vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-26 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: UT

Complaint narrative:
I have an American Express XXXX XXXX card. I pay ~ {$800.00} per year in membership fees for this card. As a part of my membership, I am supposed to receive a companion airline ticket in the month I renew the card each year as benefit of my membership as a cardholder. 

I renewed my card in early XX/XX/2024 and paid the membership fee. Since then, American Express has not followed their policy or commitment to provide a companion pass to me. I have called several times to ask when it will be resolved. Each time I call, they say they are working on the issue, which has effected more customers than just me. They will officially be XXXX months late on fulfilling benefit of the companion pass to me next week ( as XXXX begins ). Each time I call, they can not provide a date when the issue will be resolved. 

My concerns are they are not honoring their policy and commitment to me regarding the companion pass ; they do not have a timeline to resolve it, and they keep blowing me off when I ask for a resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am writing to formally request validation of the debt referenced above under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not recognize this debt, and before taking any further action, I request that you provide the following information : 1. The name and address of the original creditor.

2. The original account number.

3. An itemized statement of the debt, including any interest, fees, or other charges.

4. Verification that you are authorized to collect this debt.

5. Proof that I am legally obligated to pay the alleged debt.

Please treat this letter as a dispute of the validity of the debt. I request that any further collection activities be suspended until the debt is properly validated.

Additionally, I request that you cease all communication with me, except to provide the requested validation. If this debt is not validated within 30 days, I expect you to cease any further collection efforts and remove any reference to this debt from my credit report. Furthermore, this collection company is attempting to collect a debt for the incorrect amount. On the XXXX and XXXX reports it shows that the correct amount is {$230.00} but the letter directly from the collection agency shows {$240.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: FL

Complaint narrative:
*** THIS IS NOT A DUPLICATE COMPLAINT!!! THIS IS A DIFFERENT MATTER from XXXX!!!! 

To : Discover Financial Services-Date of inquiry : XX/XX/XXXX Attn : CFO XXXX READS WAY XXXX XXXX XXXX XXXXXXXX NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to XXXX XXXX. XXXX. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability. 

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with Discover Financial Services. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with Discover Financial Services for review or collection. 

Pursuant to XXXX XXXX. XXXX ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX, imprisoned for not more than 2 years, or both. 

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA XXXX ( a ) ( XXXX ) ( B ) [ XXXX U.S.C. XXXX ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within XXXX ( XXXX ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. 

Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( FCRA ). XXXX : XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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:
My account with Experian was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Experian Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports

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 2024-09-26 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: GA

Complaint narrative:
This account was charged off on the following date ( XX/XX/year> ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should*NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
-- - XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Removal of Personal Information under Metro 2 Compliance Dear Sir/Madam, I am writing to formally request the removal of inaccurate or outdated personal information from my credit report in accordance with Metro 2 compliance standards and the Fair Credit Reporting Act ( FCRA ). 

The personal information that I wish to be removed includes : 1. **Phone Numbers** : ( XXXX ) XXXX, ( XXXX ) XXXX & ANY OTHER PHONE NUMBER LISTED ( REMOVE FROM REPORT ) THE ONLY NUMBER THAT SHOULD BE REPORTING IS ( XXXX ) XXXX ( KEEP ON REPORT ) THE ONLY ADDRESSES THAT SHOULD BE ON MY REPORT ARE : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( KEEP ON REPORT ) ANY OTHER ADDRESSES THAT DONT MATCH THESE 3 ABOVE NEED TO BE REMOVED IMMEDIATELY, THEY ARE NOT MINE.

As per Metro 2 guidelines, I request that you verify and update my credit report to ensure it only contains accurate and current information. Please send me written confirmation once these corrections have been made. 

I have attached copies of the following documents to support my request : Government Issued ID, Copy of SSN Card, Paystub, Water Bill, & FTC Report Please complete this request within 30 days as required by law. If you need further information, feel free to contact me at ( XXXX ) XXXX or via email at XXXX Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX -SSN : XXXX -DL : XXXX -Issued : XX/XX/XXXX -Expires : XX/XX/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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to formally request the deletion of specific information from my credit report due to ongoing issues related to a data breach and identity theft. These matters have significantly impacted my life, and while I can not disclose all the details due to their private nature, I want to emphasize that I am a victim of identity theft. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681 ), I request that the following items be deleted from my credit report. I understand that Equifax, XXXX and XXXX is required to take action within XXXX days of this request. 

