vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
We were under the impression from several Amex representatives that if we cancelled our XXXX card, we would be refunded the annual fee at a prorated account. We were told this several times over calls that extend over the past few years. 

When we eventually cancelled the card recently, we did not see the refund on our statement. So we called to follow up and inquire about this. After two calls and not hearing back, which felt like extremely poor customer service in and of itself, we called a third time. 

A representative from the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, said he would look into the matter, but that his understanding was that the only time card holders can be reimbursed for any portion of the fee is within the XXXX month after membership renewal, which we had missed by a few weeks. After listening to recordings of XXXX of our past calls, he determined that we were offered other Amex products as an alternative to the XXXX card, but did not discuss a prorated fee. He therefore concluded we should not be refunded any amount of the fee. 

We do not recall which calls over the past few years he should have listened to, so this is a complication in the investigation. However, XXXX did acknowledge that on XXXX of the last XXXX calls ( albeit after the card cancellation ), the representative with whom we spoke also believed that we should have been refunded the prorated amount and said she would look into that. This reflects confusion amongst Amex 's own employees, which obviously leads to understandable confusion amongst customers. This lack of clarity was reflected across our interactions with Amex employees over the past few years and can lead to misleading information upon which Amex customers like us end up making decisions in favor of Amex that deteriorate our own financial condition. 

The annual fee is {$690.00}, which is a material amount for many Americans, and we had cancelled the card to save money because many of the card 's benefits require expenditures to take advantage of them which are out of our price range. 

Overall, we believe Amex has intentionally confusing terms around the cancellation of this card and evaded returning our earlier calls on this matter. If the company 's own representatives don't understand these terms, how are customers supposed to?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by FST PROGRESS. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The payment was reported 15 days late, even though I made the payment on time, and this is documented in my bank statements.

There were clerical errors where my account was inaccurately flagged as overdue, but I provided evidence that no late payment was made, as shown in the attached payment confirmations.

The inconsistency of payment dates across credit bureaus further demonstrates the inaccuracy and improper reporting of this account status.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently discovered that I am a victim of identity theft. XXXX  XXXX is reporting an account to my credit report that is a result of identity theft. The information being reported is destroying my credit reputation and causing me harm. I am seeking a remedy for that the account information to be permanently deleted from my credit report and file. I have already filed an identity theft report regarding the matter. All supporting documentation is attached to this complaint.

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 2024-09-26 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: NJ

Complaint narrative:
I recently discovered that I am a victim of identity theft. XXXX  XXXX is reporting an account to my credit report that is a result of identity theft. The information being reported is destroying my credit reputation and causing me harm. I am seeking a remedy for that the account information to be permanently deleted from my credit report and file. I have already filed an identity theft report regarding the matter. All supporting documentation is attached to this complaint.

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 2024-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collections Acquisition Company, Inc.
State: LA

Complaint narrative:
In XXXX of XXXX I noticed my credit scored dropped due to collection account for {$220.00} ( creditor XXXX  ). I disputed it and it was removed immediately. In XX/XX/XXXX I was trying to buy a car and was denied due to my credit score again dropping and noticed XX/XX/XXXX my XXXX and XXXX score dropped and it was a collection account for {$220.00} XXXX  again. I disputed it with both bureau 's. I contacted XXXX inquiring about their services. They explained its for horse betting. When I gave her my name she was not able to locate me in their system with an account. She searched my maiden name and found and account that was flag fraudulent. She stated that the account was opened last year in XX/XX/XXXX. The way you receive services is ; you create account which was all of my maiden information with an address I lived at in XXXX and they deposit a {$200.00} payment to open the account and can immediately place a bet. The deposit returned and they turn it over to Payliance/Cybrcollect to process payment which again returned. Payliance and Cybrcollect are the ones that placed the account in collections for payment processing. I asked her to provide more information she claimed she was unable to due to it being locked and their fraud investigators are researching it. She said it may take a while to get a call from them because they are swamped with these kind of accounts. 

