vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
In XXXX of 2023 my credit report showing XXXX charge off credit cards that I never opened in my name totaling XXXX. I reported these amounts to XXXX, XXXX and XXXX immediately as fraud and also reported them to AMEX. AMEX stated that XXXX of the accounts was canceled then that the other account we received a card and used it and would not be considered fraud. Which I never authorized opening any accounts, nor did I sign for any, also I never used the stated card. Then I was summoned in the mail and legal action was taken against me when I never committed any of the debt. I have since found out that AMEX Lawyers have been talking to and negotiating in arbitration with the person who stole my identity. They have a phone number on the court website that isn't mine and are continuing to discuss this matter with someone who is not me. Since then we have contacted the XXXX XXXX department and initiated an investigation. AMEX has yet to drop the law suit despite there being debit and credit cards being taken out in my name and someone stealing my identity. The law suit documents show that a debit card was taken out in my name and the suspect in question has been submitting payments under my name, in addition to all of the fraud that has been accumulated. AMEX has continued to move forward with pressing charges against me despite my identity being stolen. I am unsure of the exact account numbers that are being used because I don't have access to anything regarding the accounts or the statements

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
All three credit bureaus are reporting a bankruptcy on my report. Please have them removed I didn't authorize anyone to add this to my report I spoke with the bankruptcy court & they stated they didn't release my information so it was obtained fraudulently.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX - Account 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 2024-03-06 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: Synovus Bank
State: TX

Complaint narrative:
I recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with First Progress Card, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to XXXX, XXXX, and XXXX. 

First Progress has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from XXXX, XXXX, and XXXX the open date is still showing XX/XX/XXXX and XXXX.Since you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: TX

Complaint narrative:
On XX/XX/2024, I wrote to you requesting an investigation into items that I believed were falsely reporting. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I respectfully request to be provided proof of these alleged late payments, and payment history. Per my records I have always paid these accounts on time and never paid late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
This letter serves as a formal notice of dispute THE DENIAL of my extention of credit due to my XXXX score which is discrimination and against XXXX XXXX  IM EXERCISING MY RIGHT TO rescind the consumer credit transaction I entered on XX/XX/year> for an open ended line of credit involving the acquisition of the platinum credit card Grounds for Rescission : My right to rescind this transaction is based on the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1635 ( a ). This section grants borrowers like myself the right to rescind within the earlier of : Midnight of the third business day following the consummation of the transaction ; or Delivery of the required TILA disclosures and rescission forms.

Failure to Provide Required Disclosures : I have not received all the disclosures mandated by TILA. Notably, I am missing the following : A clear and conspicuous disclosure of my right to rescind the transaction.

A copy of the Truth in Lending Disclosure Statement.

A copy of the rescission form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: IL

Complaint narrative:
CFPB-15 U.S. Code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******

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 2024-03-06 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On today XX/XX/2024 I received a letter dated XXXX in removal of representation in which is nothing but a lying scam from Wells Fargo. First they scammed me out of {$3000.00} with this 3 month XXXX Mortgage in which they stated afterwards I will be paying the regular loan modification rate. However this isnt the case despite me fulfilling all of their allegations. If they cant follow through with their obligations XXXX like a refund of the full {$3000.00} and for them to stop putting my residence in Foreclosure and to instruct their attorneys to stop their illegal activities of putting my house on the Sheriff Sale List. Despite their XXXX Department informing me that their Lawfirm was wrong for doing this.

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

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 2024-03-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Direct Portfolio Management, LLC
State: IN

Complaint narrative:
I took a desperate loan with XXXX XXXX, XXXX. Usury interest is charged. I made three payments. They now say I owe XXXX and the collection agency they sent the debt to, never contacted me, never left a message, never emailed me and made first contact with my brother on his personal cell. That is unacceptable. 
I have offered to pay {$1200.00} in two payments of {$600.00}. That's it. They've made interest already. They have not responded.

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 explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from my account.

