vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-06 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: NC

Complaint narrative:
I received 6 {$100.00} Amex Gift Cards in the mail for a total of {$600.00}. Attached is a copy of the email confirmation and shipping information. They arrived in the mail XX/XX/2024. 

I attempted to use these cards at multiple online and in person retailers including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX always for less than {$100.00} in purchases but the transaction has been declined every single time for every single card. I have checked the balance on each card via the website ( AmexGiftCard.comXXXX ) and each balance is still {$100.00}. I can not find a way to spend my money on these cards. 
Upon looking online for advice, many people have reported having this problem in the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
I have disputed these accounts multiple times with all 3 credit bureaus yet they come back verified as accurate. How are they accurate if all 3 are reporting different dates last active, payment history, account status, and more? XXXX XXXX reports an account as last active on XX/XX/year> but has the date opened on XX/XX/year>. How? I do not have an account with these companies nor do I have any agreements written or verbal with them. No one can validate the debt or provide me with contracts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 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 non-monetary relief
Consumer complaint received 2024-06-06 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:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


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 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 2024-06-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year> I paid my credit card after using it for the first time after paying it from my own bank account under my name they restricted my account and then refused to unrestrict it after payment cleared saying they need to verify my account they asked me for id social and proof of address and bank statements when I made the account I said I did not have a bank account I just got my bank account and they wanted three statements that I dont have so they told me they cant unrestrict the account unless I provide bank statements none of that is stated in my credit card agreement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
"

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
See letter 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 2024-06-06 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: MD

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-06 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: TX

Complaint narrative:
RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting TheCongressmakes the following findings : ( 4 ) There is a need to insure thatconsumerreporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for theconsumers right to privacy. 
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAnypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In generalAnypersonwho is negligent in failing to comply with any requirement imposed under this sub chapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) any actual damages sustained by theconsumeras a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and this bankruptcy must be deleted from my consumer reportor i will seek monetary damages in small claims court in my city and state. Also i already sent this letter to theConsumer Financial Protection Bureau, Attorney Generals Office, Better Business Bureau, andFederal Trade Commission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX AT XXXX ) XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-06 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: FL

Complaint narrative:
" These inquiries was not authorized by me and I did not communicate with this under the specified date "

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 2024-06-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: AMERICAN INTERNET MORTGAGE
State: FL

Complaint narrative:
I seek your assistance with ongoing discrepancies in my escrow account managed by Aimloan. Over the past several years, I have conducted detailed reconciliations of my escrow account, comparing the amounts I paid against the banks reported tax, insurance, and PMI disbursements. These reconciliations have consistently revealed significant mismatches that the bank has not addressed satisfactorily despite my repeated inquiries and submissions of detailed evidence. 

Since XXXX, I have noticed irregularities in my escrow account statements provided by Aimloan. My reconciliations indicate an overpayment totaling approximately {$20000.00} over this period. Specifically, the funds I paid into the escrow and the subsequent distributions for property taxes and insurance premiums do not align, leading to substantial financial discrepancies that remain unjustified. 

- *Primary Company* : Aimloan.com - *Department Contacted* : Mortgage Services Department - *Individuals Involved* XXXX XXXX XXXX, XXXX XXXX American Internet Mortgage XXXX XXXX, XXXX - XXXX XXXX, XXXX  XXXX American Internet Mortgage XXXX XXXX, XXXX XXXX XXXX Annual reconciliations showing discrepancies each year. 
Discrepancy Amount : Approximately {$20000.00} in overpayments. 
Communications : Multiple document submissions and correspondence from XXXX to XXXX, seeking clarification and adjustments. 

Despite providing detailed breakdowns and seeking explanations, the responses from Aimloan have not resolved the discrepancies. The explanations provided do not account for the differences between the amounts I have paid and how those amounts have been applied by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Legal Group, P.C.
State: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX started taking XXXX out of my account for payment on my credit cards. They told me when I signed up with rhwm they would take care and pay off my debt. They also told me not to pay those credit cards and I would not get emails or calls about them if I did I was to tell them XXXX XXXX XXXX was taking care of it. It would be paid off in 3 years. My credit would also take a hot but after a few months would start to improve. In XX/XX/XXXX I called to ask what they have done and how much was in escrow. They told me they have written letters to the creditors for XXXX XXXX XXXX a letter. Aand I had XXXX in escrow. That day I sent an email to th terminatingtheor services and I wanted my money back. On XX/XX/XXXX I called them as I had not heard from them and they told me they don't do things like that my email so I told them to terminate and send my money. She told me it had to go to a review board and would take XXXX to 5 day. So on XX/XX/XXXX I called again as I heard nothing f from them and was told my request was denied for breach of contract. I would like my money that they took and did nothing back

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 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: GA

Complaint narrative:
according to the irs and unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I'm requesting a 1099-c ( cancellation of debt ) from the following charged off accounts listed below. 
XXXX XXXX XXXX. After checking my most recent report, the updated information stated the account was purchased by XXXX XXXX XXXX XXXX this account can not be reported as a charge off on my credit report if the account was sold to another lender. Please send the 1099-c form also i informed you guys multiple times that this was due identity theft and you failed to provide me of the names and individuals who and when and how this information was verified. Which makes me think you failed to investigate this properly I'm not only demanding the 1099-c form, but I am demanding you guys do a reinvestigation. And I have attached a copy of the inaccurate discrepancies of this account. The date open is incorrect. The timing of the account is closed. ALSO NOT to mention you guys sent me a statement saying this account was deleted and then the next day it was a violation stated below reinserted Section 611 ( a ) ( 5 ) ( B ) ( ii ) ) : If the disputed information is reinserted, the CRA must notify the consumer of the reinsertion in writing within five business days. The notification must include the name, address, and telephone number of the furnisher of the information. You guys didn't send me a letter nor did you guys notify me around XX/XX/scrub>XXXX XXXX XXXX  i got a notification form TransUnion which they have now made the file unavailable to me but i still have the screenshot where they told me the account was deleted and not only that I have the phone recording where they notified me it was deleted but reinstated the next

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 2024-06-06 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

I told/informed XXXX, Transunion, and XXXX to XXXX and or remove these accounts : XXXX XXXX XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX  XXXX XXXX : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX : Account # XXXX ; Opening Date : XXXX XXXX, XXXX XXXX ) XXXX XXXX XXXX  : Account # XXXX ; Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX  Opening Date : XXXX, XXXX, XXXX XXXX ) AAFCU : Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX : Opening Date : XXXX, XXXX, XXXX XXXX ) XXXX XXXX XXXX  : XXXX, XXXX, XXXX In addition to, the Credit Agencies stated everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the 4 business days allowed with the law & in accordance to Consumer Law ( FCRA ) 15 U.S.C 605B & 15 U.S.C 1681 ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Bureau. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile.

The selected laws are as follows : 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 ], 15 U.S.C 1692c, 15 U.S.C 1601, 15 U.S.C 605B, 15 U.S.C 1681a-2, & 15 U.S.C 1681n.

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