vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-26 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: MO

Complaint narrative:
I have recently reviewed my credit report and discovered the presence of variations of my name that are incorrect and potentially damaging to my creditworthiness. The inaccurate variations include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is imperative that you rectify this situation promptly by removing any names on my credit report that deviate from my full and legal name, XXXX XXXX XXXX. Failure to do so not only constitutes a violation of the FCRA but also exposes Experian to potential legal action. 

The FCRA, under Section 1681s-2 ( a ) ( 1 ) ( A ), requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. The inclusion of incorrect variations of my name is a clear violation of this provision!

I am requesting the following actions : Immediate removal of all incorrect variations of my name from my credit report mentioned above. 
Confirmation, in writing, that my credit report now accurately reflects only my full and legal name, XXXX XXXX XXXX. 

A free copy of my updated credit report sent to my address once the corrections have been made. 

Please be advised that if these corrections are not made within 30 days from the date of this letter, I reserve the right to pursue legal action for violations of the FCRA. This may include seeking damages for any harm caused to my creditworthiness as a result of the inaccurate information. 

I expect your prompt attention to this matter and appreciate your cooperation in resolving this issue. You can contact by mail at XXXX XXXX XXXX XXXX XXXX MO XXXX to communicate any updates or to request further information. 

Sincerely, 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 2023-11-26 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: MA

Complaint narrative:
I have tried using 3 American Express virtual reward/gift cards adding up to ~ {$1500.00}. In most cases, the cards are declined at most retailers online ( e.g. XXXX, XXXX ). I've tried to have this resolved via American Express ' customer service, but have not reached any resolution. Unfortunately, I believe American Express is doing this purposefully and this may be a scam. I would highly recommend investigating AmEx 's gift card practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
Capital One Credit Card I applied for credit and was denied. 
I was told I could only obtain a secured credit card which I had to first deposit money onto. 
I was able to spend what I put on the card only. 
After ordering a replacement card somehow they are now saying it was credit instead of the secured card that I deposit money on. 

I asked for copies of transactions and I asked for a statement of the credit that was supposedly given to me. 
They provided the copy of transactions but not the initial credit agreement they say I was given. 
This was my first ever secure credit agreement. 
I was never given credit. I was originally denied. How could I obtain credit out of nowhere?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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: CA

Complaint narrative:
Hello, My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from all of my credit reports. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-26 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:
Hello, My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from all of my credit reports. 

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 2023-11-26 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: GA

Complaint narrative:
I am requesting a thorough investigation into these unauthorized transactions and kindly ask for your prompt assistance in resolving this matter. I understand that unauthorized access to my account is a serious matter, and I trust that your institution will take the necessary steps to rectify the situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 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: NC

Complaint narrative:
I am submitting this complaint to highlight a potential violation of the Fair Credit Reporting Act ( FCRA ) by Experian, specifically related to identity theft. Despite notifying the company of inaccuracies in my credit report on [ date ], they have not taken the required action to investigate and remove the disputed accounts within the stipulated four-day period, as mandated by the FCRA. 
On XXXX, I formally disputed inaccurate account information with Experian, providing supporting documentation and a clear explanation of the errors. 
Experian received my dispute on XXXX. According to the FCRA, they are obligated to investigate and correct inaccuracies within XXXX days of receiving the dispute. 
Despite the FCRA 's requirement for a prompt investigation, Experian has failed to take any action to correct the reported inaccuracies within the specified time frame. 
Identity Theft Concern : In addition to the FCRA violation, I believe that the inaccuracies reported in my credit report may be indicative of identity theft, which is addressed by specific provisions in the FCRA. 
Relevant FCRA Provision ( 15 U.S.C. 1681c-1 ) : " Section 605B of the FCRA requires that a consumer reporting agency block the reporting of information that is the result of identity theft within four business days of receiving an identity theft report from a consumer. '' I request that the Consumer Financial Protection Bureau conducts a thorough investigation into this matter and takes appropriate action to ensure Experian complies with the FCRA, including provisions related to identity theft. My desired resolution includes the prompt removal of the inaccuracies from my credit report and any necessary corrective actions. 

Thank you for your attention to this complaint. I trust that the Consumer Financial Protection Bureau will address this issue promptly. 

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 2023-11-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Convergent, these accounts has violated my rights.

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 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

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 2023-11-26 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: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXXXXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXXXXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.

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 2023-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
This is a complaint against Truist bank. I have a checking account with them and few weeks ago when i logged into my account i noticed some unauthorized transactions. I called Truist and i reported to them immediately. After the investigation they concluded with a full credit back to my account and i thought that they saved the day. Only to find out that now they have locked my account and i can not use it in any way. I do understand that this is for the security of my account and for anything similar not to happen again but they dont allow me to open new account or close this account unless i go to a branch. I would easily resolve this if i was in XXXX  right now. Im XXXX and i dont intend to take a 12 hour flight and bear the expenses just because they can not do this over the phone and email. They have no right to lock my funds indefinitely and ask me to go to the States to open new account there. I want only what belongs to me, my funds back and no further business with truist

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 2023-11-26 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I, the consumer and natural person, was denied credit by Truist Bank when I applied for a personal loan. 

I, the consumer and natural person, was denied credit by Truist Bank when I applied for a personal loan. 
Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. 
You are subject to criminal liability for violating 15 U.S. Code 1691 as I have proof that I was discriminated against by Truist Bank due to the response I received.

