resolved it. At times they tried to say this dispute is solved and they just don't credit me. One Affirm representative told me that I would get the credit by the first week of XXXXXXXX, so I didn't plan on making a payment XX/XX/XXXX because I'd either get the credit or it was still in a dispute that didn't allow me to make any payments. 
Now though they have not settled the dispute they have and doesn't allow you during a dispute to make payments, they have rejected getting any further credit from them as though I'm late on my XX/XX/XXXX payment. The {$30.00} credit would have covered more than one payment. So, I've spent a lot of time on the phone getting nowhere with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. No therefore, any such debt in fact, therefore exist. ( please remove this account before I seek litigation for defamation of character. ) XXXX XXXX balance {$3100.00}, XXXX XXXX XXXX balance {$1900.00}, XXXX XXXX balance {$1100.00}, XXXX XXXX balance {$1000.00}, XXXX XXXX XXXX balance {$1900.00}, XXXX XXXX XXXX balance {$840.00}, XXXX XXXX XXXXXXXX balance {$1200.00}XXXX XXXX XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX balance {$1200.00}.

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 2024-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. I have highlighted all the discrepancies. Please remove thin inaccurate information as you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My information was involved in a data breach. Shortly after, someone tried purchasing a vehicle using my identity. 

I froze all 3 of my credit reports to prevent further attempts. My fianc and I are in the process of purchasing a home, so I unlocked XXXX, and XXXX over the phone and it took all but 5 minutes. 

My Experian account was hacked, so I can not unfreeze my Experian file which our lender needs. Experian requested supporting documentation to prove my identity which we faxed to them. They claim they never received it. 
When we call to speak to them on the phone, we are transferred department to department, until they end up hanging up on us. This is getting extremely frustrating as this is going to cost us the sale of our first home. 

Regarding a resolution, we need my credit file unfrozen immediately, so we can proceed in purchasing this home.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian will not allow access to my account or provide any way for me to lift my credit freeze or contact a human. They force you to purchase a product of theirs before you can access anything in your account ( and I'm not even sure if you can after, as I've never purchased it ). How is this legal? Tried the app, which requires you to enter a code sent to your phone in order to log in... but they never send the code ( tried multiple times over multiple days ). 

Please fix this massive issue. Consumers should be able to access their accounts and manage freezes.

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 2024-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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

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 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i am attaching 3 credit reports side by side. delete all data that does not match between 3 agencies. this time no expection. i will be suing all for each inaccuries and attaching police report from XXXX. I have been fighting from XXXX now it is 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 2024-11-24 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: Experian Information Solutions Inc.
State: MS

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation
Consumer complaint received 2024-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 explanation