vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
XXXX XX/XX/year> I received a call from Comenity Bank regarding my past due bill from XX/XX/year>. I agreed to pay the bill along with the next due payment for XX/XX/year>. The person I spoke to offered me to set up automatic payments up until XXXX. The offer was to pay somewhere between XXXX XXXX I requested to pay XXXX $ instead and this person agreed I can pay extra. Everything was set in stone and I verbally consented to the monthly automatic charges. This month of XX/XX/year>, I decided to renew the automatic charges starting XXXX. This is when I noticed I was being charged late fees. When I called Comenity Bank I was told I was not paying the minimum due amount. If I was told a set amount ( which was considered extra by the employee ) and paid it, why am I being penalized? Their negligence is now not only affecting my finances but also my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Torriere Holdings INC
State: AK

Complaint narrative:
Spire Recovery Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX. Requested verification/validation of debt on XX/XX/2024 via companies online portal. 
XXXX. Received email on XX/XX/2024 stating information would be mailed to my home. 
XXXX. Contacted by XXXX who left a voicemail on XX/XX/2024 via telephone about the debt despite still not receiving verification/validation. 
XXXX. On XX/XX/2024 received via email " Settlement Offer '' from company despite still not receiving verification/validation of debt. 
XXXX. I responded to email stating as I had still not received verification/validation of the debt they were in violation of Fair Debt Collection Practices Act. 
XXXX. They responded via email that I had not provided information to them which is incorrect. 
XXXX. Shortly thereafter on XX/XX/2024, I received an email with a purported " Validation '' pdf attached that stated I owe {$5800.00} with no proof other than the letter signed " Sincerely, Administration ''. 
XXXX. I responded to their initial " Settlement Offer '' email again stating they were attempting to provide verification/validation after violating the Fair Debt Collection Practices Act and they still had not provided actual verification/validation of the debt. 

Today I logged into their online portal and encounter an error stating " Information for this account is not available online at this time ''. 

There is no amount owed or any other identifying information available.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I consistently make on-time payments. I am confident about this. What baffles me is why this company is marking me late in some months, which shouldn't happen. As per XXXX XXXX, any billing errors must be rectified, or else they'll owe me {$1000.00} for each inaccurately reported account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Credit 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:
On XXXX XXXX XXXX Charges were made to my American Express account as a result of a scam. I was being coerced to purchase XXXX XXXX XXXX using my Amex credit card. In addition, Amex XXXX cards were purchased online that I did not authorize. The total purchases that I am being held accountable for is {$6500.00}. No services or funds were received. 
On XX/XX/2024 a deposition was filed with XXXX XXXX XXXX Police XXXXXXXX XXXX and a formal complaint was filed with the Federal trade Commission. The American Express card was cancelled and a certified letter was sent to American Express outlining the the formal complaints that were initiated. 
I contacted the American Express fraud department and was told that i would not be responsible for the charges until further investigation. On XX/XX/2024 Amex sent an email stating that the total charge of {$6500.00} would go back on my account. I contacted the fraud department again. No reference or acknowledgement was made by the Amex fraud department to insure that the steps that I took to report fraudulent activity would be of any consequence. 
XXXX  XXXX XXXX kept me informed of the status of my account, that had a similar situation, by mail and email. AlXXXX XXXX XXXX XXXXXXXX XXXX charges were resolved and there was no impact on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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:
I issued XXXX Letters to the agencies and they did not send proof of validation or investigate the accounts or inquires not authorized by me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: MD

Complaint narrative:
I issued XXXX Letters to the agencies and they did not send proof of validation or investigate the accounts or inquires not authorized by me. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-04-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me significant XXXX, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: UT

Complaint narrative:
Please see complaint # XXXX and add the following. I received a call yesterday from XXXX @ ( XXXX ) XXXX ext # XXXX told XXXX that she had NO answers for me and that I could contact her directly at the # and extension as provided. 

As she said she would likely be back to me today and as it is now XXXX Eastern time, having not heard from her I decided to call. 