[ XXXX XXXX Bank XXXX XXXX Bank XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. ] Thank you for your prompt attention to this matter. I look forward to your confirmation of the deletions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Recently I saw a late payment on my credit report from your company that I do not recognize. According to the FCRA transactions such as payments are not supposed to show on a consumer credit report. I know that this is a billing error, and I just would like for it to be corrected.

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 2024-09-26 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: IN

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/year> SSN : XXXX The CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the credit reporting agency, block information from appearing on my consumer credit report that is that result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loan or loans, credit cards, and other accounts from XXXX XXXX XXXX with a balance of {$14000.00}, XXXX XXXX XXXX with a balance of {$34000.00}, XXXX XXXX XXXX with a balance of {$16000.00}, XXXX XXXX XXXX ( inquiry )XXXX XXXX XXXX ( Inquiry ), XXXX XXXX XXXX XXXX XXXX ), and XXXX  ( inquiry ). 
These accounts have resulted in serval hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being mentioned by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of the FTC identity theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2024-09-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I HAD NO NOTIFCATION OF ANY LATE PAYMENT.I 'M UNAWARE OF ANY LATE OR DILINQUENT PAYMENTS ON THAT ACCOUNT. I DIDN'T HAVE ANY OPPORTUNITY TO DISPUTE THIS INFORMATION.IF IN FACT I WOULD LIKE TO SEE ANY PROPER NOTIFICATION OR CERTIFIED RECORD WITH MY NAME REGARDING THIS FALSE REPORT. MY RIGHTS HAVE BEEN VIOLATED AND I NEED THIS TO BE REMOVED FROM ANY AND ALL CREDIT REPORTS ASAP. THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have repeatedly submitted complaints and have gotten nowhere, XXXX XXXX XXXX keeps saying my email address is incorrect when I have stated to them numerous times my physical address was incorrect so their notifications that they said they mailed informing me that my account would be put in collections were never received. They have sent this incorrect information to these complaints numerous times and you at the CFPB have missed the point. I was not given any notification as they stated and want the chart off removed 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 2024-09-26 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: OH

Complaint narrative:
I have repeatedly submitted complaints and have gotten nowhere, XXXX XXXX XXXX keeps saying my email address is incorrect when I have stated to them numerous times my physical address was incorrect so their notifications that they said they mailed informing me that my account would be put in collections were never received. They have sent this incorrect information to these complaints numerous times and you at the CFPB have missed the point. I was not given any notification as they stated and want the chart off removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I am filing a complaint against OneMain Financial regarding their debt collection practices. I have requested that they cease all forms of communication with me, as their persistent contacts are causing significant stress XXXX XXXX. This communication does not constitute an acknowledgment of any debt. Under the Fair Debt Collection Practices Act ( FDCPA ) and applicable Florida law, I have the right to request that they stop contacting me. Their failure to comply with this request violates my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am extremely frustrated because I found unauthorized inquiries on my credit report this morning and have no idea why they are there. I checked my report like I always do, but this time there were discrepancies that appeared unexpectedly. I even refreshed the browser thinking it might be a glitch, but they still remained. I demand that the documents Ive submitted be thoroughly reviewed immediately so I can stop worrying about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
When I checked my credit report this morning, I was horrified to find incorrect accounts listed that weren't there before, and Im at a loss as to how this happened. I check my credit report often, and this was completely unexpected. I even tried refreshing the page, hoping it was just an error, but the wrong accounts still showed up. This has left me really upset, and I would appreciate it if you could carefully verify the documents I've sent to prevent this from happening again.

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 2024-09-26 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am asking for your assistance regarding this misleading account that appears on my credit report. I have raised this issue because it has harmed my reputation, and I need your help. Your poor management of my credit report has put me in a difficult position, as this false information has ruined my reputation. You must eliminate this incorrect data 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 non-monetary relief
Consumer complaint received 2024-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-26 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: EQUIFAX, INC.
State: CA

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.

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 2024-09-26 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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