vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: VA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year>XXXX  Notice to an agent is notice to the principal. 

Dear Discover, I appreciate your response to my concerns. However, your reply has failed to address the critical matter I raised. Specifically, I requested explicit proof that disclosures in compliance with 15 U.S.C. 1666b were mailed or delivered at least 21 days before the payment due date. This evidence could include, but is not limited to : A tracking number ; A receipt of delivery ; Any form of verifiable proof showing adherence to the statutory timeline. 

Your response instead emphasized other matters, such as my payment history, liability determinations, and reporting processes, without providing the requested evidence. This omission raises a significant question : Do you possess the proof that these disclosures were sent in compliance with federal law? 

Absent this proof, your claim of " accurate reporting '' becomes unfounded. Without verification, your refusal to correct the disputed late payments constitutes willful non-compliance with federal law, specifically under 15 U.S.C. 1681n. 

Once again, I am requesting the following : 1. Proof that the disclosures were mailed or delivered at least 21 days before the payment due date, as required by law ; 2. Immediate correction of the disputed late payments if such proof can not be furnished. 


Failure to provide the requested documentation within 10 calendar days will leave me with no choice but to escalate this matter legally. 

Please understand that this is not a matter of debate or interpretationit is a matter of compliance. Should you fail to furnish the requested proof, your continued reporting of these late payments will constitute reckless disregard for my rights under federal law, exposing DISCOVER to liability, including statutory damages, attorney 's fees, and other remedies provided by law. 

I expect your swift attention to this matter. Providing anything other than the explicitly requested proof will affirm that you can not validate your compliance. Please note that this will only strengthen my legal position and resolve to seek remedies. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Date of Birth : XXXX XXXX : XXXX Date : XX/XX/XXXX To : National Credit System , Inc . 
XXXX XXXX  XXXX XXXX XXXX, GA XXXX Subject : Formal Debt Validation Request for Account # XXXX Dear National Credit System, This letter serves as a formal request for validation of the alleged debt listed above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting detailed validation to substantiate this debt.

Required Validation Details To validate this debt, you must provide : 1. Proof of Debt Ownership : A copy of the original agreement or contract with XXXX at XXXX XXXX XXXX that shows my liability for this debt. 
Documentation of all charges, fees, and payments that contributed to the balance of {$130.00}. 
2. Proof of Legal Authorization : Evidence that National Credit System has the legal right to collect this debt, including the transfer or assignment agreement. 
3. Verification of Debt Timeliness : Confirmation that this debt is not time-barred under the applicable state statute of limitations. 

Cease Collection Activities Until the debt is fully validated : You are required to cease all collection activities, including reporting this debt to the credit bureaus. 
Continuing collection efforts without proper validation is a violation of 15 U.S.C. 1692e.

If you fail to validate this debt within 30 days, I will escalate this matter with complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Ive had enough. The accounts on my credit report that are still in pending litigation should not be there at all. I've reached out to you repeatedly, hoping this issue would be resolved, but each time, it feels like Im being ignored. Its extremely frustrating to deal with this error that's negatively affecting my credit score, especially when Ive done everything on my end to address it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
All this companies are reporting hard inquiries that I did not authorize or did I consent to it

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: W&A Intermediate Co., LLC
State: SC

