vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: NV

Complaint narrative:
Obtained American Express Personal Platinum card, which advertises among other benefits, a {$20.00} a month XXXX XXXX credit on your account for specific charges and a twice yearly {$50.00} credit for charges at XXXX XXXX XXXX. I made a XXXX eligible charge for XXXX service for the digital credit and a {$60.00} charge at XXXX XXXX both in mid XX/XX/XXXX, which should have yielded a total of {$70.00} in credits. After not receiving them on my account, I chatted with Amex today ( XX/XX/XXXX ) and was informed that I had to have " activated '' the benefit of both of those things in order to receive them. I was told the terms state that you have to " enroll '' to get the credits, despite them being advertised as part of the card. The terms state " Enrollment through American Express is required to receive the benefit '' which I interpreted to mean applying for, receiving and activating your card with Amex, not as some arcane and unnecessary extra one time search of the Amex account page, and a random extra 1 click on specific benefits to " enroll. '' It is an unreasonable expectation or interpretation to believe that a consumer would know or even expect to have to " enroll '' in a benefit that is advertised as part of a card as a perk, especially when the card comes with XXXX other stated advertised benefits that are advertised along side the benefits here at issue, and those do NOT require any form of " enrollment '' beyond the expected receipt, confirmation and activation of the card. For example, the {$200.00} a year hotel credit, the XXXX monthly XXXX credit and other things do NOT require a random extra click to " enroll '' on a somewhat hidden page on the Amex account site, yet these two credits have a random and unexpected requirement to literally click " enroll '' after logging in and searching the " benefit dashboard '' and any charges made prior to that action are deemed ineligible, despite being otherwise qualified, as in my case.

I would point out that the Amex company representative on the chat even attempted to manually provide me a {$70.00} credit to make good on the benefits, but was rejected by her computer system according to her. She ( XXXX ) stated the system declined to allow her to issue me the credit that clearly even she thought was correctly owed to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
I always make my payments on time, so I dont understand why this company is marking me late on some months. Under USC 1666b, billing mistakes should be fixed, and my account should show " paid as agreed. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: GA

Complaint narrative:
I am writing to formally dispute a collection account that has been inaccurately reported on my credit file. XXXX is currently reporting that I owe {$1700.00} for an XXXX XXXX that I never received. This collection account is erroneous and should be removed from my credit report 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 2024-09-19 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I am a victim of identity theft. Someone tried to apply for multiple account using my information. XXXX system report has multiple fraudulent inquires. I contacted XXXX and they refuse to conduct a through investigation without a CFPB report. Fraudulent Inquires : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/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 2024-09-19 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: AL

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this.Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter

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 2024-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I recently set up a new savings account. I interlineated the account agreement with XXXX percent interest. Citizens accepted the change and set up the account. Now they don't want to pay the interest agreed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: TX

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 2024-09-20 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: PA

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 non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In 2021 I was pondering a home purchase and was considering Navy Federal as my mortgage holder, so I opened an account with them. Ultimately, I decided I did not want to buy a home anywhere and be committed to one place. However, even when I closed my NFCU account, one thing never stopped -- EVERY MONTH I received something I NEVER SIGNED UP FOR : " Mission : Credit Confidence by Navy Federal '' This spam mail, sucking space and time, is my XXXX credit report, which is utterly USELESS to me since I have no log in for NFCU anyway. I was assured when I closed my account and they sent me a cashier 's check, that all my emails would stop too. As per usual with spammy folks, NFCU feels the need to keep telling me that my credit report can be seen if I figure out how to log into my NON EXISTENT ACCOUNT. 

I am fed up. Not sure how these CFPB complaints get shown but anyone looking closely will see this is my third in a row today dealing with spamming banks or cards that I have tried for YEARS to stop.I have resolved to not wait so long anymore. I am missing important messages, cluttering my inbox, and taking too much time to deal with this baloney. Time 's up. No email should be allowed without opt-in consent. Period. NEVER EMAIL ME AGAIN, Navy Federal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ARC Management Group, LLC
State: CA

Complaint narrative:
XX/XX/24 VALIDATION AND CEASE AND DESIST Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX File number : XXXX Dear ARC Management Group , LLC I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR. 
VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 
ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR. 
PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR. 
PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR. 
PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 
Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 
PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 
IF YOU PASS THIS ON TO ANOTHER COLLECTOR, I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt. Thank you for your immediate cooperation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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:
TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to follow up on a previous dispute regarding inaccurate information on my credit report involving XXXX XXXX. Despite my earlier dispute, this issue has not been resolved. XXXX XXXX is still incorrectly reporting as a factoring company, when they are in fact a debt collection agency. This misrepresentation is in violation of the Fair Credit Reporting Act ( FCRA ), which mandates that only accurate and truthful information be provided on consumer credit reports. 

