vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 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: NY

Complaint narrative:
Amex ran a very misleading marketing offer on the XXXX XXXX XXXX XXXX where they ran a 0 % APR offer. I was approved for the credit card but not for the offer and this was not made clear to me so they went ahead and charged me interest on the balance, all the while I was under the impression that it was 0 % XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
Goldman Sachs, which administers the Apple Card for XXXX, was contacted through the XXXX XXXX feature. I provided communications from the merchant, also known as the app developer, regarding a second telephone number that has been non-functional for three months. However, Goldman Sachs, through their messages, refused to acknowledge the dispute or to contact XXXX on our behalf, which is a direct violation of the Federal Fair Credit Billing Act and the New York State False and Deceptive Trade Practices Act. I am supplying screenshots of all communications, as well as screenshots referencing the two charges. Although these charges are only {$12.00} each, they may be part of a larger, ongoing scheme to defraud Apple Card users concerning apps in the XXXX XXXX. It seems the XXXX XXXX is riddled with bad actors, indicating an ongoing and systematic scheme to defraud XXXX users. 

Please note that the XXXX ID is XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
They said statements were sent but I can't find them anywhere. They say its my problem. They did not send statements! My XXXX XXXX went from XXXX to XXXX and I also paid late fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
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. 

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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 information is inaccurate.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with XXXX opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as XXXX ' Creditor Information addresses from my credit reports. 
I have requested Experian, XXXX and XXXX remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the Fair Credit Reporting Agency ( 15 USC 1681 ), The Privacy of Consumer Financial Information ( 16 CFR 313 ) and the Privacy Act of XXXX  ( 15 USC 552a ) to no avail. Along with numerous other violations, Experian reports the account with on time payments in XXXX of XXXX, while XXXX reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, Experian has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and XXXX has it remarked as Charged Off Account. In addition, XXXX, XXXX and Experian each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting Experian, XXXX, and XXXX the remove the XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX 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 explanation
Consumer complaint received 2024-02-11 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: TX

Complaint narrative:
I just pulled my credit report and found out XXXX 's has been ongoing pulling a soft inquiry on my credit. Once a month since last year. I never asked them to do that.

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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Midland credit constantly calls and send mail threatening to forward to a debt collection lawyer stating I can be sued

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I have disputed through XXXX  XXXX, XXXX. It comes back accurate for this account through Comenity bank/ Victoria account # XXXX Amount {$480.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting XXXX XXXX XXXX to provide documentation and or contract with my signature on this debt and they have not responded. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with XXXX opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as XXXX ' Creditor Information addresses from my credit reports. 
I have requested XXXX, TransUnion and XXXX remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX ( XXXX CFR XXXX ) and the Privacy Act of XXXX ( XXXX XXXX XXXX ) to no avail. Along with numerous other violations, XXXX reports the account with on time payments in XXXX of XXXX, while XXXX reports payments 30 days late in XXXX of XXXX and TransUnion has no payment history available. Also, XXXX has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, TransUnion has it remarked as Purchased by another lender and XXXX has it remarked as Charged Off Account. In addition, XXXX, TransUnion and XXXX each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting XXXX, XXXX, and TransUnion the remove the XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX 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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the reporting of my account, Account # XXXX with XXXX opened XX/XX/XXXX is in violation of my federally protected consumer rights to privacy and confidentiality under 16 CFR 313.7, 15 USC 1666a and 15 USC 1681 . I have sent the aforementioned company opt out notices and they have, and are, violating my rights by not complying with my opt out notices. Ive sent these notices to XXXX different addresses identified as XXXX ' Creditor Information addresses from my credit reports. 
I have requested XXXX, XXXX and Equifax remove any and all information associated with my Avant Account # xxxxxxxxx due to violations being committed per regulations and laws under the XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX ( XXXX CFR XXXX ) and the Privacy Act of XXXX ( XXXX XXXX XXXX ) to no avail. Along with numerous other violations, XXXX reports the account with on time payments in XXXX of XXXX, while Equifax reports payments 30 days late in XXXX of XXXX and XXXX has no payment history available. Also, XXXX has the account remarked with Unpaid balance reported as a loss by XXXX XXXX, transferred to another lender, XXXX has it remarked as Purchased by another lender and Equifax has it remarked as Charged Off Account. In addition, Equifax, XXXX and XXXX each have different addresses listed as XXXX XXXX XXXX. I, once again, am formally requesting XXXX, Equifax, and XXXX the remove the XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXX from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: MI

Complaint narrative:
I have been trying for weeks to spend my American Express gift card online and it seems to get declined everywhere I try to shop. The card is worth exactly {$99.00}. This has been causing me a lot of trouble. XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX are the three methods of payment that I have been trying to submit. All transactions well under the {$99.00} amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 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: DISCOVER BANK
State: KY

Complaint narrative:
I have disputed through transunion, XXXX, XXXX. It comes back accurate for this account through Discover Bank. Account # XXXX Amount {$800.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting Discover Bank to provide documentation and or contract with my signature on this debt and they have not responded.This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I am writing as a XXXX person of XXXX, who has been a loyal and diligent customer of the XXXX brand for nearly a decade. Despite an impeccable credit score of over 800 and a history of absolutely flawless financial conduct, I am compelled to address a deeply concerning issue that has arisen from my most recent leasing experience with XXXX XXXX and XXXX XXXX facilitated by your sales representative, XXXX XXXX XXXX 

My recent lease agreement, executed on XX/XX/XXXX, has not only subjected me to what I perceive as an adverse action but has also illuminated potential discriminatory practices in violation of the Equal Credit Opportunity Act ( ECOA ) and its implementation through Regulation B. Despite my exceptional credit history, I was presented with what I understand to be an atrocious money factor that resulted in an APR of approximately 10.8 %. When queried, XXXX XXXX informed me that this rate was set by XXXX and was immutable a statement that subsequent revelations have shown to be misleading at best. 

