vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
For the past few months, I was trying to use the American Express ShopWithPoints option on XXXX. I noticed that for whatever reason, my Amex Blue card was no longer registered in the XXXX program on XXXX. I have had my Amex Blue card for almost 26 years and this was never a problem in the past. Every time I tried to re-link my Amex card with the program, I got the following error from XXXX : An error occurred while trying to enroll your card with XXXX. 

I finally decided to call Amex this evening ( XXXX ) and they ( agent XXXX ) informed me that the Pay with Points programs were removed from my card on XX/XX/XXXX, as my XXXX card is a legacy card. 

I indicated to XXXX that I never received notification of this pending change to my card. While chatting with XXXX, I researched online and it appears many other cardholders were also caught off-guard by Amex with this change. I asked XXXX to be transferred to a supervisor and so she transferred me to XXXX. 

XXXX mentioned that Amex put out a communication in the XX/XX/XXXX statement that the Pay with Points programs were going away. I informed XXXX there is no way I would have known about this upcoming program change because Amex has not been properly sending me my paper statements. Well over a year ago, I called Amex to complain that my paper statements do not have the correct delivery address printed. In Amex 's system, my address appears correct, however, when they print the statements ( which I can see in the PDF files ), they are truncating my street name, and thus the Post Office is returning the statements back to Amex. Amex previously confirmed they were receiving the statements returned, and that they would fix the issue, but til this day, Amex still have not resolved the problem and I am still not receiving my paper statements. While chatting with XXXX this evening, I pointed out to him that if he goes to look at the PDF of my XX/XX/XXXX statement, he will see the address is still incorrectly printed, and he confirmed as such. I have lived in my home for over 11 years and have no issues receiving mail from any other company. 

Given Amex 's negligence in fixing the postal delivery of my paper statements, I never received the communications in XX/XX/XXXX or XX/XX/XXXX that the Pay with Points program was ending, and as such, I did not have the opportunity to redeem my points with those programs. I am now left with Amex 's current and diminished value redemption options, which will force me to use more points and get less value. 

I have screen captures of my entire chat with Amex, should they be needed for this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: WA

Complaint narrative:
I never moved to XXXX on first apartment in XXXX washington, I just filled the application form and paid the application amount.Although I never signed lease. 
I got email confirmation from property management as well that I dont owe them any amount.But i am getting calls from IQ international data about the amount I owe to them, which is false .It has also impacted ky credit score kindly help and let me know if you need more information from my side best XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: SC

Complaint narrative:
Please see attached provide Master Promissary Note that shows debt is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a grave and ongoing issue concerning the inaccuracies and mishandling of my credit information by XXXX, TransUnion, and XXXX. Despite my repeated attempts to rectify these errors through all available channels, the situation remains unresolved, and my credit profile continues to suffer as a result. 

For the past [ duration ], I have been diligently working to correct the inaccuracies on my credit reports. These errors include but are not limited to incorrect personal information, fraudulent derogatory remarks on accounts marked as " Paid, '' and unauthorized accounts listed, notably one from XXXX which I have not authorized or consented to. 

I have followed all required procedures to dispute these inaccuracies, providing comprehensive documentation to support my claims. Despite this, XXXX, TransUnion, and XXXX have failed to take appropriate action within the mandated timeframe, and the erroneous information persists on my credit reports. 

Furthermore, I have encountered significant obstacles in my attempts to communicate with XXXX, TransUnion, and XXXX. Despite multiple phone calls, letters, and even notarized identification documents sent to confirm my identity, they continue to request further verification, unnecessarily prolonging the resolution process. 

These failures on the part of XXXX, TransUnion, and XXXX are not only frustrating but also have severe repercussions on my financial well-being. The presence of inaccurate and unauthorized information on my credit reports affects my ability to access credit, obtain favorable interest rates, and conduct essential financial transactions. 

I urge you to investigate this matter promptly and take appropriate action to ensure that XXXX, TransUnion, and XXXX fulfill their obligations under the Fair Credit Reporting Act. Specifically, I request that they promptly correct the inaccuracies on my credit reports and cease any further delays or requests for unnecessary documentation. 

Additionally, I wish to emphasize that the inclusion of " Chargeoffs '' on my credit reports is illegal, as consumer reports are not supposed to reflect income. Moreover, the presence of the XXXX account, which was sold to a third party without my permission, is a clear violation of my rights. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues swiftly. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, 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
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
Dear Sir/Madam, I am writing to bring to your attention a grave and ongoing issue concerning the inaccuracies and mishandling of my credit information by XXXX, XXXX, and Experian. Despite my repeated attempts to rectify these errors through all available channels, the situation remains unresolved, and my credit profile continues to suffer as a result. 

For the past [ duration ], I have been diligently working to correct the inaccuracies on my credit reports. These errors include but are not limited to incorrect personal information, fraudulent derogatory remarks on accounts marked as " Paid, '' and unauthorized accounts listed, notably one from XXXX which I have not authorized or consented to. 

I have followed all required procedures to dispute these inaccuracies, providing comprehensive documentation to support my claims. Despite this, XXXX, XXXX, and Experian have failed to take appropriate action within the mandated timeframe, and the erroneous information persists on my credit reports. 

Furthermore, I have encountered significant obstacles in my attempts to communicate with XXXX, XXXX, and Experian. Despite multiple phone calls, letters, and even notarized identification documents sent to confirm my identity, they continue to request further verification, unnecessarily prolonging the resolution process. 