Details of the Dispute : Creditor : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Issue : XXXX XXXX  is misrepresented as a " factoring company, '' which is inaccurate. They are a debt collection agency. 

Previous Dispute History : I previously filed a dispute regarding this inaccurate information on XX/XX/year>2024 and XX/XX/year>2024. Despite this, XXXX XXXX continues to misrepresent its status on my credit report. 

Violations : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) : Furnishers of information are required to ensure accuracy in reporting. By misrepresenting themselves as a factoring company, XXXX XXXX is providing false information on my credit report. 

Requested Action : I request that you immediately remove all incorrect information related to XXXX XXXX from my credit report. Reinvestigate the dispute in compliance with the FCRA and notify me of the results. 
Provide written confirmation that the inaccurate information has been removed from my report. 

Attached are the following documents to support my dispute : A copy of my credit report with the disputed entry highlighted. 
Any relevant communications between XXXX XXXX and myself. 
A copy of my original dispute letter and any correspondence from the credit bureau acknowledging the prior dispute. 

Please investigate this matter thoroughly and provide me with a written response within 30 days, as required by the FCRA. This situation has persisted despite my previous attempts to resolve it, and I expect the CFPB to take the necessary corrective actions immediately. 

Thank you for your prompt attention to this ongoing issue.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
Here is an overview of my issue : I have been a long-time customer, and I recently made a payment that brought my account balance to XXXX. However, after that payment, a {$2.00} interest charge was applied, which I was unaware of until XX/XX/year>. 
In XXXX, I paid the {$2.00} interest charge, but it was over 30 days past due. As a result, my credit score has dropped from a range of XXXX to XXXX due to this minor charge. 

I contacted Express/Comenity Bank a few weeks ago and was advised to reach out to all three credit bureaus. I did this, filing a dispute and including the zero-balance letter you provided me. However, the credit bureaus informed me that they can not remove the derogatory mark unless they receive a request from Comenity Bank/Express , either through a phone call or a written letter. 

Given the minimal amount of the charge, I am hopeful that you can contact the credit bureaus to resolve this matter and prevent any further damage to my credit. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 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: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT 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 2024-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MA

Complaint narrative:
In XXXX of 2024 a check for my entire student loan, {$16.00}, XXXX was mailed to Mohela by XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX has records Mohela processed/cashed my check on XX/XX/year>. When I called Mohela on XX/XX/XXXX and XX/XX/XXXX, Mohela had no records of my check, I could not talk to a supervisor and on each date, I made request for the missing check to be researched and found, as I was advised by the fraud department at XXXX XXXXXXXX XXXX. Each day I look at my Mohela account, a different amount is posted, sometimes it has my loans at XXXX, sometimes it says I am behind on payments, sometimes the interest continues to compound. I never understand how Mohela manages my loan. I have had problems with this servicer the entire time they have handled my loan. The paper statements from this servicer are incomprehensible. As of XX/XX/XXXX, the check for the entirety of my student loan, which has been processed/cashed by Mohela, is still not posted to my account and no one I call at Mohela knows where it is. I have also contacted the Attorney General, XXXX XXXX 's office and the Department of Education 's Ombudsman 's office. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
This letter serves as a formal complaint regarding inaccurate credit information that has been included in my credit profile. I am extremely distressed about the inclusion of the following information, as it has significantly damaged my good credit standing. As you are well aware, credit reporting laws mandate that credit bureaus report only accurate information. The inclusion of this erroneous information is a serious breach of these laws and must be rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
This letter serves as a formal complaint regarding inaccurate credit information that has been included in my credit profile. I am extremely distressed about the inclusion of the following information, as it has significantly damaged my good credit standing. As you are well aware, credit reporting laws mandate that credit bureaus report only accurate information. The inclusion of this erroneous information is a serious breach of these laws and must be rectified immediately.

Company response to consumer: Closed with non-monetary relief