vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Please note : Phone calls are not permitted in this legal matter. 

On or about XX/XX/XXXX a promissory note in the form of an application was given to CFO XXXX XXXX dba BREAD FINANCIAL HOLDINGS, INC and/or affiliates. 


Upon my research and investigation I have found out that my application and/or agreement were in fact exchanged for federal reserve notes at their local Federal Reserve Bank XXXX XXXX over the counter ( as I pay fees and interest on top of what they took from my estate ) and I was not given full disclosure at the time of paperwork being signed. I am privy to this information and now that I am ; I have a right to my securities that were taken from my estate. 


On XX/XX/XXXX I XXXX, XXXX on behalf of XXXX XXXX gave first notice XXXX XXXX XXXX XXXX that I accept all XXXX XXXX Rights, Interest and Equity owed to XXXX XXXX. Along with my tender/Allonge of payment ( entitled 'LETTER OF INSTRUCTIONS ' ) ; I also accepted and endorsed the negotiable instrument ( bill ) offered to me. 


I have given XXXX XXXX XXXX 5 business days ( per notice ) to respond in writing or to apply the principal 's balance to the principal 's account for setoff I was met with a notice from their organization saying that I sent XXXX XXXX XXXX a cease and desist ; where as you can clearly see in the notices you have ( same notices XXXX XXXX has ) it says to contact me in writing. NOT to cease and desist contact. 


Since then I have sent out 3 notices ( 3 tiers ) totaling 30 days. These notices are clear and concise of what I want them to do. I have performed and expressed myself according to the Federal Reserve Act Section 29 ; and now I am here to properly have XXXX XXXX XXXX and/or BREAD FINANCIAL assessed. 


They're in XXXX of XXXX for inferior performance of their fiduciary duties. At this point they're in the know of this breach and I would consider their actions to be scienter. 


The contract signed had no consideration on their part since they never loaned me any of their own money and/or assets ; instead they exchanged my promissory note ( Which had a cash value equal to the bank loan they Supposedly gave. ) Meaning, I loaned myself the credits they give me on the credit card and am being extorted for extra monthly payments and interest on top of what I have already gave them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2023-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: KS

Complaint narrative:
I wrote to Wakefield & Associates6 requesting validation of an alleged debt under 15 USC 1692, after learning that theyre reporting such to the credit bureaus. I sent the request certified mail, return receipt requested ( see letters, receipts attached ). They received my initial request and failed to respond in a timely manner. I sent them notice stating that their failure to respond was a violation of federal law and they had a duty to cease reporting of alleged debt. They continue reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
See Attached Dispute Docs detailing blatant consumer rights violations, The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. I am writing to request the immediate deletion of certain information that is being reported on my credit file, which is in violation of the Metro 2 Credit Reporting Guidelines. The inaccurately reported information is causing significant harm to my credit standing and financial well-being. Ive studied constitutional consumer protection laws extensively along with cIvil/federal court procedures such that of Dixon-Rollins v. 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
This issue is regarding Home Depot Credit Card website ( run by Citibank online ), on the payments section. When making payments, there are multiple options to select a precalculated payment amount. XXXX option is " Amount to Avoid Interest '', which it would seem to imply that if you pay this amount you won't be charged any interest. I have used this option multiple times to make a payment yet, I continued to be charged interest. As of XX/XX/2023 I've been charged over {$800.00} in interest XXXX, despite using this feature to avoid paying interest. 

I called customer service and they explained that this option only applies to " promotional balances '', but it doesn't include any revolving balances. However, there is no indication or disclaimer on the site that explains this particular detail, despite other options on this menu having " explainers ''. 

This option seems to be intentionally misleading to the customer because it doesn't indicate what would be a sufficient amount to actually avoid paying interest. Because even if XXXX, as a savvy customer, were to assume this amount referred to the promotional balance, if XXXX were to add the total amount of the revolving balance, that won't be sufficient to avoid the interest because this payment will likely be applied to the promotional balance, and the customer will be charged interest. XXXX will have to call another department so that they allocate that extra payment properly.

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 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I keep receiving calls from a company called portfolio recovery and every time I block their number, they just call from another one. I do not have any debt at all in my name except for my car loan which I have never been behind on, ever. I don't even know how this company got my phone number as it has been the same for several years but these calls have been going on for a couple of months.They don't even leave a message, I have to call back and get their pre recorded message to know who it is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I was going to lease a house and wired a security deposit and first/last month rent to XXXX XXXX XXXX XXXX XXXX Bank of America account to a Chase Account. 

I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XX/XX/XXXX. 

I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. 

Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XX/XX/XXXX and spoke to XXXX in the Check and Fraud Department and she told me that my case was closed and my funds were not recovered. 

Bank of America never sent me any notice or kept updated on the investigation. 

XXXX lost : {$11000.00} Claim Number : 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 2023-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
An unauthorized inquiry was done to obtain credit fraudulently. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings certifiably compliant in its reporting ( XXXX ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of known ownership of responsibility, inadequate timeliness, and or else wise indubitable in or of its validity unequivocally disclosed, as indicated! To Whom it may Concerns, I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data-furnishing reporter ( XXXX ). It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( XXXX ). Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I, therefore, am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have launched contesting of reporting privilege ( XXXX ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( XXXX ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum, the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field XXXX ( XXXX ) with redacted truncation. In mathematical reality, this makes it impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true. the following account is not accurate XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
A reservation was made for a hotel stay at XXXX XXXX in XXXX, NY on XX/XX/2023. Our American Express card was used to hold the reservation in the amount of {$1400.00}. We then cancelled the reservation the same day and received a cancellation email from XXXX XXXX. I then noticed the charge on the account days later and asked for it to be removed. American Express removed the charge, but then claimed that the vendor submitted a response so they reinstituted the charge. We called the vendor and they said it has been cancelled and we should have had the refund. I called Amex, but they would not tell me why. How do I get the refund for this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was able to open a checking account with Truist Bank. The account was immediately locked and flagged for " fraud ''. After speaking to a representative on the phone, I was told that I would not be able to close the account over the phone and would need to drive 400 miles to the nearest branch to close it. 

Account opened : XXXX XXXX deposited : {$50.00}

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 2023-05-31 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: IL

Complaint narrative:
I am deeply concerned and unsettled by the presence of public records on my credit report, especially considering that I have no knowledge or involvement with them. I implore you to take immediate action to remove these records and update my credit report accordingly.

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 2023-05-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
The accounts where opened not by me. Ive tried disputing them with XXXX XXXX and that didnt work. Company claims it was accurate when it wasnt. I would like to see a copy of the id that was used to open these accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Account XXXX XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. 
Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-05-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$670.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate.

Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-31 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-05-31 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hi I am XXXX XXXX submitting this without any influence and this is not a third party. 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. 

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 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.

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 2023-05-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I sent a dispute letter to Transunion for fraudulent inquires that appeared on my credit report. However, Transunion only removed 1 of the inquires. The rest are not authorized by me, and need to be removed off my credit report. 

I've attached the dispute letter and response I got from Transunion

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