vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against American Express regarding a series of failures and unfair practices related to the handling of my account, specifically for the cards ending in XXXX, XXXX, and XXXX. 

On XX/XX/XXXX, I entered into an agreement with the American Express legal team to settle the outstanding balances on my cards. It was understood that payment would commence once I received a written agreement that outlined the terms and amount of payment to be made. Despite numerous follow-up calls on recorded lines, I never received this written agreement. 

In good faith, on XX/XX/XXXX, I provided American Express with my banking information, including account and routing numbers, to facilitate ACH withdrawals for the agreed-upon payments. Additionally, it was agreed during that phone call that American Express would cease all legal action for collection and would set up a payment schedule. I also provided my cell phone number, and it was explicitly agreed that, should any issues arise with the payments, American Express would contact me directly via my cell phone.

However, despite these agreements, American Express failed to initiate the agreed-upon payment on the scheduled date in XX/XX/XXXX, and they did not contact me to address any issues with the payment. Instead, they resumed legal action to collect the balance. When I contacted American Express on XX/XX/XXXX, I was told that no ACH setup had been made, despite the first payment being successfully processed via ACH on XX/XX/XXXX, and the fact that we had explicitly agreed they would contact me in the event of any issues. I again provided my banking information during this call to re-establish the ACH setup. 

On XX/XX/XXXX, I followed up again, only to be told that the ACH setup needed to be restarted from scratch. At no point was there clear communication or proper handling of the situation, and this has caused unnecessary confusion and distress.

In summary, American Express has failed to honor the terms of our agreement, has been incompetent in setting up the ACH payments as promised, and has resumed legal action in violation of the agreement made. Their failure to uphold their end of the agreement and their lack of communication constitute unfair business practices and have caused me significant frustration.

I respectfully request that the Consumer Financial Protection Bureau investigate American Expresss actions and practices regarding my account. I believe this matter involves a breach of contract and unfair treatment under applicable consumer protection laws.

Thank you for your attention to this matter. I look forward to your response and hope for a prompt resolution. 

Sincerely, XXXX XXXX [ Account Numbers Ending in XXXX, XXXX, XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XXXX if 2025 I had repairs done on my vehicle and was offered a Synchrony Car Credit to use a promotional credit card for car repairs. I accepted the no interest offer and was advised no interest for a year. During that time- a month after I had several instances of fraud with the card that I had to resolve mostly on my own with an absurd amount of follow up. I finally had it resolved and now in XX/XX/year>2025 the balance is almost paid off, I had {$210.00} left to pay and I was charged {$300.00} in interest that same month. I called to inquire why and was told I was charged interest on the initial cost of the car repairs. The credit card states that it was because the full balance was not paid off. This small detail was never disclosed nor was any communication sent to me that this would happen in the next billing cycle.

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 2025-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to dispute the presence of the hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I been paying for my credit report and its showing no credit history on my account. Then on other websites I have a credit score.

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I been paying for my credit report and its showing no credit history on my account. Then on other websites I have a credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit management is inaccurately reporting a debt on my credit report for an account ending # XXXX internal legal account # XXXX. I have attempted to resolve this matter directly with MCM on three separate occasions by requesting full validation of the debt, but they have failed to provide the necessary documentation. All was sent was a few statements from creditor.

Attached is the 3rd letter sent requesting the documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I am writing to file a formal complaint against Experian and XXXX regarding their mishandling of my credit dispute. Despite my efforts to resolve this matter, Experian and XXXX has failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to investigate disputed information and correct or delete inaccuracies. The account in question is : Creditor Name : XXXX XXXX  Account Number : XXXX Creditor Name : XXXX XXXX Account Number : XXXX Experian and XXXX has claimed to investigate and validate this account. However : They did not provide the required method of verification as mandated by FCRA.

The same account is reported differently by both Experian and XXXX, highlighting discrepancies in the accuracy of both reports.

They failed to remove the inaccurate collection account, despite evidence provided.

This lack of compliance is particularly concerning in light of the CFPBs recent lawsuit against Experian for conducting inadequate investigations and failing to remove unverifiable information.

I request that the CFPB investigate Experian and XXXXXXXX XXXX handling of this dispute. Specifically, I ask that they both : Provide the method and details of their investigation and how they verified the account.

Remove the erroneous collection account from my credit report if they can not substantiate their claims of accuracy.

Thank you for your attention to this matter. I look forward to your response and resolution of this 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 explanation
Consumer complaint received 2025-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filling a complaint against Cash App ( Block Inc ) due to inadequate customer services and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on thier platform, leaving my account vulnerable and unprotected. Furthermore more the dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused me significant inconvenience and financial loss amd I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: Upstart Holdings, Inc.
State: CA

Complaint narrative:
I am writing to formally dispute an account that I believe to be fraudulent. After reviewing my financial statements, I noticed charges on my [ credit card/debit card/banking ] account that I did not authorize. I am concerned that my personal and financial information may have been compromised. I request that you investigate this matter immediately and take the appropriate action to reverse any fraudulent charges. Additionally, please ensure that my account is secured moving forward. Please let me know if any further information or documentation is required to support my claim. I would appreciate your prompt response and resolution of this issue. Thank you for your attention to this matter. I look forward to your swift resolution of this dispute. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''. 

Charged off : XXXX - XXXX Account balance : {$7300.00} Date opened : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: NY

Complaint narrative:
I recently reviewed my credit report and notice that I have fraudulent activity

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX XXXX XXXX Re : Formal Complaint Regarding Dispute Resolution with Experian Dear XXXX, I am writing to formally lodge a complaint against Experian regarding my unresolved dispute concerning inaccurate personal information on my credit report. Despite my diligent efforts to resolve this matter, Experian has not addressed the issues I raised in my dispute. 