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 2024-03-06 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: IL

Complaint narrative:
This inquiry is unauthorized and appears to be fraudulent ; I have no knowledge of these inquiries. Please take immediate action to address this issue. See the attached documents for reference.

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 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please remove these fraudulent accounts from my credit report as they do not belong to me and I was not aware of their existence. Under USC 1681g, I request that you delete these entries within 15 days. Attached are the documents supporting my claim.

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 2024-03-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Pnc bank is denying a lime of credit including saying I have no income I direct deposit XXXX a month. In to there bank. 
Asked them review then they said credit score was to lowe that changed the score report. The second time they said to meny accounts. The third time they said I have insufficient credit experience as of XXXX. 
I'm being discriminated against. I have a mortgage as a veteran XXXXXXXX XXXX And XXXX line of credit. Pnc is only allowing XXXX. 
They called me and told me to put some my money in a savings account later I did still no increase. They call my home leveing no message. When I do ask for increase my score drops some XXXX to XXXX points sometimes more They save received direct deposit from XXXX XXXXVA for XXXXXXXX years I've moved my social security to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet TransUnion, XXXX XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. TransUnion, XXXX, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211. Application For Award Original Information Overview with the Internal Revenue Service against ALL entitiesinvolved.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The following is the only name. address, date of birth, and employer that should be put on my report : Name : XXXXXXXX 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 2024-03-06 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: TX

Complaint narrative:
I recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with XXXX XXXX XXXX  under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to Transunion, XXXX, and XXXX. 

XXXX XXXX has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from Transunion, XXXX, and XXXX the open date is still showing XX/XX/XXXX and XXXXSince you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently disputed the accuracy of reporting on this account, and the results came back verified and updated despite the three credit bureaus reporting mismatched information regarding this account. 

Please be advised that this is a Notice of Direct Dispute with XXXX XXXX XXXX under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), regarding the accuracy of the information you have supplied to XXXX, XXXX, and Experian. 

XXXX XXXX has responded " According to our records, an account was opened XX/XX/XXXX pursuant to the received online application '' However, on my most recent credit report on XX/XX/XXXX from XXXX, XXXX, and Experian the open date is still showing XX/XX/XXXX and XXXX.Since you haven't corrected these errors in the previous requests for assistance on this account, the account was not investigated as thoroughly as it should have been. For this reason, I demand that the account be removed from my credit report. Please be advised that if you continue to report invalidated information on my credit report, this action may constitute fraud under federal and state laws. I won't hesitate to bring legal action against you for violation of the Fair Credit Reporting Act and violation of the Fair Debt Collection Practices Act, and defamation of character.

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 2024-03-06 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:
I have written to this credit bureau on XX/XX/22 requesting proof of how the debt was validated. I asked for the original signed contract. Accounting records and proof of how this debt was verified. The company stalled asking for Id and proof of address when the information was already sent to them. I do not recall signing a hipaa release for this company to release information. I asked for a copy of that as well. The company failed to provide proof of how this debt was verified only that it was violating my rights

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 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: IN

Complaint narrative:
XXXX XXXX reported to my credit prior to contacting me regarding the alleged debt. When I asked for verification they never provided the debt validation or any of the account information. There are many discrepancies and inconsistencies with how they are reporting the alleged debt on my file as well. 

I would like to see XXXX the communication occurred when the debt was purchased from " XXXX XXXX '' to XXXX XXXX and prior to being placed on my credit report. 

The account status is not consistent, Date Opened is not consistent, Closed date is nonexistent and last payment as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've completed the minimum spending requirements of my Chase XXXX XXXX card in XX/XX/year>. Until today, however, I still haven't received the 5 free night reward which was promised when I opened the card. I've contacted Chase at least three times and everytime they said they were going to investigate and I was instructed to talk to XXXX. I spoke to XXXX and XXXX confirmed there was no mismatch on their end so I was instructed to talk to Chase instead. As a result, I've been unable to use my free night awards and therefore has missed two ski trips this year.

Company response to consumer: Closed with explanation