My identity was compromised in XXXX with a someone trying to receive an SBA loan as a XXXX XXXX XXXX XXXX with the same information. Luckily I caught it in the stage of review. I filed a claim with XXXX XXXX XXXX  Loan Officer in the fraud department at SBA, as well as filing a claim with FTC. I was NEVER contacted by any of the above mentioned companies before turning it over to collections. I could have easily been skipped traced to locate a current phone number. This is not my account or debt. I have never signed up for any account or used services at XXXX. I suffered a great deal due to negligence on behalf of XXXX and the credit bureau 's. Why would you allow a collections account be placed with 15 year old information. That should raise red flags immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I spoke with the XXXX, which said it did not hire or authorize LVNV/ResurgenXXXX XXXX XXXX XXXX XXXX XXXX on its behalf. The XXXX also said there was no purchase agreement between them. 

I am not liable for the debt for {$16000.00} ( reference # XXXX ), {$16000.00} ( reference # XXXX ) and {$7900.00} ( reference number XXXX I DO NOT HAVE A CONTRACT WITH LVNV/Resurgent/XX/XX/XXXXl ; THEY XXXX NOT PROVIDE ME WITH THE ORIGINAL CONTRACT OR PURCHASE AGREEMENT AS I REQUESTED WITH MY WET SIGNATURE AND ID VERIFICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
These are not my accounts. I have no knowledge of these accounts. 15 USC 1681b. Please DELETE the following accounts from my credit profile. 

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 2024-09-26 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: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MO

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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone may have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please assist me in regards to some negative items that are showing on my report, i already provided the XXXX documents the last time you asked me to provide together with the dispute letters and the specific accounts that I wanted to be removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: NE

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-26 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: NY

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Subject : Dispute of Inaccurate Payment History XXXX XXXX XXXX This is my third attempt to have this account corrected, I am writing to formally dispute the inaccurate information reported regarding my account with XXXX XXXX XXXX XXXX  Account Number : XXXX ). This is my third attempt to resolve this issue, and the continued presence of a XXXX late payment has caused me significant stress and adversely affected my creditworthiness. 

Identified Discrepancies : Inconsistent Status Reporting : The account is listed as Paid, Closed, yet it shows a XXXX late payment in XX/XX/year>. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), all information reported must be accurate. The conflicting statuses misrepresent my payment history and do not reflect my responsible borrowing behavior.

Misleading Payment History : If the account is marked as paid and closed, it should not reflect any late payments. The FCRA ( 15 U.S.C. 1681c ( a ) ) mandates that creditors report accurate information, and this inconsistency can mislead potential creditors about my financial responsibility.

Failure to Update After Closure : The last update in August 2020 indicates a paid and closed status, yet the late payment still appears on my report. Under FCRA ( 15 U.S.C. 1681s-2 ), creditors must update accounts promptly to accurately reflect their current status. The lack of timely updates contributes to the ongoing inaccuracies.

Duplicate Negative Reporting : Reporting both a paid status and a past due status creates the potential for duplicate negative information. The FCRA ( 15 U.S.C. 1681e ) requires that all reporting must be clear and not misleading, and having these conflicting statuses harms my credit score.

Request for Resolution : Given the discrepancies outlined, I request the following : Immediate removal of the 30-day late payment from my credit report. If this information can not be verified as accurate, it must be deleted in accordance with FCRA ( 15 U.S.C. 1681i ( a ) ).

Update the payment status of this account to Paid, Never Late to accurately reflect my payment history.

I urge you to conduct a thorough investigation of this account and provide me with the results within 30 days, as required by law. The ongoing presence of this late payment is causing significant distress and financial strain. 

Thank you for your prompt attention to this matter. I look forward to your response and the resolution of my dispute.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
2 months on XX/XX/XXXX I had these same issues of fraud on my credit report. I sent letters and no response. I called about this and I cant even get a home Im in PROCESS with because of the fraud on my credit and all 3 Bureaus are impacting my family Due to the XXXX XXXX breach, XXXX XXXX breach and XXXX  XXXX Data breaches been going on Im exposed and need Fair treatment.!!! Attached are the proof

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have noticed several items on my credit report that I do not recognize. It appears that someone XXXX have stolen my identity, as I did not authorize these accounts. I have previously raised this issue, and I am now requesting that these accounts be removed from my report immediately. The presence of these unauthorized accounts is causing me significant distress. They do not accurately reflect my credit history or financial management, and dealing with this issue has been challenging. If this matter is not resolved, I am prepared to pursue legal action to protect my rights and seek a resolution. These erroneous items on my credit report are significantly impacting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I hope we can resolve this issue promptly.

Company response to consumer: Closed with explanation