vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-16 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: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  American Express National Bank XXXX XXXX XXXX. 
XXXX XXXX, NY XXXX Subject : Urgent Concerns Regarding Credit Denial and Investor Rights To : XXXX XXXX XXXX, XXXX, XXXX XXXX, and Investor Relations Department, I am writing to address a matter of utmost urgency regarding recent adverse actions taken against me by American Express National Bank. Despite my efforts to respond to the initial adverse letter and provide rebuttal, I received correspondence from XXXX XXXX of the American Express Executive Office, explaining that my credit application was denied based on my FICO score. 
As an Investor, I have expressed concerns regarding American Express 's failure to adhere to agreements filed with the Securities Exchange Commission and those outlined in various agreements found under Investor Relations on your website. 
Trustee Indenture agreement, I noted the statement " The Security Interest in the Collateral is granted to secure the Notes. ''The definition of Collateral includes '' All accounts, instruments, documents, etc., '' The Prospectus further explains how debt securities, including receivables, are pooled and converted into other types of debt securities, with interests and payments issued to the person whose name is on the debt security. Given this, my credit application, bearing my signature, constitutes collateral. 
I also discovered critical details in your Prospectus, particularly on page XXXX under the section " PLAN OF DISTRIBUTION. '' This section outlines various methods by which securities may be sold, including through underwriters or dealers, directly to purchasers, or through agents. American Express 's practice of denying credit extensions despite only purchasing underlying securities and selling them on the secondary market appears to contradict these agreements. 
Moreover, American Express attracts consumers and accesses trusts by way of their credit and social security numbers obtained through applications. Denying my application, provided in good faith, without equitable consideration on your part, may be perceived as securities fraud and identity theft. 
I kindly request immediate revocation and clear proof of this retraction or simply credit my account. Failure to address this matter satisfactorily will compel me to report American Express and any related holders to the U.S. Securities and Exchange Commission and FINRA. 
I anticipate your prompt attention and a satisfactory resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: CO

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX these account are all fraudulent I would like these to be removed

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 2024-03-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
I am writing to file a complaint against Silverman Theologou LLP and XXXX XXXX XXXX XXXX for violations of the Fair Debt Collection Practices Act ( FDCPA ). I believe that both entities have breached my cease and desist order and have engaged in deceptive and misleading practices in their attempts to collect a debt from me. 

I sent a cease and desist letter to Silverman Theologou LLP and XXXX XXXX XXXX XXXX, explicitly instructing them to cease all communications with me regarding the alleged debt. Despite this clear directive, both entities have continued to contact me in an attempt to collect the debt, thereby violating my rights under the FDCPA. 

Furthermore, Silverman Theologou LLP has falsely represented itself as a law firm or attorney in their debt collection communications with me. While I understand that Silverman Theologou LLP may be a BAR-approved law firm, when engaging in debt collection activities, they are held to the same standards as any other debt collector under the FDCPA. Implying that communications are from an attorney or a law firm is misleading and deceptive, especially when they are attempting to collect a debt. 

In addition to Silverman Theologou LLP violating my cease and desist order and falsely representing themselves as attorneys, XXXX XXXX XXXX XXXX has also reported negative information about me to consumer reporting agencies, damaging my right to privacy and my reputation. 

I want to reiterate that I do not believe I owe the alleged debt, and I have refused to pay based on my rights as a consumer under the FDCPA. Despite this, Silverman Theologou LLP and XXXX XXXX XXXX XXXX have ignored my requests and have continued to harass me in their attempts to collect the debt. 

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and take appropriate action against Silverman Theologou LLP and XXXX XXXX XXXX XXXX for their violations of the FDCPA. I also request that any negative information reported about me be removed from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Under section 605B of the FCRA ( 15 USC 1681c-2 ), the reinsertion of information previously deleted from a consumer 's file due to being a result of identity theft.

