vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-21 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: TX

Complaint narrative:
In late XX/XX/year>, I saw an advertisement for the AMEX XXXX credit card with an attractive XXXX points promotional offer ( in picture XXXX attached ). I applied for this card, and it was approved. In the process, I did not receive any notification on my eligibility issues. ( otherwise I would definitely not apply for the card ) After receiving the card, I was told that I needed to spend at least {$8000.00} with the card during the first 6 months to receive the XXXX points. So I used the card to pay for most of my family 's expenses, and we spent over {$10000.00} during the first 4 months. 

Because I did not receive the bonus offer I was expecting, I contacted American Experess customer service. I was first told that I would receive the points in a few days. I waited, and then asked again. The answer was similar. After waiting longer, I reached out to the company again. This time, all of a sudden, I was told that I was not eligible for the promotional offer at all! Also, the company claimed that I was notified in the card application process. I was shocked, and I asked for evidence for this eligibilty notification. My request for information was refused. I believe that the company misled me to applying for this card and to spending significant amount of money with it, without giving any of the promised offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is : XXXX XXXX. 
My Social XXXX Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB Consumer Financial Protection Bureau Re : XXXX XXXX XXXX Continued from Case Number : XXXX Account Name : XXXX XXXX ACCEPTAN Account Number : XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( ACA ) continues to report inaccurate information and does so deeper and deeper, without doing adequate research In the statement that you yourself sent me ( ACA ) it contains obvious errors that you are unable to correct, Why do you not report all XXXX payments in the payment history that I have reported to the XXXX? Why do you only report from XX/XX/XXXX if the account was opened in XX/XX/XXXX? The FCRA establishes that every lender that reports information to the CRAs must be accurate and COMPLETE, my question is why do you report inconvenient information? 

Why when you send me the contract you do not send me the scheduled amortization? 
Why do you have a balance higher than the contract that I ORIGINALLY signed? 

Why is the date XX/XX/XXXX repeated in the statement twenty-three times? It is absurd, they continue to report INACCURATE information despite being notified by the client ( XXXX ) ON REPEATED OCCASIONS Why is there a balance of XXXX when in payment # XXXX there should be XXXX, according to my original contract? Why are you trying to charge me more? I have sent the contract with the scheduled official payments and its balance does not match what it should have. Fix this or delete the entire account Do not send me more forms or silly letters, explain why you are charging me more in the balance, if the balance is not updated to what corresponds according to my original contract, I will have no choice but to escalate this to the courts for theft and not take action on the disputes that have been sent to XXXX XXXX. I HAVE ENOUGH EVIDENCE TO SUE THEM I sent the scheduled amortization and here my original contract is ignored with the payment numbers and the exact amounts on each occasion. I demand that the balance be updated or the entire account be deleted. 

Sincerely XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-21 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: FL

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX My Date of birthday is : XXXX XXXX. 
My Social XXXX Number 's is : XXXX Phone Number is : ( XXXX ) XXXX Dear CFPB Consumer Financial Protection Bureau Re : XXXX XXXX XXXX Continued from Case Number : XXXX Account Name : XXXX XXXX ACCEPTAN Account Number : XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( ACA ) continues to report inaccurate information and does so deeper and deeper, without doing adequate research In the statement that you yourself sent me ( ACA ) it contains obvious errors that you are unable to correct, Why do you not report all XXXX payments in the payment history that I have reported to the XXXX? Why do you only report from XX/XX/XXXX if the account was opened in XX/XX/XXXX? The FCRA establishes that every lender that reports information to the CRAs must be accurate and COMPLETE, my question is why do you report inconvenient information? 

Why when you send me the contract you do not send me the scheduled amortization? 
Why do you have a balance higher than the contract that I ORIGINALLY signed? 

Why is the date XX/XX/XXXX repeated in the statement twenty-three times? It is absurd, they continue to report INACCURATE information despite being notified by the client ( XXXX ) ON REPEATED OCCASIONS Why is there a balance of XXXX when in payment # XXXX there should be XXXX, according to my original contract? Why are you trying to charge me more? I have sent the contract with the scheduled official payments and its balance does not match what it should have. Fix this or delete the entire account Do not send me more forms or silly letters, explain why you are charging me more in the balance, if the balance is not updated to what corresponds according to my original contract, I will have no choice but to escalate this to the courts for theft and not take action on the disputes that have been sent to XXXX XXXX. I HAVE ENOUGH EVIDENCE TO SUE THEM I sent the scheduled amortization and here my original contract is ignored with the payment numbers and the exact amounts on each occasion. I demand that the balance be updated or the entire account be deleted. 

