vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
I was in the process of booking a flight through XXXX on Friday, XX/XX/XXXX. I saw a promo for an American Express XXXX card, and if approved, they stated I would be able to use the card immediately for the flight. I was approved right away and selected " use the new card '' option on XXXX 's website and I received an error message stating the transaction could not be processed. I reached out to AMEX today to see why it wouldnt allow me to use the card and they could not give me a reason why and offered to send me a card within two days. I approved this because I assumed I needed a new card, but was not told I would no longer be able to use the temporary card information provided originally. Now that they have sent out the replacement card, I am unable to make any purchases until that is received. Unfortunately, that has now resulted in me having to spend more on the flight. American Express could not give me a reason for not being able to use the card and told me nothing could be done ( agent name was XXXX ). This is a classic bait and switch situation and I feel AMEX needs to be held accountable for these shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-01 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: FL

Complaint narrative:
Requested signed documents made by me and any documentation regarding unauthorized credit card found in credit report for multiple XXXX XXXX  accounts ending in : XXXX, XXXX, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
on XX/XX/24 a letter was sent to transunion advising there was incorrect personal information reporting to my credit and they have yet to respond and correct the issue

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 2024-04-01 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC bank someone used my debit card for {$51.00} at XXXX XXXX XXXX XXXX well i lve in XXXX XXXX they did a investigation and lied about because there was another charge on there from the same place that refunded my but the {$51.00} the won't give me back I'm sick if them i want my {$51.00} back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is the 3rd time I am submitting this complaint through CFPB. The reason for this is because I opened a new case from wells fargo last week to look into refunding back my stolen money that happened on XX/XX/year> and the total money that was stolen from me is {$4500.00} which wells fargo would not acknowledge to give back to me. I have provided a lot of evidence to prove that all the transactions were illegally charged on my checking account without my authorization. I did all the necessary steps needed on my part to try to prevent this but still, wells fargo after multiple attempts to dispute the charges, are still not resolved. The new case that was re-opened on wells fargo was on XXXX XXXX ( last week tuesday ). I was informed that a case manager will be assigned to my new case that was opened within 24-48 hrs. It has now been close to a week since then, I keep on calling every single day since XXXX XXXX to check in for an update and talk to the case manager assigned to my case and each call, I was informed the exact same thing, " We will note down that you called and we will be sure to let the case manager assigned to you to give you a call back today or tomorrow ''. This same convo has been happening every single time that I called and still nobody is assigned to my case to handle it. I called the executive branch at wells fargo again today and I was still informed that there is a delay and somebody will reach out to me soon. I have been frustrated since I have to send a lot of time sensitive documents to them so they can further investigate my case and see about refunding me back my stolen money. This whole process has been time consuming, stressful and has impacted my life very negatively to know that my bank, who I have been with for more than 10 years with no issues, DOES NOT have my back when my checking account was compromised. I feel like there has been no real support from wells fargo and now here I am again going to CFPB to file this complaint so somebody from wells fargo will be assigned to me, rather than me waiting on wells fargo and try to call them everyday. I have attached all the documents needed for this case investigation so Wells fargo can further look into my case. 
I also attached a document outlining the complete timeline of the fraud charges incident and all the steps and actions I have taken to prove the illegal charges that happened on my checking 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 monetary relief
Consumer complaint received 2024-04-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I paid this account in full on XX/XX/year>. This account needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: VA

Complaint narrative:
I have carefully reviewed my credit report and identified instances where the payment history does not accurately reflect my financial transactions. Specifically, PAYMENT HISTORY. These inaccuracies are damaging my credit score and hindering my ability to access financial services and favorable interest rates.

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 2024-04-01 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: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: FL

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report. 

Please investigate these matters and remove the disputed items as soon as possible.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with ought my written instructions.

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 2024-04-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with ought my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: TX

Complaint narrative:
I am reaching out to address a concerning matter regarding the accuracy of my personal information within your records. Upon reviewing my account/profile, I have identified several instances of inaccurate information that require immediate attention. I am totally devastated because of this situation and I feel someone is paying on my credit profile. As maintaining accurate records is essential for both data integrity and privacy, I kindly request the prompt removal of these inaccuracies. Your cooperation in rectifying this issue would be greatly appreciated.