Under 15 USC 1681c-2, if a consumer has previously notified a consumer reporting agency ( CRA ) of information resulting from identity theft and the CRA subsequently removes that information from the consumer 's file. This provision aims to protect consumers from having fraudulent or erroneous information reappear on their credit reports after it has been removed due to identity theft.

I recently noticed that a previously blocked account reappeared on my credit file. I did not have a contract for this debt and it was in fact a fraudulently obtained account. Block and delete account from my consumer report immediately. ( ATTACHED IS THE FTC REPORT AND POLICE REPORT FOR SAID IDENTITY THEFT ) XXXX Acct Number : XXXX Date : XXXX/2019

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 2024-03-16 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Under section 605B of the FCRA ( 15 USC 1681c-2 ), the reinsertion of information previously deleted from a consumer 's file due to being a result of identity theft.

Under 15 USC 1681c-2, if a consumer has previously notified a consumer reporting agency ( CRA ) of information resulting from identity theft and the CRA subsequently removes that information from the consumer 's file. This provision aims to protect consumers from having fraudulent or erroneous information reappear on their credit reports after it has been removed due to identity theft.

I recently noticed that a previously blocked account reappeared on my credit file. I did not have a contract for this debt and it was in fact a fraudulently obtained account. Block and delete account from my consumer report immediately. ( ATTACHED IS THE FTC REPORT AND POLICE REPORT FOR SAID IDENTITY THEFT ) XXXX Acct Number : XXXX Date : XXXX/2019XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: CO

Complaint narrative:
Under section 605B of the FCRA ( 15 USC 1681c-2 ), the reinsertion of information previously deleted from a consumer 's file due to being a result of identity theft.

Under 15 USC 1681c-2, if a consumer has previously notified a consumer reporting agency ( CRA ) of information resulting from identity theft and the CRA subsequently removes that information from the consumer 's file. This provision aims to protect consumers from having fraudulent or erroneous information reappear on their credit reports after it has been removed due to identity theft.

I recently noticed that a previously blocked account reappeared on my credit file. I did not have a contract for this debt and it was in fact a fraudulently obtained account. Block and delete account from my consumer report immediately. ( ATTACHED IS THE FTC REPORT AND POLICE REPORT FOR SAID IDENTITY THEFT ) XXXX Acct Number : XXXX Date : XXXX/2019

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 2024-03-16 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: PA

Complaint narrative:
I took a look at my credit reports and noticed that there was an account that was inaccurate and/or erroneous. It did not match my records so I notified the agencies and I have yet to receive a response from them. The Fair Credit Reporting Act states that every report must be made with maximum possible accuracy however each reporting agency has different information. See exhibit. XXXX agency is showing a 60 day late payment status while the other two aren't and my records don't show that I was ever late. Not only that but the payment history are not matching at all which also proves that this information has been reported with an error.

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 2024-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Larry H. Miller Group of Companies
State: GA

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: NY

Complaint narrative:
XXXX XXXX and Equifax refused to remove the hard inquiries that I did not put there. I never applied or attempted to apply for XXXX XXXX  or any other those things I asked them to remove it. I sent them copies of my ID my address and still nothing. I asked to show me proof For the attempt of applying for cards nothing was sent also One of my debt was paid off in full. I asked him to remove the hard inquiry. They said I have to stay here for 10 years even though I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: AZ