Sincerely XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
According to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, I am requesting detailed validation of the debt in question. Account Information : Creditor Name : PORTFOLIO RECOV ASSOC Account Number : XXXX Amount : {$2100.00} I am exercising my rights under the FDCPA to request the following information : XXXX. XXXX or proof of the alleged debt, including the original creditor 's name and address. 
XXXX. Documentation evidencing that the collection agency has legal authority to collect this debt. 
XXXX. A complete accounting of the alleged debt, including all charges, fees, and interest applied. I also request that you provide me with a copy of the agreement that authorizes the creditor to assign or sell the debt to the collection agency. 
Furthermore, please verify that the statute of limitations on this debt has not expired. I understand that, under 15 U.S.C. 1692g, you need to provide me with the requested information within 30 days of receiving this dispute. Failure to do so will result in the assumption that the debt is invalid, and you must promptly remove it from my credit report. Please send all correspondence regarding this matter to the address listed above. I appreciate your prompt attention to this dispute and compliance with the FDCPA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX. 

Please delete the following accounts : XXXX. XXXX XXXX SERVICES - Account Number : XXXX Balance : {$2500.00} XXXX. XXXX XXXX - Account Number : XXXX Balance : {$5400.00} XXXX. XXXX XXXX XXXX XXXX - Account XXXX : XXXX XXXX : {$250.00}

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 2024-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Eagle Recovery Associates, Inc.
State: IL

Complaint narrative:
XX/XX/year> I called XXXX XXXX XXXX on a medical debt ( XXXX ). My doctor 's office ( XXXX XXXX XXXX XXXX ) uses this company to collect. 

While making a payment, the person repeated all details of my credit card number/date/etc. back to me verbally on a recorded call with no other apparent security in place. This is not compliant with PCI rules and regulations. I wanted to make you aware.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: LA

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.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-21 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I receive billing statements in the mail from American Express, of which not having an account they were thrown out. 
American Express called all phone numbers associated with me, so I called into and discussed the questionable account. 
They explained that a company named XXXX XXXX XXXX XXXX was the company that opened the XXXX XXXX XXXX and charged a large sum of money. Owners of this company have the same last name as myself. 
This company is located in XXXX, I live in XXXX  and am not associated with this company. 
No hard inquiries were ever pulled on my credit of which is normal practice for a credit card company to do. 
I never applied/or do I plan on ever using American Express XXXX 

I want this American Express XXXX XXXX removed from my credit report and all associated information. 
After doing a search on American Express it appears that their company has had numerous hacks and they are in the stage of recouping monies for fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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 am writing to express my serious concern regarding the security of my personal information, as I have noticed that inaccurate information and items continues to appear on my credit report that is not associated with me, and I am deeply troubled by the potential risk it poses for unauthorized access.

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 2024-11-21 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: AL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I XXXX have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-21 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: AL

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I XXXX have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the XXXX, Experian, and XXXX data breach, which adds to my worries about the safety 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 explanation
Consumer complaint received 2024-11-21 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:
I am writing to formally file a complaint regarding unauthorized hard inquiries appearing on my credit report, in violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 

The following hard inquires appear on my credit report without my explicit consent or authorization. 

XXXX. Bank XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( via dealer ) Under 15 U.S.C. 1602 ( p ), permissible purposes for accessing a consumer 's credit report must be clearly established and authorized by the consumer. These inquiries were made without my explicit permission and, as such, constitute unauthorized access to my credit information.

Additionally, under 15 U.S.C. 1681c-2, I am requesting the immediate removal of these inquiries from my credit report. This provision grants consumers the right to have unauthorized or fraudulent inquiries removed to ensure the accuracy and integrity of their credit information. 

The presence of these unauthorized hard inquiries is negatively impacting my XXXX XXXX and causing unnecessary harm to my financial reputation. I have already attempted to resolve this matter with the reporting entities but have not received an adequate resolution. 

I request that the CFPB take the following actions : XXXX, Investigate the inclusion of these inquiries on my credit report to determine whether they were properly authorized. 

XXXX. Ensure the immediate removal of the unauthorized hard inquiries from my credit report. 

XXXX. Hold the responsible parties accountable for violating my rights under FCRA. 

I appreciate your prompt attention to this matter and ask that you keep me informed of the progress of your investigation.

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

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. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "

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 2024-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

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