vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
For Complaint # XXXX XXXX XXXX American Express XXXX XXXX feedback to the first attachment sent by American Express but when I tried to provide feedback to the second attachment sent by American Express XXXX XXXX the CFPB website XXXX not allow additional feedback which follows. 

In the response from American Express they state if I XXXX XXXX had any of the following American Express cards, see list below by XXXX or American Express I would not be eligible for the promotion. 

In the list below provided in the American Express attachment I have not had any of the credit cards listed. 

Please credit the XXXX XXXX XXXX points to my XXXX account as earned. 

XXXX XXXX Below from American Express XX/XX/XXXX response. 

" welcome offer ( XXXX ) XXXX not be available to applicants who have or have had this Card or previous versions of this Card or the XXXX XXXX XXXX XXXX Credit Card from American Express. We XXXX also consider the number of American Express XXXX they have opened and closed as well as other factors in making a decision on their offer eligibility. The terms and conditions also state that welcome offer not available to applicants who ( i ) have or have had the XXXX XXXX XXXX XXXX XXXX Credit Card from XXXX, the XXXX Rewards Premier Plus Business Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Credit Card from XXXX in the last 30 days, ( ii ) have acquired the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, the XXXX XXXX XXXX Credit Card from XXXX, in the last 90 days, or ( iii ) received a new Card Member bonus offer in the last 24 months on the XXXX XXXX XXXX Credit Card from XXXX, XXXX XXXX XXXX Credit Card from XXXX, or the XXXX XXXX XXXX Credit Card from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the lists of accounts below have violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account name VA XXXX XXXX XXXX Account # XXXX XXXX 15 USC 1681 SECTION 602A STATES THAT I HAVE A RIGHT TO PRIVACY 15 USC 1681 SECTION 604A SECTION 2, ALSO STATES THAT A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACOUNT WITHOUT MY WRITTEN INSTRUCTION. 
I DID NOT GIVE ANY WRITTEN CONSENT TO VA XXXX OF XXXX XXXX XXXX XXXX XXXX ( a ) ( 5 ) STATES 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. Code 1681s2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 US Code 1681a ( 2 ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; TRANSACTIONS OR EXPERIENCES BETWEEN A PERSON AND CONSUMER ARE EXPLICITLY EXCLUDED FROM CONSUMER REPORTS UNDER THE LAW.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Disputed unauthorized accounts with Portfolio Recovery Associates and XXXX XXXX XXXX in XX/XX/2023, XX/XX/2023, and XX/XX/2023. I've asked for the following legal documentation several times : XXXX. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature XXXX. An original contract between me and XXXX XXXX XXXX with my wet signature XXXX. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement. 

XXXX. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA, FDCPA, and XXXX. 

XXXX. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service. 

XXXX. A XXXX release form with my wet signature as proof of my consent As of today, all I have received in a statement. A statement is not legally binding. Anyone can generate a statement and mail it to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I requested that the following inquiries be removed off my report. I have reached out to the companys and failure to provide me with any written documents that gave consent to inquire my credit report. I did not authorize nor give the credit bureaus any authorization of these following inquiries. I am a victim of identity theft. I also requested that these inquiries be removed within 30 days from the notice that I sent out. Companys where unable to provide me proof that it was me XXXX XXXX that authorized these inquiries it has now been over 30 days. I believe it is essential to maintain the accuracy and integrity of my credit report. I have submitted a claim to the ftc in regards to this matter as well.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2023 I requested that the following inquiries be removed off my report. I have reached out to the companys and failure to provide me with any written documents that gave consent to inquire my credit report. I did not authorize nor give the credit bureaus any authorization of these following inquiries. I am a victim of identity theft. I also requested that these inquiries be removed within 30 days from the notice that I sent out. Companys where unable to provide me proof that it was me XXXX XXXX that authorized these inquiries it has now been over 30 days. I believe it is essential to maintain the accuracy and integrity of my credit report. I have submitted a claim to the ftc in regards to this matter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
XXXX XXXX Account XXXX XXXX Creditor is netcredit Balance {$1500.00} Multiple payments have been paid on this account and is still being reported late. 

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 1 5 USC 1681 Account name : XXXX  XXXX Account Number # XXXX Opened XX/XX/2014 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1 681 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 information as inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: NY

Complaint narrative:
I'm having problems with keeping up with the payments and it's because of how payments are being allocated. Told twice by a supervisor that my total payment went to interest not principle which cause the account to go in pass due status. XXXX cost about $ XXXX book value charged XXXX and paid about XXXX and still have a XXXX balance. Help me understand that in legal terms please. Now after about twenty-five {$400.00} payments I'm block on my account because I'm 23 days pay due. Which is schedule to come out my bank account. My fear is next it's repossession. I also see a suit from the Attorney General XXXX XXXX New York alleging the same conduct against other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
Chex Systems XXXX Is furnishing data that is preventing me from being able to open up a checkings account with banking institutions. I spoke with a representative on Monday XX/XX/2023 around XXXX. I asked the representative how can I remove the inaccurate information that is listed on the consumer report ; I was told that I can not have any of that information removed because it is verified information. I was never contacted prior to the information being furnished on the consumer report neither was I informed about the information listed about me. The FCRA requires that investigations be completed within XXXX calendar days. Under section 312, it requires that information furnishers including banks, and credit unions provide accurate and complete data to consumer reporting agencies, any failure to comply with these provisions constitutes federal law.

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VT

Complaint narrative:
on XX/XX/23 I filed a complaint with the credit reporting agency about my personal information being incorrect. As of XX/XX/23 the information hasn't been corrected.