This practice of marking up the money factor, without clear and transparent reasoning, particularly in light of my impeccable creditworthiness and without regard to my longstanding loyalty to your brand, suggests a blatant disregard for the fair lending principles outlined in the ECOA and Regulation B. Furthermore, the absence of a legitimate rationale for this discrepancy, coupled with the misleading information provided by your representative, XXXX XXXX, raises serious questions about the integrity of your leasing process and the equitable treatment of customers, especially those of minority backgrounds. 

The implications of these actions extend beyond my individual case. They suggest a pattern of behavior that may affect other consumers of XXXX, potentially reflecting systemic issues within your organization 's approach to customer relations and compliance with federal lending laws. 

Therefore, I am requesting a thorough investigation into my current lease terms, specifically the determination of the money factor and its compliance with ECOA and Regulation B. Additionally, I urge you to review my previous leases for a XXXX XXXX  and a XXXXXXXX XXXX, both obtained through XXXX XXXX, where similar assertions regarding the non-negotiability of the money factor were made. This review should not only seek to rectify any injustices I may have faced but also ensure such practices are corrected moving forward to uphold the principles of fairness and equality. 

Your immediate attention to this matter is not only in the interest of rectifying a potentially unjust situation but also in reaffirming your commitment to ethical business practices and the legal obligations you hold under federal law. 

I await your prompt and comprehensive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: CA

Complaint narrative:
Please re Investigate the inaccurate information you are reporting on my consumer report. You have failed to abide by FCRA Metro 2 guidelines and are reporting inaccurate accounts. This is my Notice of Demand to remove this derogatory off my account immediately.

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 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: NCB Management Services Inc.
State: TX

Complaint narrative:
Debt Collection agency, NCB Management Services Inc., reports that I owe a balance of {$4100.00}. This company is violating Texas State Licensing Requirements of being licensed/bonded to collect. I am concerned that this debt collection agency has no legal ground to do business or collect from me because of the violation of Texas State Requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Kriya Capital, LLC
State: TN

Complaint narrative:
I written a letter to credence resource management I have gotten a response

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
No idea what they have added as no job is accepting me now may have been a creditting scamming loan company i need to know what chanegd on the last several months bc i applied to jobs which i had easily got accepted in the past and all of a sudden getting turned down from every job i apply at and they are saying it is something on my backround check. and i do not have any felonies or anythign like that so i need someone to contact me asap to know what in the world is going on.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I am writing to you with a sense of urgency and frustration regarding the Equifax data breach that has severely impacted my personal and financial life. My personal information was exposed, leading to potential identity theft, and I am outraged by the resulting damages. 

I want to make it clear that I have faced significant challenges in dealing with this situation due to language barriers and a lack of understanding of credit systems. I had trusted Equifax as a reliable entity, but since XXXX, I have been grappling with my credit score due to identity theft, which I was unaware of until recently. 

The problems I have encountered with my credit are now understandable in light of the data breach. I have spent countless hours trying to rectify these issues, causing not only disruption to my daily life but also immense stress and anxiety. 

I am aware that the deadline to file a claim for Out-of-Pocket Losses incurred between XX/XX/XXXX and XX/XX/XXXX as a result of the Data Breach was on XX/XX/XXXX. However, due to the challenges mentioned above, I was unable to submit my claim in time. 

I demand your immediate attention and consideration in reviewing my case despite the passed deadline. It is only just that Equifax takes responsibility for the damages caused by their failure to protect my personal information. 

I have incurred significant personal out-of-pocket and monetary expenses as a result of this data breach :

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: OH

Complaint narrative:
Please Re Investigate the Inaccurate information you are reporting on my credit report. It is illegal to report information you know to be inaccuarte. You are not in Metro 2 guidelines. IF you do not remove accounts that are disputed you will be civil liable for willful non compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-02-11 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: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
I have disputed through XXXX XXXXXXXX, XXXX. It comes back accurate for this account through portfolio recovery. Account # XXXX Amount {$480.00}. I have no knowledge of this account. I have sent certified mail to all three bureaus requesting XXXX XXXX XXXX to provide documentation and or contract with my signature on this debt and they have not responded. This is inaccurate reporting according to the Fair Credit Reporting Act. Please investigate this as this is hurting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: IL

Complaint narrative:
I got a debit card from Chime today. Before this I got emails and I opted to unsubscribe. It appears they opened an account up for me without my permission.

Company response to consumer: Closed with explanation