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 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/24 a letter was sent to equifax advising there was incorrect information reporting to my credit and they have yet to respond and correct the issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-01 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX HAS COMMITTED IDENTITY FRAUD! XXXX XXXX XXXX HAS ILLEGALLY AND FRAUDULENTLY ACCESSED MY PERSONAL INFORMATION FROM XXXX XXXX ( ACCOUNT XXXX ). XXXX XXXX XXXX  DID NOT RECEIVE DISCLOSURE FORMS FROM XXXX XXXX WITH MY CONSENT STATING THAT I GIVE PERMISSION TO SHARE MY PERSONAL INFORMATION. XXXX XXXX XXXX HAS VIOLATED MY RIGHTS BY COMMITTING IDENTITY FRAUD!!! ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. XXXX XXXX XXXX of XXXX XXXX XXXX. XXXX XXXX XXXX with respect to disclose personal Information. There are 3 disclosure forms that I have not received. 1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party. 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party. 3. The financial institution giving me an explanation how to exercise the non-disclosure options. 15 usc 6802 Disclosure of Institution Practice Policy

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Dear cfpb XXXX XXXX XXXX XXXX XXXX XXXX  : this account is listed as having been 60 days late, but I was never late. Send me the bank statement belonging to XXXX that shows when my payments were accepted into their bank account. Outside of this, it's nothing other than hearsay and is not legally verifiable. Therefore, this status and any late payments must be removed from the account or remove the account & there deleting the account but i need it done faster proof in pdf

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

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 2024-04-01 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account with ought my written instructions.

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 2024-04-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
CAPITAL ONE ( BREACH OF PRIVACY ) ACCOUNT XXXX ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. 
15 usc 6801 Protection of Non- Public Information CAPITAL ONE has violated my rights and failed to protect my information by sharing my personal information with 3rd parties without my consent.

15 usc 6802 Obligation with respect to disclose personal Information. There are 3 disclosure forms that I have not received.

1. Financial Institution making me aware that they will disclose my information to a non-affiliated 3rd party 2. Institution giving me the opportunity before information is initially disclosed to direct that the information not be disclosed to a 3rd party 3. The financial institution giving me an explanation how to exercise the non-disclosure options 15 usc 6802 Disclosure of Institution Practice Policy CAPITAL ONE did not clearly and conspicuously provide the disclosure forms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: VA

Complaint narrative:
I called to One Main Financial today cause on the letter I just noticed that there is a note " YOU BOUGHT OPTIONAL PRODUCTS THAT CAN BE CANCELED FOR A REFUND, you may cancel ... ... ... .. by calling ( XXXX ) XXXX ''. I called in the morning and the assistant told me that the balance ( principal + interest ) was {$1100.00} and my payoff balance as of today was {$740.00}. Since my husband and I are together in the loan and we needed to cancel together we have to call back together in the afternoon. The rep XXXX, explain that we have around {$420.00} refund and this balance will be applied to the balance ( balance+principal ) and it can not be applied to the payoff balance. Asked him what is the pay off balance as of today and he sd {$740.00}, but he refused to apply the refund to the pay off balance so we can pay the remaining and pay off today. Also, he wanted to extend the loan for one more year until XXXX and we can pay {$85.00} starting our next payment on XX/XX/2024. I had to insist that we don't want to change the regular payment so we can complete to pay this loan on XXXX. He also refused to send a check for the refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-01 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: KS

Complaint narrative:
I am sending this correspondence to address significant concerns regarding the accuracy of my credit report Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must delete immediately the account accounts listed below. 
Pursuant to the FCRA, a consumer report does not include any report containing information solely about transactions or experiences between the consumer and the person making the report. Any reporting of late payments or derogatory statuses is a direct violation of 15 USC 1681a ( d ) ( 1 ) as that information pertains to experiences any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct 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 non-monetary relief