vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-29 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: CA

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX. Please delete these accounts ASAP.

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 2023-08-29 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: AL

Complaint narrative:
I applied for an American Express card which is connected to a XXXX XXXX program. In applying for the card, there was a promotion for after spending {$1000.00} in the first 3 months, I would receive XXXX bonus points and one free nights stay to use. 
On or about XX/XX/2023, I received notice that I had earned XXXX points and a free night to use. I was able to book a free night but I was not able to use the XXXX bonus points. I called American Express and spoke with a representative who expressed that the points would be available around XX/XX/2023. On or about XXXX the XXXX, I called American Express. After speaking with another representative, I was told that the information the last representative provided was incorrect and the points would not be available until XX/XX/2023. On the XXXX of XXXX I spoke with XXXX, who expressed that the billing cycle had just closed and XXXX XXXX would be available for use on XX/XX/2023. On XX/XX/XXXX I spoke with XXXX, who told me the points were sent to XXXX on XX/XX/2023. I asked to speak with the supervisor because each time I call I was given a different story of when the points would be available for use. Art was the supervisor that I was connected with. He expressed that the points were transferred to XXXX XXXX on XX/XX/2023 and there was nothing else American Express needed to do. He expressed that if the points were not showing they were under review by XXXX XXXX, not American Express. After speaking with XXXX, I called XXXX XXXX. I spoke with XXXX XXXX at XXXX XXXX, and she expressed that American Express had not submitted any points to my account and no points were under review. I explained that I keep getting the run around from American Express and XXXX XXXX. XXXX XXXX reached out to American Express on a XXXX call. She called and spoke with XXXX, the supervisor. He told her that the points had been transferred. Once she said that no points had been transferred nor were any points under review, XXXX began making every excuse he could as to why the points had not been transferred. He realized just XXXX minutes earlier he had told me a very different story. 
The spending requirement was met within the first 30 days. On my XXXX statement, XXXX, XXXX points were available for use. My XXXX statement reflected XXXX points to use, making the total number of points XXXX to use. However, none of these points are available for use with XXXX XXXX. 
Therefore, I would not have booked the free night if I was unable to use the points as well. I would have waited till both were available. Now I am told, if I cancel the free night, I will be charged approximately {$450.00} as a cancellation fee. This has been the worst customer service experience of representatives not knowing their jobs and a supervisor lying to make the company look good.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. The accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX are still showing late payments on my report. I'm hoping that these disputed accounts get corrected as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: CA

Complaint narrative:
there are multiple inquiries on my credit report that I did not authorize at all multiple disputes have been made to Exerian and they have failed to provide me with proof of the investigation that the companies had permission to make those inquiries to my credit report Experian and the companies have me going back-and-forth here are proof about the letters I had sent to Experian XXXX also sent another letter to Experian today XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Equifax, XXXX XXXX XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS and UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate and correct. In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are willful noncomplying with the FCRA. Since you CLAIM TO HAVE VERIFIED THIS ACCOUNT BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO UPDATE '' THE FOLLOWING ACCOUNT. Please update the following account, or inaccurate information, from my file immediately & send me the results to the address listedXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I completed payment on my loan with Green Sky and my bank mistakenly sent and extra payment of {$370.00}. The company didnt issue a check when they received the overpayment and when I saw it on a statement 2 weeks later and called I was told I have to wait for 30 more days to get my refund. That is 6 weeks! 
The company holds my finds hostage making an interest. They charge 25 % interest for their loans with 0 % intro financing for 12 months. If a payment is delayed by more than 10 days, they will charge 25 % retroactively and I would have forfeit the intro financing. BUT they can hold my money for 6 weeks without any consequence. When I called I was rudely informed that there is nothing I can do about it. I find this practice greedy and dishonest. The amount mistakenly withdrawn from my account can be of consequence and Im not willing to have it held without my consent for 6 weeks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CMI Group, Inc.
State: OH

Complaint narrative:
CREDIT MANAGEMENT , XXXX XXXXXXXX This account wasn't removed/deleted from my credit file even after I made the payment in full to the original creditor. The cable company had verified that the equipment was in fact returned yet never was credited to the account. I do not have any contractual agreements with CREDIT MANAGEMENT XXXX. This account is showing as a PAID collection when it should not be showing at all. I respectfully demand that this item be removed from my credit reports from all three credit bureaus.

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 2023-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Kikoff Inc.
State: MD

Complaint narrative:
I keep getting multiple emails from a automated debt collector through the involved company. 
The company sent over 10 separate emails Asking me for {$400.00} debt inquiry. 

I ask the company to stop sending me notifications on XX/XX/2022. But instead I get unauthorized emails inquiring about payment of {$400.00} balance that's due. 
I never gave my consent or authorized to be contacted about a debt. And I also asked the company to stop contacting 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 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CT

Complaint narrative:
I put in a dispute XX/XX/2023 and then told to reset my XXXX password which I did so I then woke up the next day ( XX/XX/2023 ) to my account being locked after several attempts and multiple representatives and supervisors I was told it was under review and would get solved by end of day by some or within 24 hours by others or they wouldnt even give me a time frame. I then got an email on Friday night ( XX/XX/2023 ) at XXXX that said Thank you for contacting Apple Card with Goldman Sachs about your account restrictions. Our records indicate your issue was resolved on XX/XX/2023. but unpin checking my Apple wallet my account was still restricted. I contacted them again to a supervisor telling me they were escalating a case to find out why after the review the reason behind why my account was still not unlocked. So then I called back the next day to be told it would take 10 days for a review and that I would just have to wait. I believe they just keep pushing me aside and that Im constantly getting false information from different reps and supervisors. Today when I was reporting all this I was told I would get a call from a Apple Card manager that basically told me theres nothing they can do and I would just have to wait and then they hung up on me. I would like some clarification on what is happening and to get this resolved as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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: CA

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX. Please delete these accounts ASAP.

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 2023-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I read about how I was supposed to be contacted by Wellsfargo about the money that they owe their customers and how they are supposed to inform us. I have not been notified about them breaking numerous consumer financial protection laws.

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 2023-08-29 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to dispute the following accounts that are listed on my Equifax credit report : XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Opened XX/XX/XXXX & Account # XXXX Opened XX/XX/XXXX I do not owe these debts and I have never authorized anyone to open these accounts in my name. I believe that these accounts are the result of identity theft. 
there are no variations to my name it should only be reported as " [ XXXX XXXX XXXX XXXX '' and the only address that should be on my credit report is where ive been living for XXXX years never lived anywhere else " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  new york XXXX I have submitted a dispute to Equifax , but I have not received a debt validation letter from the debt collectors. I have also tried to contact the debt collectors directly, but I have not been able to get in touch with anyone.

I am requesting that you immediately remove these accounts from my credit report. I am also requesting that you provide me with a debt validation letter for each account.

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. I also have the right to be free from fraud and deception in connection with the use of my credit information.

I am enclosing copies of my driver 's license and a recent utility bill to verify my identity.

I am requesting a response to this letter within 30 days. If I do not receive a response, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX ] I hope this helps!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account this creditor has violated my rights. 

15 USC 1681 section 602 states I have a right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written Instructions.

15 USC 1666B : A Creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXXXXXX and XXXX XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-08-29 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: TX

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$720.00} XXXX XXXX XXXX Balance {$470.00} XXXX XXXX XXXX  XXXX Balance {$740.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$420.00} XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX  Balance {$260.00} XXXX XXXX XXXXXXXX. XXXX, XXXXXXXX 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 explanation