Complaint narrative:
I requested to be allowed to validate the alleged debt including a breakdown of all charges, dates of service and procedures given. To my understanding, I have paid off more than what my XXXX  XXXX card charge off is showing and I do not have a current contract nor did I authorize this company to obtain my information, my rights to privacy was violated under FDCPA & FCRA. Law 15 U.S.C. clearly states that if a consumer notifies a debt collector that they refuse to pay a debt the debt collector must cease all communication. Also, Under HIPAA Law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties. I do not recall giving permission to WAKEFIELD & ASSOCIATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I woke up and used my card like usual. My account had money on it at least XXXX or so dollars. I went ahead and got myself some late XXXX XXXX  which brought it to around {$340.00}. I've been using it I went and purchased food with it that day and I've logged into it to check my balance, and everything in there was absolutely nothing wrong with my account. I haven't done anything on the account to go against any of the banks, policies, or anything like that I use the account as a normal account for every day purchases, as well as paying bills and eating and everything. I literally just use the account like a regular bank account. So that same day I was going to purchase something but I usually lock my card so I was going to go on the account and unlock the card so that I can use it, but then I see a message saying that my account is locked for security reasons. I have no idea why it would be locked because there hasn't been any fraudulent transactions or anything to my knowledge. So I called them the same day and they told me that basically my account was closed and that I would have to wait on a letter and wait 30 to 60 days to receive the remaining balance that was in my account. I didn't want to go back-and-forth because I asked multiple times why my account was closed and they kept giving me the XXXX  ANSWER, SAYING THAT IT WAS FOR SECURITY REASONS TO PROTECT ME. WHEN HOW ARE THEY'RE PROTECTING ME WHEN THEY'RE LITERALLY HOLDING MY MONEY FOR 30 TO 60 DAYS. Now it is XX/XX/XXXX and I received an email today saying that my account is- {$420.00} which is insane. How is my account negative when I literally haven't even been able to use it and it was supposed to be closed, so how are there still transactions being done on the account? I'm not able to get in my account to see where this is coming from. I have no idea what's going on and I just want my money back that was in the account when it was closed! I have bills! Cant wait 30-60 days!

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: King of Credit Financial, Inc
State: CA

Complaint narrative:
Camacho auto sales still shows on my credit both my social and ID was stolen. A car was purchased in my name. I reported it to the credit bureaus. They reported a fraud of my account and it was supposed to be taken off on all three bureaus. It was taken off on XXXX XXXX and XXXX it says close on my XXXX, but it still showing on my credit on my XXXX and its hurting my XXXX XXXX under excellent 605B this is wrongfully on my credit and I am asking for you guys to take it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing a complaint against the consumer reporting agencies Equifax and XXXX for violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 concerning permissible purposes for credit inquiries, as well as 17 CFR 424 related to promotional inquiries. I believe that Equifax, and XXXX have allowed promotional inquiries to be made on my credit file without my consent and in violation of the FCRA. Promotional inquiries refer to credit inquiries made by lenders or marketers to offer pre-approved credit or other services to consumers. These inquiries are only permissible under certain conditions, and I do not recall authorizing such inquiries. FCRA Section 1681b specifies that a consumer reporting agency may only disclose consumer information to a third party for specific permissible purposes. Promotional inquiries, which are often used by marketers, do not constitute a permissible purpose unless the consumer has opted in or authorized such use. 17 CFR 424 further provides that promotional inquiries may only be made if the consumer has consented or if the inquiry falls within a category of permissible purposes, such as a credit transaction or the evaluation of an offer for credit based on the consumer 's prior consent or participation.

All included companies have also violated my rights pursuant to the Privacy Act of 1974 ( 5 U.S.C. 552a ) which ensures that personal information is only used and disclosed for purposes that are authorized by law. The Privacy Act prohibits the disclosure of personal information without the consent of the individual, except under specific conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian regarding their handling of my credit report dispute. I believe Experian has failed to comply with the Fair Credit Reporting Act by conducting an inadequate investigation of my dispute and continuing to report unverifiable information. On XX/XX/XXXX, I submitted a dispute to Experian, online, regarding a debt reported by a Collection Agency ( XXXX XXXX XXXX ). I provided supporting documents, including a copy of the initial certified debt validation letter I sent to XXXX with Proof of delivery and a read receipt, showing the collection agency received it but did not respond. I also provided Experian with a copy of my follow-up certified letter to XXXX requesting them to remove this from my credit report, in-which they did not respond. 

Despite this, Experian initially responded to my dispute on the same day ( XX/XX/year>, stating that the debt was verified, with no changes made to my credit report. Concerned about the validity of this response, I contacted Experian on XX/XX/year>. During this call, I was informed that my supporting documents had been " overlooked '' and that my dispute would be reopened. The dispute was reopened and on XX/XX/year>, I received the results that the debt was again verified, with no changes. 

The Sequence of events raises significant concerns about Experian investigation process. By failing to review the supporting documents I submitted and initially verifying the debt without conducting a thorough investigation, I believe Experian has violated the FRCA 's requirement to perform a reasonable investigation into disputes. 

In addition, the continued reporting of this unverifiable debt has caused harm to my credit score, significantly limiting my access to credit and financial opportunities, like purchasing a house. I request the following actions to resolve this matter : 1. Immediate removal of the
inaccurate and unverifiable debt from my credit report.