Complaint narrative:
So I had opened up a Credit Karma savings account being that I had a Credit Karma account already and so I thought I would open it so that I can put some extra funds to the side in case of an emergency so I did a deposit they took the deposit they didnt put the deposit into my account And five days later, they said that my account was frozen so I tried to call customer service. I called every number that they had as a 24/7 customer service. And I had talked to four people that didnt seem to know any English at all. I got transferred to a supervisor who literally say more than just a couple words of English complete sentences every time I expressed to him my concerns on my money and my worries and my frustrations he could hardly respond even with the runaround and the Continuous reading of a piece of paper or an automated response. Man couldnt give me any answers whatsoever and he was claiming to be a supervisor so then I called my bank and I made a claim with them. We dont know the outcome of this yet but I do want to make a complaint with Credit Karma because theres absolutely no reason why my account was frozen. Its only XXXX XXXX dollars the deposit came from my main bank account which is XXXX XXXX it was approved it was cleared and so I dont see why my account was frozen at all. Nothing fraudulent happened. Nothing wrong. There wasnt a bunch of different other Deposits or bad checks being used or anything like that this account is new the customer service was terrible. They told me that I would have to wait for an email from some department that didnt have a phone number or customers didnt have access to which I also thought was weird no answer that I got sounded professional or even appropriate. I talked to one of the agents at my bank and even they said that it sounds fishy and it sounds fraudulent and that they two have heard issues about Credit Karma banking. I then looked online and I seen that this is a very common issue with Credit Karma and that sometimes they go months and months and months not unfreezing your account and keeping your money and they also make you run through hoops and go through many different avenues just to get your money only for them to close your account and Then you have to find out how you get your money back. I want them to reverse this deposit and I want them to put that money back into my account and Ive gone through every option that I can go through. Ive made a complaint with the Better Business Bureau Ive made a claim with my bank and Im making a claim with you guys to try to get this resolved. This is a terrible company. Their customer service is terrible The way that they manage the customer customer is terrible and its quite frightening because its the only only money I have right now until I get paid again and I have no access to it. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
We traded our car, and we authorize the dealership to only do wine, credit inquiry, and they did XXXX. Please remove them immediately, because now my credit went down almost XXXX points. 
The dealership says they can not do anything, and that they didnt realize, that they were trying to find us the best possible rate. They say theres nothing they can do. Im extremely upset because he took me years and years to be my credit. Please remove all the credit Hits/inquiries for an auto loan. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
We traded our car, and we authorize the dealership to only do wine, credit inquiry, and they did XXXX. Please remove them immediately, because now my credit went down almost XXXX points. 
The dealership says they can not do anything, and that they didnt realize, that they were trying to find us the best possible rate. They say theres nothing they can do. Im extremely upset because he took me years and years to be my credit. Please remove all the credit Hits/inquiries for an auto loan. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: Open Dealer Exchange, LLC
State: TX

Complaint narrative:
Same as my previous complaint, but system didnt allow me to work at XXXX company. Please remove the credit inquiry because it was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I have had my credit karma account for more years then I can remember. XX/XX/XXXX I created a savings account through them who are backed by XXXXXXXX XXXX I transferred my tax return ( {$5000.00} ) from my checking account at XXXX XXXX XXXX XXXX to my new credit Karma savings account. As soon as my money hit the savings account they have locked my account. I have spent over the last 2.5 weeks calling, emailing, chatting with costumer service, etc. to figure out why my account was locked and to have access to my money. No one can tell me why it was locked and they keep giving me the run around that someone from higher up will contact me. I needed this money weeks ago. I am about to be evicted and can't pay my bills!! I even emailed and spoke to an employee at XXXX XXXX  and still have no access to my funds. I told credit Karma to just close my account and send funds back to my bank, just to be told they can not due to it being locked. I am having financial struggles and I am lost on what to do at this point. Not to mention a single mom trying to make ends meet. PLEASE HELP ME I AM DESPERATE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 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: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 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 a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 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 a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.

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 2024-03-17 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: PA

Complaint narrative:
In XXXX of XXXX, Equifax announced it experienced a data breach, which impacted the personal information of approximately XXXX XXXX people. A federal court approved a class action Settlement that resolves lawsuits brought by consumers after the data breach. 
I was a victim of this data breach. I have uploaded proof in the attachments below. So please delete all inquires and accounts that are affected because of your data breach. My information was sold, used and shared without my consent. According to The Privacy Act of 1974 it prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual. MY RIGHTS HAVE BEEN VIOLATED SO PLEASE DELETE ALL INQUIRIES AND ACCOUNTS ON MY CREDIT REPORT BECAUSE ALL HAVE BEEN COMPROMISED!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Unable to cancel my account with Experian without paying the monthly fee first but I don't have the money to pay 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 monetary relief