These failures on the part of XXXX, XXXX, and Experian are not only frustrating but also have severe repercussions on my financial well-being. The presence of inaccurate and unauthorized information on my credit reports affects my ability to access credit, obtain favorable interest rates, and conduct essential financial transactions. 

I urge you to investigate this matter promptly and take appropriate action to ensure that XXXX, XXXX, and Experian fulfill their obligations under the Fair Credit Reporting Act. Specifically, I request that they promptly correct the inaccuracies on my credit reports and cease any further delays or requests for unnecessary documentation. 

Additionally, I wish to emphasize that the inclusion of " Chargeoffs '' on my credit reports is illegal, as consumer reports are not supposed to reflect income. Moreover, the presence of the XXXX account, which was sold to a third party without my permission, is a clear violation of my rights. 

I appreciate your attention to this matter and trust that you will take the necessary steps to resolve these issues swiftly. Please do not hesitate to contact me at [ Your Phone Number ] or [ Your Email Address ] if further information is required. 

Thank you for your assistance in this urgent matter. 

Sincerely, 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
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
I am a victim of identity theft. Cause of the data breach at XXXX. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Company absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 

Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: GA

Complaint narrative:
A few years I was a victim of ID Theft, It was proven that my Identity was misused for fraudulent purposes and goods and services were obtained. I reported it the the authorities and launched an investigation and concluded that the accounts were not mine. I submitted documents to the credit reporting agencies several times. They were not willing to help me resolved the issues. I contacted the creditors on my own and they concluded that the accounts did not belong to me. But Experian refused to help me. Instead they were ok with reporting erroneous information to my credit profile. I am asking again to the accounts deleted from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
Attention XXXX XXXX : I applied for a Credit Card on XXXX and was denied. Contrary to your presumptions and alleged reasoning for denying me, I have the right to Full Faith and Credit, see the attached document ( s ). Your Language Fraud, False and Misleading Denial of my Own Credits is pursuant to 17 CFR 240.15c1-2 - Fraud and Misrepresentation and 15 USC 1692e False and Misleading representation. You are unlawfully and knowingly withholding access to my securities that I the bondholder authorized on the initial tender of payment/application/credit card from the certificate of indebtedness bond. Your wilful withholding of my access to my securities is defined as securities fraud pursuant to 18 U.S. Code 1348 - Securities and Commodities Fraud. You are not only wilfully violating my right to my Credits ; you are also in violation, and non-compliance with the Equal Credit Opportunity Act and the Consumer Credit Protection Act. Since you are unlawfully denying me my Credits, Retract my Application immediately upon receipt of this NOTICE, non-assumpsit. A Certified verification letter in writing/typed with the company letterhead and an Officials signature confirming my Application Retraction is required point by point, exact, for my record keeping ; non-assumpsit. Thank you for your cooperation in this matter. 

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 explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I demand XXXX XXXX  be deleted the supreme court ruled it unconstitutional! It's not a consumer transaction a loan or revolving credit line it's a violation of my constitutional rights by the state of Florida and transunion please remove it immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I demand XXXX XXXX be deleted the supreme court ruled it unconstitutional! It's not a consumer transaction a loan or revolving credit line it's a violation of my constitutional rights by the state of Florida and XXXX please remove it immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The representatives of the company harassed family members and filed reports containing non public private information to the private reporting agencies after contacting me daily and failing to submit proof of loan after i requested this information on multiple occasions. I have Opted Out of any sharing of non public private information and the information is on reports being shared by private reporting agencies. This is a violation of the Privacy Act of 1974.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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:
Months ago, I sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 2024-02-14 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: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
NAVY FEDERAL CREDIT UNION the primary cardholder XXXX XXXX XXXX XXXX XXXX as an authorized user on XX/XX/XXXX. Authorized users was issued their own credit card with their name on it. This was reported on all three major credit bureaus ( XXXX, XXXX and XXXX ). 
On XX/XX/XXXX Account Number XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE you have additional questions about this item please contact : NAVY FEDERAL CREDIT UNION, as a result my XXXX Score drop from XXXX to XXXX this is a pattern with NAVY FEDERAL CREDIT UNION on XX/XX/XXXX my FICO Score was XXXX drop to XXXX, I contact NAVY FEDERAL CREDIT UNION on XX/XX/XXXX their response were have the primary cardholder XXXX XXXX to add you again as an authorized user. 
According to XXXX XXXX XXXX XXXX credit card provisions accepted credit card means any credit card that a cardholder has requested or applied for and received, or has signed, used, or authorized another person to use to obtain credit. I was not treated fair. 
The primary cardholder XXXX XXXX receive no Notification from the card issuer by telephone, or in writing that the authorized user have been deleted from the primary cardholder credit card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I demand XXXX XXXX be deleted the supreme court ruled it unconstitutional! It's not a consumer transaction a loan or revolving credit line it's a violation of my constitutional rights by the state of Florida and XXXX please remove it 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 explanation
Consumer complaint received 2024-02-14 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: IL

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. 

Summary of Accounts being challenged in list form XXXX XXXX - Account XXXX Bankruptcy - Account XXXX Bankruptcy - Account 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 2024-02-14 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please see attached my Notice of Dispute of Billing ErrorValidation of Alleged Debt In Connection With FHA Mortgage Loan and Consumer Mortgage Loan Receivables Accounts dated XX/XX/year>.

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