2. A detailed explanation of the methods used by Experian to verify the debt.

3. Assurance that Experian will take corrective steps to ensure compliance with FCRA investigation standards in the future

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 2025-01-01 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
I have been dealing with issues due a job loss as well as being XXXX. My husband and I have been doing our level best to make payments. 

However, PennyMac presented a loan modification to us as a way to fix this but the reality is that the terms of the modification do nothing to help people who are still going through a hardship. 

The terms were an increased interest rate, which we did not consent to. PennyMac also extended our mortgage by 10 years and increased our mortgage by over {$300.00} a month. All of those things go against helping someone with a XXXX who is struggling. The period of hardship is about a year, so why are we being punished for things out of our control ( laid off and XXXX )? I could understand a temporary plan to get things current but not basically restarting our mortgage again after over 10 years of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am filing this complaint because American Express is failing to honor their " XXXX Liability '' policy for fraud. While I was traveling in XXXX, my card was stolen and used for unauthorized in-person transactions. I immediately reported the theft to American Express as soon as I noticed the fraudulent charges.

According to their fraud protection webpage ( American Express Fraud Protection ), they state : " If you see a charge you dont recognize or didnt make, well remove it from your account immediately after verifying it was unauthorized. '' Despite promptly reporting the theft, American Express conducted an investigation and concluded that I was responsible for the charges simply because they were made in person. This decision directly contradicts their advertised " XXXX Liability '' policy, which does not specify exclusions for in-person transactions. Their representatives have repeatedly informed me of the same decision without addressing the contradiction between their policy and their actions.

The charges in question are substantial and have caused me significant financial stress. I trusted American Express to protect me against fraud, as promised in their marketing materials, but they have failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an email with a credit card statement on XX/XX/XXXX and it stated my minimum payment due was {$4200.00} but my total balance on my credit card was {$6100.00}. I have always paid my minimum payments on time and they have never been more than {$200.00}. My minimum payment due was more than half of my balance. I called in to customer service and was told to wait until my {$800.00} payment was processed and that it would be fixed. Once that {$800.00} processed I called back in on XX/XX/XXXX and spoke to another customer service representative who told me she was going to create a case because she did not understand why my minimum payment was so high. The representative told me she had never seen that before since working there. The case number she gave me was XXXX I was told it would take 7-10 days to get a response. I called back in after 7 days and was told they still had not reviewed my case. I chatted with a representative on XX/XX/XXXX and was told to wait an additional 2-3 days to receive an answer and that they were busy. My due date is on XX/XX/XXXX, I have never had a missed payment on my credit cards and now this will affect my credit and most likely American Express will put a lock on my card to not be able to use it. All I am asking for is that my issue be resolved. I have had credit cards for over 10 years and have never in my life seen something like this happen to my account. I do not have a limit on my credit card. I have an account that I do not have a preset spending limit ( please see screenshot of my account where it states I do not have a limit ). Each representative that took a look at my account said there was no reason why my minimum payment due was so high. I need a resolution as soon as possible. This has been the worst experience with American Express Ive ever encountered

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a letter and email from XXXX XXXX that my information was compromised. I also received information from another company saying my information was leaked. I am trying to file the FTC report. I have companies that I don't know calling me saying I owe money to them. They told me that they bought something and now I owe them.

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

Complaint narrative:
company name, XXXX XXXX Account # XXXX DATE OPEN XX/XX/year>XXXX  I am writing to formally dispute an inaccurate late payment entry reported on my credit report/account for the billing cycle ending on ( XXXX ) ( XXXX ). This entry is Incorrect, and I am requesting an immediate investigation and correction in accordance with federal law. 
Under 15 USC 1666b ( a ) of the Truth in Lending Act, a creditor may not treat a payment as late unless it has reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer no later than 21 days before the payment due date. Based on my records : I request the following actions : 1. Conduct a thorough review of the alleged late payment.

2. Provide me with documentation proving compliance with the 21-day notice requirement for this billing cycle.

3. Correct the inaccurate information on my account and credit report. 
Please consider this letter as a formal dispute under the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I expect a written response within the legally mandated timeframe. 
Thank you for your immediate attention to this matter. I have attached copies of relevant documents for your reference.

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