vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/2021, I applied online for a XXXX XXXX XXXX American Express Card. The offer included with my application was the opportunity to earn 40,000 bonus miles after {$1000.00} in qualifying purchases are made on the Card within the first three months of Card Membership. I have subsequently fulfilled the requirement of qualifying purchases but American Express has refused to honor its welcome offer and have not provided me with 40,000 bonus miles. 

American Express has responded and advised that I was not eligible for the welcome offer. American Express has further stated that I was advised during the online application process that I was not eligible for this welcome offer. The response from American Express was incorrect. The company did not advise me during the application process that I was ineligible for the welcome offer, otherwise I would not have proceeded with this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to Experian, XXXX XXXX XXXX to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.

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 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received an alert of potential fraud charges from Citibank on XXXX/21 notifying me of potential unauthorized charges.

I immediately contacted Citibank and notified them of fraudulent activity and cancelled the card. I subsequently examined the transaction record and found more fraudulent charges.

XXXX21: Unauthorized charge at XXXX  XXXX  #XXXX  $XXXX  
XXXX/21: Unauthorized charge at XXXX XXXX  - XXXX  $XXXX  
XXXX/21: XXXX  XXXX  XXXX  $XXXX  
Incident Description
Total the

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to XXXX, Transunion XXXX XXXX to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.

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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Someone stole my identity and opened up fraudulent accounts in my name. I have tried to reach out to XXXX, XXXX XXXX Equifax to dispute and they haven't made the changes to remove these fraudulent accounts. I am attaching a FTC report that i have filed. Please remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: OR

Complaint narrative:
Company has shut down their online chat service, is actively dismissing calls with long wait times, and has no other way of contacting for closure. They have asked that I use XXXX for their customer service, which directs me to the call line, that again, consistently drops calls on their waiting line. I have verified this by checking with their XXXX help line, as others are experiencing the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
aBURNS, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX XXXX XXXX XXXX COMPANIES I XXXX XXXX company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX COMPANIES I XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cascade Collections, Inc.
State: OR

Complaint narrative:
Cascade Collections in XXXX, Oregon state in written form ( XX/XX/XXXX ) that a debt of {$820.00} was owed and that if I didnt pay or respond by XX/XX/XXXX that I may be taken to small claims court.

The actual amount owed was {$660.00}. Collection agency stated above, lied about the amount owed. Ive paid the debt in the amount Cascade Collection falsely claimed I owed under the assumption that I may be taken to court otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I submitted a complaint through CFPB last month regarding a late payment listed on my credit report. I received a response from capital one that their records show that there are NO late payments on my account ( see attachment ). 

However, on my report, you can see that XXXX is showing a 30 day late payment on my record. ( Also attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX LVNVFUNDG XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, 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:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the metro 2 compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to metro 2 compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FISERV FINXACT CORE
State: OR

Complaint narrative:
My wife and I are seniors in our mid 70 's. On XX/XX/2021 we received a letter from a TRS Recovery Services purporting to be a collection agency asking us to pay {$110.00} for a debt they stated that they purchased from XXXX stores for grocery purchases that XXXX said we made at a XXXX store months prior in XXXX XX/XX/XXXX. They said a check was written by us but for no given reason was never cashed and that we still owed that sum. They quoted our check # XXXX in their rudely written demand. We immediately called our bank, " XXXX '', and found that we, earlier in the year, had used that check number. It was written to our local XXXX store for the amount of {$340.00}. XXXX fraud department sent us a copy of the check which XXXX had cashed the very next day. We have had no missing checks nor any incorrect statements from " XXXX '' for the 12 months prior to the TRS demand for payment. We immediately sent a certified letter to the TRS address attached to their invoice along with a copy of the cashed check written to XXXX. We said they were mistaken and we did not owe them or XXXX anything . We also attempted to call them and/or e-mail them at their listed street address in Georgia and their e-mail address from their original letter without success. Internet research has revealed many complaints about them from other unfortunates who have been made to deal with them. For the last three months we have had several phone demand for payment calls from them, only the first one have we answered. We have had additional requests in writing to pay them as well. To date they have not acknowledged our proof that the check they are quoting was written and cashed by another company nor do we know how they were able to quote one of our actual used check numbers. They stated in one letter to us that if we wished them to investigate their debt claim they would need additional personal information from us, as in Social Security numbers, photos of our Driver 's License front and back, police report, etc. These we would never provide to anyone. Our local overworked and undermanned police department of which our XX/XX/XXXX is an officer does not have time these difficult days to do police reports for every attempt at e-mail fraud that occurs against seniors. We and many others need assistance so that the threats these people make to disrupt our credit ratings can not so easily be accomplished!

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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Commonwealth Financial Systems, Inc.
State: VA

Complaint narrative:
NOTICE be it to all, in Fact, I Am a consumer pursuant 15 usc 1681 ( a ) ( 4 ). Fact, as such consumer, I have a right to privacy. Fact, I have NEVER signed a contract or PROMISSORY NOTE with COMMONWEALTH FINANCIAL. I believe them to be a 3rd party debt collector. Therefor I demand to see a purchase receipt giving them legal jurisdiction to collect ANY & ALL alleged debts they may claim I owe past present & future. Fact, pursuant 18 usc 8 ALL certificates of indebtedness and BILLS are the obligation of the United States CORPORATION. I have NEVER given my WRITTEN or ORAL consent for these items to be furnished on my consumer report, which is a violation of 15 usc 1681b. I DEMAND these items be removed from my consumer reports or PAY me {$6700.00} for every minute these items have been reported on my consumer reports. All violations are punishable of up to {$1000.00} per violation pursuant 15 usc 1640 & 15 usc 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: IL

Complaint narrative:
MRS Associates continues to re-insert a spectrum bill of {$310.00} onto my credit report after having been removed multiple times due to no supporting information that I owe this debt. I am not aware of and do not owe this debt

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America on XX/XX/2021 fraudulently submitted a hard inquiry on to my transunion credit file. I called the number on the inquiry because I was not contacted. They told me that was Merrill lynch and they dont see an application. I have extended fraud alerts already and I was not contacted. I did not apply for credit with their institution and I most definitely did not apply for credit. This inquiry is fraudulent, even their credit card department could not locate an application matching my information.

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 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete these items right away. I am not happy with seeing derogatory marks on my report it isn't fair to me when I didn't make any of the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
I initiated a complaint about transworld purchasing a debt from XXXX XXXX Complaint ID : XXXX I still havent received the account validated Debt letter with ledger in the postal mail. They began calling non stop after I asked them to stop calling. I told them I would take care of the full the tradeline is deleted. If not, I will settle the debt for 60 % of the total if it must remain on my reports, I can wait out the 7 years until its not eligible to be reported in my credit any longer or I can add it to my current bankruptcy claim to never be paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/2021 I sent dispute letters to Equifax and XXXX about a bankruptcy listed on my personal credit report with several errors. They both came back as verified and accurate so I sent the information to the Bankruptcy court to get the issues fixed. However I was given a letter directly from the court staying they do not give any information for credit agencies good or bad. They do not report to any Credit agencies. So this means this information wasn't verified like they said it was.

Company response to consumer: Closed with explanation