On XX/XX/year>, I mailed a notarized and certified letter to Experian, requesting that they update/remove inaccurate information from my credit report that was delivered on XX/XX/year>. I included accurate documentation, including a current utility bill and my drivers license, as proof of my identity and to support my claim. This letter was sent in good faith, expecting that the necessary updates would be made in accordance with the guidelines provided by the Fair Credit Reporting Act. 

However, my dispute remains unresolved. On XX/XX/year>, at approximately XXXX XXXX, I called Experian to inquire about the status of my dispute. Unfortunately, the outcome of the call did not meet my expectations, as the representative could not provide a satisfactory resolution or confirm that the necessary updates would be made. I am extremely disappointed with the lack of progress and clarity regarding this matter. 

I am requesting that the CFPB intervene on my behalf to ensure that Experian investigates and resolves my dispute in a timely and accurate manner. I expect that Experian will update my credit report to reflect the correct and verified information as soon as possible. 

Please let me know if you require any further details or documentation from me to assist with your investigation. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

Sincerely, 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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I am writing to formally dispute a late payment that has been reported on my credit file. After reviewing my credit report, I noticed an inaccurate late payment listed on my account that I believe is incorrect. I have reviewed my payment records and I believe this reported late payment is an error. I request that you investigate this matter and, if found to be an error, promptly remove the late payment from my credit report. Please let me know if you need any additional documentation or information to support my claim. Thank you for your immediate attention to this matter, and I look forward to your timely response. 

Account with late payment : SMS Financial , LLC - 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 2025-01-29 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-29 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: LEXISNEXIS
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I XXXX XXXX XXXX XXXX XXXX certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: CA

Complaint narrative:
Date : XX/XX/year> Subject : Complaint Against TransUnion for Incorrect Credit Reporting and Violation of Consumer Rights To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ) : I am writing to formally lodge a complaint against TransUnion regarding their handling of my credit report and the reporting of incorrect information that has adversely affected my credit score and overall livelihood. 

Background Information : I have recently discovered that my credit report contains multiple hard inquiries that were made without my consent due to identity theft. Despite providing evidence of this identity theft, TransUnion has informed me that they can not remove these hard inquiries until they contact the inquirers for verification. This process has not only been confusing but also misleading, as it seems to be an unnecessary hurdle that is preventing me from rectifying my credit report.

Issues Faced : Incorrect Hard Inquiries : The hard inquiries listed on my credit report are a result of identity theft. I have taken steps to dispute these inquiries with TransUnion ; however, they have failed to act promptly or effectively. 

Misleading Information : TransUnions communication regarding the removal of these inquiries has been unclear and contradictory. They have indicated that I must wait for them to verify with the inquirers before any action can be taken, which is not only frustrating but also feels like a violation of my rights as a consumer.

Impact on Credit Score : The presence of t
hese unauthorized hard inquiries has significantly lowered my credit score, which directly impacts my ability to secure loans and other financial products necessary for my livelihood.

Violation of Consumer Rights : I believe that TransUnions practices in this matter violate consumer protection laws designed to safeguard individuals from fraudulent activities and ensure accurate reporting. 


Additionally, I would appreciate guidance on how I can further protect myself against identity theft and ensure that such inaccuracies do not continue to hinder my financial stability. 

Thank you for your attention to this serious matter. I look forward to your prompt response. 

Sincerely,

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 2025-01-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXX - {$0.00} XXXX XXXX - XXXX - {$3900.00} XXXX XXXX XXXX XXXX XXXX - {$170.00} XXXX XXXX XXXX XXXX - {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and highly suspicious. Despite my repeated efforts to have these inaccuracies investigated and resolved, no meaningful action has been taken. I have provided all the necessary documentation and followed up several times, yet the errors persist. This prolonged inaction has not only caused unnecessary financial strain but has also significantly impacted my overall well-being. The mental and emotional stress from dealing with these unresolved inaccuracies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the right to have unverifiable and incorrect information promptly removed. I urge you to take immediate steps to verify and rectify these items, as failure to do so violates my rights under federal law.

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 2025-01-29 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: GA

Complaint narrative:
XXXX XXXX Wells Fargo Debit Card Dispute $ XXXX I have had a horrible experience with XXXX XXXX XXXX XXXX as I have never received items from XXXX XXXX were sent to me as the packages were empty upon arrival, which I filed a police report and other XXXX XXXX XXXX XXXX were totally incorrect and when I mailed them back to the sellers they never issued my refund ; which I have all of the shipping labels sent that XXXX approved the returns. XXXX claims they can't help me because they are 3rd Party items and it is at the seller 's discretion which is not responding to myself or XXXX, I have disputed the charges with Wells Fargo bank and they are denying my claim despite all of my hard-core evidence including police emails, police voicemails and proof of shipping labels. I need legal help in terms of consumer protection from WellsFargo for the $ XXXX. I am aware that this is a consumer and rights issue in terms of law, so I would like to hire you if you can assist me because if a merchant like XXXX never sends you items you purchased with your debit card, your primary protection is the ability to file a " chargeback '' with your bank. Please let me know if you can assist me because Wells Fargo has failed to do their due diligence and is simply being lazy and denying 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 2025-01-29 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: CBC Companies, Inc.
State: FL

Complaint narrative:
I have previously disputed with XXXX, XXXX and XXXX regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports are badly hurting my credibility. I & # 39 ; m certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-29 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: MD

Complaint narrative:
Kindly remove these fraudulent accounts from my credit report, as I did not authorize their creation and was not aware of their presence. Under XXXX XXXX, I request their removal within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation