vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
[ If this section has lost its formatting, please see the file " XXXX. Amex - XXXX to XXXX '' ] American Express has acquiesced, 3 times to : XXXX. Violation of US Code 1601 ( transparency with credit transactions ) XXXX. Consumer fraud, XXXX. Contract fraud, XXXX. XXXX fraud, and XXXX Credit card fraud Here is the context : I sent XXXX letters to the American Express XXXX XXXX requesting transparency with my credit transactions. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX His XXXX assistant XXXX XXXX responded to my request for transparency by assuring me Amex complies with all regulatory agencies and I must pay my bills as per the Cardmember Agreement. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX assistant XXXX XXXX XXXX responded to XXXX XXXX letter by asking them to respond via affidavit, under penalty of perjury, to each of my questions. I offered 21 days from the date of receipt to respond, making it clear failure to respond is acquiescence to those XXXX things listed above. I also offered the opportunity to request an extension, should they need it. 

I received no response. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX I sent XXXX XXXX, XXXX a similar letter with identical questions, as well as a copy of my letter to XXXX XXXX. I extended him the same 21 days from the date of receipt to respond via affidavit under penalty of perjury. I made it clear that failure to respond is acquiescence to those XXXX things listed above. I also offered him the opportunity to request an extension, should he need it. 

I received no response. 

Letter # XXXX : Mailed XX/XX/2023 to XXXX XXXX, XXXX I sent XXXX XXXX, XXXX a copy of my previous letter, as well as another copy of my letter to XXXX XXXX. This time, I extended him XXXX business days to respond via affidavit, under penalty of perjury. I made it clear that a lack of response would be construed as XXXX XXXX time acquiescing to the XXXX things listed above. 

XXXX XXXX, XXXX response : I received a letter from XXXX XXXX XXXX, XXXX XXXX, dated XX/XX/2023. His letter simply stated Amex complies with all regulatory agencies and that I must pay my bills on time as per the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: WI

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-07-07 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

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 2023-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ACIMA CREDIT, LLC
State: AZ

Complaint narrative:
Sent a Debt Validation letter on XX/XX/2023 Acima received it on XX/XX/2023 via certified mail at XXXX I contacted them on XX/XX/2023 at XXXX to explain that I have not heard a response back from them and under the FDCPA if no response was received it must be deleted. Acima stated they have not received anything as I have everything tracked.The address on XXXX is the address I sent it to where is says contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX if this is incorrect then they are reporting incorrect information which then the account must be deleted. Refused to remove it off my counsumer report and is still commiting the following FCDPA Violations : 805 : Harrasment and abuse 807 : False or misleading representations 808 : Unfair Practices 809 : Validation of Debt. Unfair practices is being used in this 30 day no response letter from them then them saying they did not receive anything as I have all evidence and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
On XX/XX/2023, I placed an online order from XXXX to purchase a XXXX XXXX XXXX in the amount of {$260.00}. I used a credit line or " Pay in 4 '' payment plan offered by Paypal to pay for the watch. The installment plan called for 4 payments of {$66.00} each paid approximately every 2 weeks. 

On XX/XX/2023, I received an empty box delivered via XXXX. There was no watch inside. It was obvious the box had been tampered with. I immediately contacted the XXXX XXXX XXXX XXXX XXXX Department and within XXXX minutes a deputy was dispatched to my house. XXXX XXXX confirmed the box was empty and had been tampered with. I was assigned XXXX # XXXX. 

I then filed complaints with both XXXX and PayPal. XXXX promised me a replacement watch that I could pick up on XX/XX/2023, at the local XXXX store closest to me. On XX/XX/2023, I received an email from XXXX the watch was unavailable for pick up and they were doing their best to locate a watch for me but if unable, they would cancel the order on XX/XX/2023. Because of this, I completely cancelled the order and requested a full refund. 

Since that time, I have been verbally promised on multiple occasions by both XXXX and PayPal to received a full refund with the most recent on XX/XX/2023. However, that is not the case as PayPal continues to debit my checking account with the most recent charge on XX/XX/2023.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07 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: TX

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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX Adjusters 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account 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 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 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 2023-07-07 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: EQUIFAX, INC.
State: TX

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. 

XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : # XXXX XXXX Account XXXX : # XXXX XXXX Account 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 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 explanation
Consumer complaint received 2023-07-07 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: FL

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please update the following accounts completely from my credit reports. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and 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 non-monetary relief
Consumer complaint received 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX Account # XXXX However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly.

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

15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX  Account # XXXX THE BUREAUS WROTE ME BACK AND TOLD ME THEY ARE NOT REPORTING THIS ACCOUNT ON MY FILE WHICH IS A LIE!!!!! I WILL SUE IF ITS NOT REMOVED These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY. 

Also they aren't in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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 — Overcharged for something you did purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2023, I made a purchase for an airline ticket. I then saw a charge to my card in the amount of {$240.00} that I did not authorize as that was not the cost of the ticket. I immediately reached out via chat as that is the only option. I was advised that it would be escalated for a refund as the agent could not tell what the charge was from. I waited XXXX weeks and then contacted the credit card company to ask them if there had been any credits and they advised me that there had not been any. I chatted again with Frontier and they left me waiting for an agent and had no response. I reached out via XXXX and never got a reply. Today on XX/XX/2023, I received a notice in the mail from XXXX XXXX that they concluded their investigation and have received enough information and I was responsible for the charges. They sent over XXXX pages showing the flight itinerary, however, there is no breakdown of anything as that was not the flight cost. There are no flights that cost that much for that destination. I can not afford to pay for something that I do not have and did not do. I need help resolving this as no one seems willing to help me. Frontier practices are unfair. They are nonresponsive and should not be allowed to overcharge for things or take money from people without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: VA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

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 2023-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have called Equifax several times. When I log into my ( myequifax.com ) account, it shows an error " XXXX '' and asks me to call customer service. Well I have done this so many times with XXXX resolution. When I log into my account, it shows XXXX information. XXXX accounts at all. I have over XXXX creditors that report to my credit files for years now, and Equifax is refusing to fix this error and it's been 90 days now. The errors has apparrently been going on since XXXX of 2023. This is violating my consumer rights to view my credit reporting information and my Fico score. No one else can view my Equifax info either. It is keeping me from getting loans. This has severely violated my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report 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 2023-07-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Island Finance Puerto Rico
State: PR

Complaint narrative:
I consolidated all my loan with XXXX XXXX XXXX and I told them that I did so and that the company will contact them to reach an agreement, but they continue to send latter all the time. I offered to give them the phone number of XXXX XXXX XXXX but they refused to accept it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Harrison Financial Group
State: FL

Complaint narrative:
To whom it may concern, On XX/XX/XXXX, I discovered that two of my checking accounts were restrained, at the request of Harrison Financial Group, for the amount of {$15000.00} each ( for a total of {$31000.00} ) based on a Default Judgement of {$8700.00} issued in XXXX XXXX, XXXX. On XX/XX/XXXX, I submitted the Exempt Funds forms to the two banks in question ( XXXX XXXX  and XXXX XXXX ), requesting that the funds be released while I obtained legal counsel. While awaiting a hearing pursuant to a Order to Show Cause, we were informed by the plaintiff 's counsel on XX/XX/XXXX that the funds were garnished on XX/XX/XXXX from the XXXX XXXX checking accounts to satisfy the satisfy the judgement. A Satisfaction of Judgement was provided to me by the plaintiff 's counsel. I submitted a request, accompanied by the Satisfaction, to the two banks to have the remaining restrained funds released on XX/XX/XXXX and again on XX/XX/XXXX. As of XX/XX/XXXX, the funds have not yet been released nor have I received a reply other than to instruct me that the Release has to be sent by the XXXX 's attorney. The Plaintiff 's attorney ( XXXX XXXX, Harrison Financial Group ), was notified as well on those dates and has not followed through with submitting the requested documents to the two institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I was paid by the company I work for through an invoice I sent them through PayPal. PayPal will not release The money that was sent to me. This is my salary and I can not pay rent or eat without this money. 

They keep giving me misleading information, and telling me the money will be released and now they are telling me I have to wait 21 days. My paycheck was sent XX/XX/23.

Company response to consumer: Closed with non-monetary relief