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 2023-08-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
REFERENCE TO PREVIOUS REPORT # XXXX - EQUIFAX DID NOT FOLLOW THE LAW AND DID NOT PERFORM A THOROUGH INVESTIGATION. XXXX XXXX WAS NOTIFIED BY ME IN WRITING ( DOCUMENT ALREADY PROVIDED AS PROOF ), A REP FROM XXXX, WITHOUT MY AUTHORIZATION, CHANGED MY ACCOUNT DETAILS, RESULTING IN A LARGE CHARGE, CONSISTS OF FEES THAT WERE NOT DISCLOSED AND PLACING ME ON A PLAN I DID NOT AUTHORIZE. XXXX HAS RECORDINGS OF ALL MY CONVERSATIONS, INCLUDING A COUPLE WHERE YOU CAN HEAR ME ACCUSE XXXX. THE REP AT XXXX I HAVE BEEN COMMUNICATING WITH CLEARLY IS INVOLVED IN A COVER-UP. XXXX, MISLEAD ME AND CAUSED CHARGES THAT RESULTED IN XXXX OF DOLLARS. I AM SURE THERE ARE MANY CUSTOMERS WHO HAVE EXPERIENCES THE " SCAM ''. 

WHERE IS CFPD? I THOUGHT YOU ASSIST WITH COMPLAINTS LIKE THIS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
XXXX is with bestbuy citibank credit card # XXXX is the case number. 

Many purchases were made without me knowing or my consent, I had already asked the company to send me a new card. 

These are some of the transactions. 

XXXX XXXX XXXX XXXX CA {$76.00} XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX CA {$16.00} XX/XX/XXXX XXXX XXXX XXXX XXXX CA

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 monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: FL

Complaint narrative:
on XX/XX/XXXX my car company us auto sales went bankrupt and was told my loan was being transfer over to west lake portfolio mangement. my vehicle broke down due to transmission failing and called west lake to correct the problem since us auto sales say my loan was transferred. west lake agreed to put a request in because i was spending over XXXX XXXX to get my car fixed and west lake was not honoring the service agreement even t. on XX/XX/XXXX my vehicle was repo and i was told my payments were behind on the vehicle. i told west lake that i had to get my vehicle service since they did not honnor the service agreement with us auto sales. then west lake also said that i haven't paid on the car since i had for 2 years which is a lie and have payments to prove it. then they are charging me full price for my vehicle when i first got the vehicle 2 years ago in XX/XX/XXXX. they were telling me my whole loan started over but i never agreed to any loan starting over and did not get any phone call from us auto or west lake. and it still show that us auto is still the lein owner of my vehicle not west lake and they are not explaining any details from us auto sales contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
I was the victim of identity fraud last XXXX whereby a fraudster contacted my mobile network provider and impersonated me in order to obtain digital sim cards for my phone. 

The fraudster used my digital sim card and some account info obtained as part of a data leak to access my financial assets, including my Coinbase account. 

Upon accessing Coinbase account, they sold crypto of value XXXX XXXX XXXX ( I know the exact figure becuase coinbase support provided a transaction report ) and withdrew the resulting funds. 

I contacted Coinbase almost immediately to report the fraud via phone and email. Over the past 10 months I have provided numerous pieces of evidence including a police report to support my case for compensation.

I have been reassured mutliple times by Coinbase operatives on the phone and via email that I will recieve compensation but the last written comms I have from the company was in XXXX and when I call the helpline I am told to wait for email comms. 

I do not understand how a listed company can have no process for dealing with these things.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: ND

Complaint narrative:
And as far as dates and times this has been going on for years I finally decided to fight back I'll get as close as I can on the dates from XX/XX/XXXX all the way up to XX/XX/XXXX every day they would call even on the weekends then I heard if you use the word stop, then they would stop and it did. Then the letters started coming and I found some in accurate information XXXX XXXX, XXXX XXXX. I wrote letters to all of them asking them for a detailed account of the information they had I told him they have 30 days to respond. This was sent on XX/XX/XXXX. No response then I got to looking at the dates on what was being reported and found with all three agencies that there's inconsistencies in their dates and Active this is incorrect or this is why I am writing to you. I am familiar with something called 15 USC section 168. I heard that if you can provide proof these cards must be deleted and I want these accounts deleted if they are not 100 % correct please investigate I know you have 30 days to complete an investigation. Can you please remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I recently sent a letter to capital one and disputed this amongst other things with cfpb a month ago and i believe they forgot to remove this wrongly reported late on XX/XX/2022 on my XXXX account which was stated in the letter they received from me and cfpb has on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Volvo Car Financial Services U.S., LLC
State: CO

Complaint narrative:
Visited car dealership with pre approved financing from my bank. Dealership had me fill out form to only verify my personal details. I specifically stated I did not give consent to have my credit pulled from dealership as I already had financing through my bank. They pulled my credit. I confronted financing employee and he said its standard procedure. Salesman confirmed again that I did not give consent. I have documentation showing dealership was provided financing information from my bank. Both employees acknowledged I did not consent. I called XXXX, my bank, and they also confirmed dealership should not have pulled my credit since I had provided proof of financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am trying to get me a house and car and I have tried disputing this several times and nothing is being resolved! Ive called many times and nothing is being done! According to the 15 U.S.C 1681 Law there shouldnt be any damages on my report, its a defamation to my character

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am trying to get me a house and car and I have tried disputing this several times and nothing is being resolved! Ive called many times and nothing is being done! According to the 15 U.S.C 1681 Law there shouldnt be any damages on my report, its a defamation to my character

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VT

Complaint narrative:
on XX/XX/XXXX I submitted a complaint to correct inaccurate personal information with the credit reporting agency. As of XX/XX/XXXX the information has not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act USBKPT CT AL XXXX # XXXX has violated my rights.

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