vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
AMERICAN EXPRESS Consumer Card re : NOT RECEIVING REWARDS DOLLARS I have called three times in the past three months to have my rewards amounts fixed. For three months they have not corrected the situation and even lied to me today, XX/XX/XXXX, stating I received one of the rewards, and after I proved them wrong they reneged and stated it was a technical issue that they are aware of and it hasn't been repaired yet! 

The first item was for an XX/XX/XXXX online purchase to XXXX XXXX XXXX XXXX  for {$26.00} spent on my XX/XX/XXXX - XX/XX/XXXX bill. I SHOULD HAVE received a XXXX XXXX  cash back in the amount of XXXX cents for this XXXX purchase. Not only did I NOT receive the XXXX XXXX I didn't even receive the bare minimum of XXXX XXXX ; it doesn't show up AT ALL on the rewards summary page! I have called three times since XX/XX/XXXX, the most recent being today, XX/XX/XXXX, and they have still not given me XXXX XXXX in rewards for this purchase. 

The following billing cycle, XX/XX/XXXX - XX/XX/XXXX the situation became worse! In FOUR cases AMEX only gave me a XXXX XXXX  reward instead of thXXXX XXXX XXXX reward : XX/XX/XXXX XXXX {$71.00} spent ( rec 'd only XXXX XXXX instead oXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX spent ( rec 'd only XXXX XXXX instead of XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXpent ( rec 'd onlXXXX XXXX XXXX instead of XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX spent ( rec 'd only XXXX XXXX instead of XXXX XXXX XXXX  Each time I call AMEX and reach someone in America ( typically Nevada ), they transfer my call to the XXXX where I am promised that everything will be corrected and it never gets corrected. Today I asked XXXX in the XXXX to be transferred to a supervisor state-side. I was transferred to XXXX in Nevada who stated that they are working on the issue, she has created another Open Ticket, says that AMEX will uphold the cardholder agreement and I will get everything that is coming to me yet she could not put that in writing, could not give me a Confirmation number for my phone call, nor could not give me the Open Ticket number but said everything has been well-documented. When I asked her to review my last phone calls she stated she could see when I called but could not tell me what those calls were about, therefore they are lying to the public when they state they keep good records. This has gone on for three months and who knows how many others haven't even noticed that they did not receive the correct amount of Rewards Dollars!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CO

Complaint narrative:
I had a Cash App account, and they closed it because there was fraud going on with it that I did not do. I asked them why they did that, and they did not answer. I feel that was wrong, and there was no reason for them to close my account. You closed my account because there were things I reported that weren't right. I keep asking why, but you gave me no reason whatsoever. Every time I send them a message they tell me they reviewing it. Still to this nothing from them. I feel that was very unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: GA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-29 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:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-01-29 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed serval inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: LA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
At the age of XXXX, I became a victim of identity theft when a family friend fraudulently used my personal information to purchase cars, take out personal loans, and open a credit card in my name. This betrayal went unnoticed until I began receiving unfamiliar bills and debt collection notices. Upon investigating, my family and I discovered that this individual had used my identity to accumulate debt and then vanished when confronted. All attempts to contact him were unsuccessful, leaving me to deal with the financial and legal repercussions of his actions. In response, I promptly filed a police report and took legal action to reclaim my identity and dispute the fraudulent accounts. The experience was both distressing and financially burdensome, but I remained committed to restoring my credit and seeking justice against the perpetrator.

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 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulrenable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requierments under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-01-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: KEYCORP
State: NY

Complaint narrative:
On the date of XX/XX/year> at XXXX XXXX, my XXXX, XXXX XXXX XXXX went to our local FDIC XXXX bank, KEYBANK XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX She requested access to our {$26000.00} in savings and was told they could not furnish the request. She was then interrogated why she would need it and then ultimately told they did not have the cash to give to her. They stated she at most could have {$5000.00} and the rest would require order over a weeks time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-29 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: AZ

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 


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 XXXXXX/XX/year>

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 2025-01-29 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: AZ

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that is not accurate these items are not being reported 100 % correct. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are a result of Identity theft and Trafficking! Please take action and remove them from my credit report asap! 


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 XXXXXX/XX/2023

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 2025-01-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Received a letter in the mail XX/XX/year> that a credit card was denied due to 'Unable to verify information ' through the credit bureau they used. I have requested what information was not able to be verified with no response. 

This credit check is showing on my credit history as a hard hit. The credit application was processed on XX/XX/year>

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 2025-01-29 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:
Multiple attempts to resolve the fraudulent and inaccurate information on my consumer report have been unsuccessful, leaving me in an increasingly distressing situation. As a victim of identity theft, I never authorized these entries to be associated with my name, yet their continued presence has caused profound disruption to my life, generating significant stress and XXXX while undermining my financial stability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I am filing this complaint against LVNV Funding due to their failure to validate a debt they claim to own and their use of fraudulent methods to pursue collection. 
account numbers : XXXX, XXXX, XXXX, XXXX Failure to Validate Debt : LVNV Funding claims that I owe a debt, but they have failed to provide proper validation despite my repeated requests.

They have not provided a chain of assignment or proof that they legally own the debt or have the right to collect it.

Instead of validating the debt, they sent what they claimed to be a " court judgment. '' Fraudulent Court Judgment : The judgment they sent me was never properly served, and I was not notified of any lawsuit or court proceedings. 
This lack of notification violates my right to due process and is fraudulent. 
If such a judgment exists, it was obtained without my knowledge and must be overturned. 

Impact on My Credit and Financial Health : LVNV Funding has damaged my credit by reporting inaccurate and unverifiable information to the credit bureaus.

Their actions have caused significant stress, and their refusal to provide proper validation has made it difficult for me to address this issue.

Resolution Requested : I request that LVNV Funding immediately remove the alleged debt from all credit bureaus ( XXXX, XXXX, and XXXX ). 
I demand that they provide proof of ownership of the debt, including the full chain of assignment from the original creditor to LVNV.

If a court judgment exists, I request that it be reviewed and invalidated due to lack of proper notification and fraudulent practices. 
I also ask that appropriate regulatory action be taken against LVNV Funding for their violations of the Fair Debt Collection Practices Act ( FDCPA ) and my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-29 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: NY

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-01-29 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. Leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided. Causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian inaction violates federal law and my rights as a 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 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I had a Bank of America XXXX credit card that I pay to a XXXX balance in XX/XX/XXXX. Because it was set for auto payments Bank of America continued to take monthly payments. The account was paid in full. 
XXXX of XXXX I noticed this was still coming out of my account and called to find out why. They told me it was because I set an amount to come out. They told me that they had been generating refund checks every 90 days but that because there was no correspondence on the account they were never mailed out. They never contacted me by phone or email to inform me of these refunds. They owe me a total of {$2500.00}. 
I was told that two of the checks for {$100.00} each was sent to Arkansas state auditor unclaimed. I have received those two. I was told that six were sent to Bank of America unclaimed two for {$100.00}, one for {$100.00}, and four for {$160.00}. I called unclaimed and they admitted they were there but have been very slow sending them. This was in XX/XX/XXXX. No one can seem to tell me where my other money is which is very concerning. Ive been lied to by many agents that they are sending me a check but nothing on other 6 checks they owe me. I cant get anyone on the phone to solve the issue. They sent me on a wild goose chase to the local branch which they told me there was nothing they could do with a credit card issue. I need help. Thank you

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