vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-02 00:00:00
Product: Credit 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: TX

Complaint narrative:
I didn't receive my sign on bonus of XXXX points as advertised for my first Amex gold personal credit card. When I applied for it in XXXX, XXXX, the offer was XXXX points after I made XXXX purchase within XXXX  months of account opening. I made the required amount of XXXX within only XXXX  months ( around XXXX, XXXX ) but didn't receive XXXX points afterwards I have since tried to escalate this to Amex customer service team several times in the next XXXX  months but no one was able to fix it. The first few representatives said they saw the offer did apply to me but not sure why it wasn't posted to my account. 

I've attached the credit transaction csv file from Amex for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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 was a tenant at an XXXX  XXXX  called XXXX XXXX in XXXX NC back in XXXX it was around the time COVID was extremely high and I was in crisis. I couldn't afford my rent nor my utilities due to not being able to get a job and previous homelessness. I then found out about rental assistance program called RAMP where I applied to get assistance. I end up getting approved and completed all the steps to get assistance for my struggles. After I had to leave the apartment in XXXX, XXXX  I thought everything would be took care of and I would be able to move forward in peace. Years ago by the same apartment reports almost {$9000.00} dollars on my credit without my permission as it states in the law 15 USC 6802 limits the disclosure of nonpublic personal information by financial institutions. The section states that financial institutions can not disclose nonpublic personal information to nonaffiliated third parties without providing the consumer ( XXXX XXXX ) myself a notice. I have the emails of the program confirming my assistance for my time of need and suffering due to XXXX and it was not correctly and morally used therefore it should not be on my report because it's false information which why a credit bureaus should have called me first before reporting on my credit to these agencies. Secondly the law 15 USC 1681b permissible purposes of consumer reports. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the order of a court having jurisdiction to issue such an order meaning credit agencies should have had my written instruction to allow to put this on my credit report but I didn't send nor write a letter stating that and if so I need that to be verified. Lastly my information should be passing my personal information without my lawful authority which is the law 18 USC 1028A. I do have the emails stating I was getting rental assistance so this needs to be off my credit report due to pain and suffering of not being able to rent/buy a home of my own.

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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: TX

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form XXXX for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything on TransUnion AccountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 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: TX

Complaint narrative:
AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY, THE CREDIT REPORTING AGENCIES XXXX, EQUIFAX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISHED INFORMATION WITHOUT MY CONSENT, ON MY CONSUMER REPORTS. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681b, which outlines the permissible purpose of consumer reports and YOU DID NOT REQUEST Form SSA-89 for me to sign when application for credit was filed so therefore thered be no proof of me applying for anything on XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Dear XXXX XXXX Customer Service, I am writing to bring to your attention a discrepancy in the reporting of my son 's Authorized User status and account information on his credit reports. As previously communicated, my son XXXX XXXX is Authorized user on my XXXX XXXX XXXX XXXX Account. Despite my repeated requests, XXXX XXXX has failed to report this account information to XXXX and TransUnion credit bureaus. Pursuant to Section 1681b of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), Consumer reporting agencies must obtain and report information from all national Consumer Credit Reporting Agencies, including XXXX, XXXX and TransUnion, when creating a consumer report. By omitting my son 's Authorized User status and account history on these reports, XXXX XXXX has violated this statutory requirement. Therefore, I hereby formally request that XXXX XXXX open disputes with XXXX and TransUnion on my behalf and his behalf to ensure that our correct relationship and account information are reported and reflected on those agencies ' consumer reports. This dispute should include the following details : My name as XXXX XXXX as Account Holder and XXXX XXXX as Authorized User My account number ending in XXXX His account number is 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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
Dear XXXX XXXX Customer Service, I am writing to bring to your attention a discrepancy in the reporting of my son 's Authorized User status and account information on his credit reports. As previously communicated, my son XXXX XXXX is Authorized user on my XXXX XXXX XXXX XXXX Account. Despite my repeated requests, XXXX XXXX has failed to report this account information to Equifax and XXXX credit bureaus. Pursuant to Section 1681b of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), Consumer reporting agencies must obtain and report information from all national Consumer Credit Reporting Agencies, including Equifax, XXXX and XXXX, when creating a consumer report. By omitting my son 's Authorized User status and account history on these reports, XXXX XXXX has violated this statutory requirement. Therefore, I hereby formally request that XXXX XXXX open disputes with Equifax and XXXX on my behalf and his behalf to ensure that our correct relationship and account information are reported and reflected on those agencies ' consumer reports. This dispute should include the following details : My name as XXXX XXXX as Account Holder and XXXX XXXX as Authorized User My account number ending in XXXX His account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: MOHELA
State: CA

Complaint narrative:
I applied for a loan consolidation and income-driven repayment plan ( XXXX  ) on XX/XX/2024. MOHELA processed the consolidation ( but not the income-driven repayment plan XXXX  ) but is reporting both my consolidation loan and the previous loans that have been consolidated, doubling my reported debt. This affects my credit report and debt to income ratio.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I was Notified that my information was leaked into several companies such as XXXX XXXX and XXXX ( FDCPA ) 15 U.S.C1681 EB.I have inquires on my credit report that needs to be deleted off that I am not associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  veh dealer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to have these items investigated and removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: MOHELA
State: CA

Complaint narrative:
MOHELA has been a joke..I 've called XXXX emailed XXXX, and no one has helped me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
In XX/XX/XXXX, I opened an account at the XXXX Macys store located at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX. During a purchase at the store, the cashier informed me that my previous account had been closed and asked if I would like to open a new one. Even at the time of opening that account, the store clerk did not inform me that I had an outstanding balance from a previous account. I agreed, and a new account was opened for me that day. 