Truist Bank is in violation of 15 U.S Code 1642, U.S.C 1681a, U.S.C 1681m, and Title 12 ( CFR ) Part 1002, because I, the consumer, made an application in good faith, but credit was not issued.

In addition, Truist Bank is in violation of 15 U.S Code 1602, 15 U.S Code 1602 ( g ), 15 U.S Code 1602 ( j ), and 15 U.S Code 1643 ( e ) because I, the consumer, a natural person, am the creditor and I, the consumer, have an open-ended consumer plan, as well as an unauthorized use of the credit card which resulted in a loss. 
Furthermore, as stated above, my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Truist Bank. 
If Truist Bank fails to make any reasonable procedure to resolve this matter and compensate me for the use of my credit card I will indeed make Truist Bank criminally and civilly liable for all actual damages pursuant to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( 0 ). 

Futhermore I am writing to you today to request your immediate attention to my loan application and invoice payment. I submitted my loan application on XX/XX/2023, and attached all of the required documentation. I also provided you with an invoice for {$11000.00} that is due on XXXX XXXX as well as the loan for {$5000.00}. 

I have been awaiting hearing from a client advocate about the status of my application, but I have not received any updates. I have also tried to contact a client advocate on several occasions, but I have been unsuccessful. 

I am very concerned about the delay in processing my loan application and invoice payment. This delay has caused me significant financial hardship. I have been delayed in paying my bills without this loan, and I am accruing late fees on the invoice that I have sent to you. 

I am requesting that you please review my loan application and invoice payment immediately and take the necessary steps to approve my loan and issue payment. I would also appreciate it if you could contact me as soon as possible to provide me with an update on the status of my requests.

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 2023-11-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Been paid still hasn't removed

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 2023-11-27 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: MI

Complaint narrative:
The date of first delinquency for a closed XXXX account ending XXXX is incorrect as reported by Experian. Closed accounts stay on-record for up to XXXX ( XXXX ) years beyond account closure. The date of first delinquency furnished for this account in my Experian credit file causes the duration over which the account reports to be extended by XXXX ( XXXX ) years beyond what it should with Experian. Whereas XXXX alleges the account was charged off on or around XXXX XX/XX/XXXX, and whereas, the date of first delinquency would be within the one-hundred XXXX ( XXXX ) days prior to that action, Experian reports the account is scheduled to stay on-record until XX/XX/XXXX -- that is nearly XXXX ( XXXX ) years beyond which it should remain.The account was wrongfully charged off, and the methods XXXX used to try and rectify the situation resulted in XXXX reporting additional false/misleading/inaccurate information that has and will continue to harm me as a consumer. Not only are the acts and practices of XXXX unfair and unlawful, but they are additionally abusive because I now must endure hardship resulting from XXXX negligence well beyond what is legal under statute unless this account/tradeline is removed because all attempts to get XXXX and Experian to even correct the Date of First Delinquency have failed.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX XXXX {$4.00} DEPT OF ED XXXX XXXX XXXX {$3800.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5400.00} DEPT OF ED XXXX XXXX XXXXXXXX {$3900.00} DEPT OF ED XXXX XXXX XXXXXXXX {$9000.00} DEPT OF ED XXXX XXXX XXXXXXXX {$1100.00} DEPT OF ED XXXX XXXX XXXXXXXX {$5100.00} DEPT OF ED XXXX XXXX XXXX {$7400.00} XXXX XXXX XXXX XXXXXXXX {$220.00} XXXX XXXX XXXX XXXX XXXXXXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$4900.00} Has violated my rights.

15 usc 1681 602 a states i have the right to privacy.

15 usc 1681 section a section 2 : it also states a consumer reporting agency can not furnish a account without my instructions.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have 3 lines of credit with XXXX XXXX, a line of credit with {$550.00}, a line of credit with {$500.00}, and a line of credit with {$1000.00}. 

I am showing many inconsistencies across bureaus that the XXXX credit bureaus are reporting. I have highlighted them to show their violations. Another major issue is these accounts are showing Account not Disputed status. I have disputed these accounts on XX/XX/23, XX/XX/23, XX/XX/23 via mail to the bureaus.

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 2023-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CFPB- 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM 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 2023-11-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MS

Complaint narrative:
On XX/XX/2023 I sent a notice of dispute letter to Nelnet for inaccurate credit reporting on my credit report which is reporting missing information and inaccurate late payments that's reflect on almost several different accounts. I told Nelnet what the inaccuracies are and highlighted the section in which there were inaccuracies. They are responsible for thoroughly investigating the accounts since they are the data furnishers of information. On XX/XX/2023 the letter I wrote them was received. On XX/XX/2023 Nelnet wrote me a letter back which I received XX/XX/2023 of Nelnet stating that the account information was not going to be changed. I have provided this company with sufficient information, and they are assuming different. I'm not going to over prove myself to a company that is misreporting MY private account information. This is also my very first time disputing the inaccurate account information. It is a fact that this company did not do a thorough investigation into the matter which takes up to 30 days. Nelnet has violated my consumer rights per 15 USC 1681s-2 responsibilities of furnishers of information to consumer reporting agencies and 15 USC 1681o Civil liability for negligent noncompliance, and 15 USC 1681 Civil liability for willful noncompliance. This is unfair credit reporting practices and as a result Nelnet has shown themselves untrustworthy when reporting my personal account information to the Consumer Reporting Agencies. I want the inaccurate accounts that are still currently reported on my credit report deleted because it is affecting my credit worthiness, and the company has already proven that they are not going to correct the issue.

Company response to consumer: Closed with explanation