No place to enter an extension or speak to a human at the # XXXX provided, XXXX attempts, I tried another CHASE #, got an agent on the line and was told, " WE DON'T HAVE EXTENSIONS '' feeling duped by Chase once again. 

Chase seems to pride itself in making things difficult for the consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital One had a law office file suit on their behalf. When contacting the law office, they informed that they will not enter into a repayment plan that is not beneficial to the client who refused any repayment plan that was greater than XXXX years. Was informed they didn't care if it would cause financial difficulties as the client was the concern. Explained that FDCPA required them to not force repayment plans that would financially hurt the debtor. They informed no, and caused account with bank to become XXXX, preventing payment to electric and other bills. Now they are calling constantly but still refusing to work in good faith on a repayment that works for myself and not cripple me. 

Probably contact Capital One about repayment but their best offer was to repay it in XXXX months and been in good standing or repay it in XXXX months to close the account. This would put payments at {$800.00} each month for the XXXX month or {$3600.00} each month for XXXX months. This is not viable for myself or anyone who is working below $ XXXX annually.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am being contacted by chase bank saying I owe a XXXX charge for a credit card I did not open, I am attaching a email I received, they need to remove this card from my name and correct any information or future contact with me, I did not open any credit cards I want this rectified and my credentials out of there system and correct my credit report remove any information that has there name on it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: CA

Complaint narrative:
This credit reporting company is not properly investigating information they are reporting. This is a violation of the FCRA because information can not be reported without evidence once it is questioned. I have challenged this information and have not been provided with evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I applied online in XXXX for American Express ' promotional offer for the XXXX XXXX XXXX Credit Card, which included XXXX miles and additional benefits. Despite my strong credit history with AMEX spanning over XXXX years, my application was instantly declined upon submission. Upon contacting AMEX, I was informed that I had exceeded the maximum limit of XXXX credit cards with AMEX and needed to cancel one AMEX credit card for AMEX to reconsider. After canceling an AMEX card as instructed, I contacted AMEX again to notify them and was told my application would be reconsidered. This was all done on the same day of the application. 

However, my application remained in pending status for several days. When I followed up with AMEX, they claimed I had not responded to an email offer. Surprisingly, they cited an email address I had never provided during the application process. Despite acknowledging my calls, AMEX insisted that I had failed to accept the offer and, thus, could not proceed. 

These events raise concerns about data privacy, as AMEX appeared to have sent crucial communication to an unverified email address, impacting my ability to accept the credit card offer. Additionally, requiring customers to accept offers after applying online may seem misleading and could potentially affect credit scores.AMEX 's handling of the situation calls into question the transparency and fairness of their application processes. 

Lastly AMEX failed to notify me in writing as I never received any communication about this application.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice i have fraudulent accounts on my report. Please remove them, they are hurting my ability to obtain credit. Also the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to bring to your attention the presence of fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely linked to me without my knowledge or consent, causing XXXX XXXX XXXX XXXX  Regrettably, I have become a victim of XXXX XXXX  and have promptly reported the incident. It is imperative to address this issue swiftly, given its adverse effects on both my financial well-being and personal reputation. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, pursue legal action to safeguard my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-17 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Farrell Holdings, LLC
State: TX

Complaint narrative:
I submitted a complaint stating XXXX did not properly investigate and validate the balances for this vehicle. I received information from PAC that reflected different amounts from what what listed on my credit report. I supplied that information to XXXX and there was no change after 2 disputes with the most recent being made on XX/XX/24. I received the dispute results on XX/XX/24 reflecting the account remains and nothing was updated. After filing a dispute with XXXX and supplying the information, the account was deleted from my XXXX report. XXXX either did not do an investigation or refused to look at the documentation that was provided to reflect the balances are totally different.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-17 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: FL

Complaint narrative:
I recently review a copy of my credit report and notice i have fraudulent accounts on my report. Please remove them, they are hurting my ability to obtain credit.

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