In XX/XX/XXXX, I paid off my total balance of {$110.00} via check to the account ending in XXXX. The funds were withdrawn from my bank account on XX/XX/XXXX. However, in XX/XX/XXXX, I received a past-due notice from Macys stating that I still had an outstanding balance. 

I contacted Macys and filed a dispute, providing evidence that I had paid my account in full. The agent instructed me to fax the documentation, which I did on XX/XX/XXXX, and again on XX/XX/XXXX. I also sent emails with attached evidence to XXXX. Despite these efforts, the issue remained unresolved. I followed up on XX/XX/XXXX, and was given a case number, # XXXX. However, I have not received any clear resolution or communication, and my credit report has been negatively affected as a result. 

I filed a complaint with the Better Business Bureau and reported my dispute to XXXX and XXXX. On XX/XX/XXXX, I called Macys escalated response team and spoke with XXXX ( agent ID # XXXX ) and discovered that I had two open accounts as of XX/XX/XXXX. When I paid the account ending in XXXX in XX/XX/XXXX, I was unaware of a second account. The cashier who assisted me in XX/XX/XXXX did not inform me of any existing account, leading to this confusion. I had made XXXX XXXX of inquiries and calls and complaints and no one on their team informed me of this mix up. Even with all these efforts the company does not want to resolve this matter even when they have every recorded conversation and history of my repeated calls an inquiry on my behalf to solve 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 2024-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ProCollect, Inc.
State: GA

Complaint narrative:
I have been contesting this matter, but my efforts have been unsuccessful. The alleged collection in question is from ProCollect Inc for {$2500.00}, pertaining XXXX XXXX account opened on XX/XX/2022. Upon review, I learned that ProCollect failed to provide me with the legally required written notice or debt validation letter, as mandated under the Fair Debt Collection Practices Act ( FDCPA ). 


Additionally, I have contacted the apartment complex directly, and they explicitly confirmed that the charge was removed from my account. I have also obtained a copy of the financial statement, which clearly shows that I was never charged the disputed amount of {$3000.00}. The continued reporting of this inaccurate information on my credit report constitutes defamation of character and is a violation of the Fair Credit Reporting Act ( FCRA ). This false reporting has significantly impacted my ability to apply for apartments and other credit-related opportunities. 


ProCollect 's actions, which appear to be predatory and unjustified, warrant a thorough investigation. I request the immediate removal of this inaccurate account from my credit report and any necessary actions to hold ProCollect accountable for non-compliance and misleading practices.

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 2024-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
We have done business with Capital One for a long time and never had any problems .... until we did. My husband has been fighting with XXXX for his XXXX benefits following an accident that left him without the use of his arms. This process took 3 years. He was finally approved in XXXX, 2024. He was granted full favorable decision and back pay for the 3 years he couldn't work. Back pay was issued via check for {$49000.00} and we deposited it into our Capital One Checking account via ATM at the Capital One XXXX on XX/XX/XXXX. We knew that there would be a reasonable hold because of the amount. At most we expected 3 day. NOT 2 MONTHS! 
On XX/XX/XXXX we both received an email to call the bank, funds frozen until XX/XX/year> for suspected fraud. We finally were able to speak with a supervisor/investigator he said they couldn't verify the validity of the check. The {$49000.00} check from the XXXX Treasury. He said that he " knows '' the check is fake and we are committing fraud and threatened legal actions ... jail. I find it hard to believe that they don't have any way to verify this check. I used the online verification system on XX/XX/XXXX and I called the Treasury myself and the agent verified that the check was paid/funded on XX/XX/XXXX. The check cleared and still Capital One would not release the funds. After much fighting and getting help from our Senator the funds were made available. Fast forward to XX/XX/XXXX and I had a declined charge. Back on the phone with Capital One because the account is frozen... again. More fighting and the next day they were available ( no explanation or apology ). Fast forward to XX/XX/XXXX and the account is frozen again. I got on the phone with Capital One again, they were all very rude, accusatory and once again told us we were trying to commit fraud and threatened legal actions. I spoke with many people and everyone has a different story. They told us that my husband has to prove that he is XXXX to Capital One. One said the IRS told them it was fraudulent. One said they still haven't verified the check. The one that was paid/cleared on XX/XX/XXXX. Multiple phone calls, crying, begging and we can't access our funds. I can't access the funds either because it's a joint account. All the bills we paid are electronic transactions. This means they are all going to be declined and then we have the fees. It's really stressful. 
My husband 's first monthly benefit was direct deposited into the frozen account. 
This never should have happened. The accusations, the lack of professionalism, terrible customer service, illegal holds of fund 's for absolutely nothing. Capital One release the funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I was in a car accident and I had gap insurance. The gap insurance covered 100 % of the loan. They claimed I owed them more after being paid by my insurance company. Credit acceptance contacted me and threatened me to pay money I do not owe them.

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 2024-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation