vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
ON XXXX XXXX I CONTACTED THE COMPANY BY PHONE. I REQUESTED THAT THIS IS ABOUT THE XXXX  TIME SENDING COPIES OF MY SSN CARD, PROOF OF ADDRESS TO VERIFY MY IDENTITY AND FOR THEM TO REMOVE ALL INACCURACIES FROM MY REPORT. UNDER USC 15 1681g I REQUESTED TO SPEAK TO A SUPERVISOR. UPON EXPRESSING TO HIM THAT THE COMPANY CONTINUES TO SEND ME A REPORT WITH SOMEONE ELSE 'S SSN ON MY FILE. I AM REQUESTING THAT IT HAS TO BE REMOVED IMMEDIATELY AND HIS RESPONSE WAS IT BELONGS TO YOU AND IT WILL REMAIN ON MY FILE. THIS WILL BE THE MY LAST ATTEMPT TO HAVE THESE ITEMS REMOVED. 
UNDER. USC 15 1681g subchapter ( e ) ( 1 ). PARAGRAPH 1.

I HAVE PROVIDED THE COMPANY WITH ( i ) the presentation of a government-issued identification card UNDER USC 15 1681g subchapter ( d ) ( 1 ) I AM REQUESTING ANY DOCUMENTS USED TO VERIFY THAT THE ACCOUNT # ENDING IN XXXX THAT I OPEN THIA ACCOUNT AND ALL SIGNATURES BELONGS TO ME. 

I WILL BE SEEKING MONETARY DAMAGES FOR ALL VIOLATIONS UNDER FCRA.

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 2024-01-31 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: PA

Complaint narrative:
I the consumer submitted an application on XXXX Reference no. XXXX Amex Gold card & XXXX Amex Platinum card and was Denied. 12 CFR 10021 ( a ) ( b ) with Maximum allowable by the applicable law ( 12 CFR 1022 ( v ) 12 CFR 1002.7. Withholding my access to my Credit is Securities fraud. AMERICAN EXPRESS is in Violation of the equal opportunity act & .consumer credit protection act. AMERICAN EXPRESS is subject to criminal liability for violating 15 U.S.C 1691 as I have proof that i was discriminated against due to no response. American Express is in violation of 15 USC code 1642 USC 1681m & 12 CFR 1002 because I the consumer gave them an application ( security ) in good faith and but credit was not issued. Furthermore, because my social security number ( credit card ) was used & I received NO benefit this is PROOF of securities fraud ( UNAUTHORIZED USE OF CREDIT ) on behalf of AMERICAN EXPRESS. As listed in ( 424b5 Prospectus & ) UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, XXXX XXXX FORM 10-Q QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the Quarterly Period Ended XX/XX/XXXX or TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 5. Asset Securitizations We periodically securitize Card Member loans and receivables arising from our card businesses through the transfer of those assets to securitization trusts, American Express Credit Account Master Trust ( the Lending Trust ) and American Express Issuance Trust II ( the Charge Trust and together with the Lending Trust, the Trusts ). The Trusts then issue debt securities collateralized by the transferred assets to third-party investors. If American Express fails to send me both my Credit Cards i will indeed make American Express criminally & civilly liable for all actual damages pursuant to 15 USC 1681n & 15 USC 1681. I will also follow up with an invoice for said violations ( {$1000.00} ) per violation. Account will be Open-ended/No Preset limit. Accounts will be automatically adjusted for each balanced statement. If compliance with your Indenture Agreement & SEC Filing is not honored I will contact the SEC for violation of said agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
I am writing to dispute hard inquiries that appear on my credit report, which are unauthorized and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 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: NJ

Complaint narrative:
I am writing to dispute hard inquiries that appear on my credit report, which are unauthorized and 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 2024-01-31 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Portfolio Recovery calls me everyday. I have answered some calls but nobody speaks from their end, why? I did an annual credit report recently and it shows no debt. I have attempted to block them but they persistently call me during work hours, evening hours ( after XXXX XXXX ), and on weekends. I have evidence of them calling. Portfolio Recovery has called me on the following dates from the following phone numbers : 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 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: M&T BANK CORPORATION
State: PA

Complaint narrative:
The issue is after transferring the balance from my M & T credit card of XXXX, so I could close this account, I logged into the account, and now it is stating I owe XXXX and that was AFTER the transfer. I added all the purchases and it totaled {$1300.00} and some change, and then I subtracted the payments made for that entire month, which left me with the balance of XXXX. That is the amount that was transferred. There is nothing showing that I made XXXX in purchases.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank Of America applied {$51.00} in interest charges to my credit card account. The Credit card had a balance transfer with separate terms and agreement, and at the time of accepting the balance terms and agreement it was explained to me that as long as I have available credit line and I make purchases and pay off those purchases within the due date that no interest will be charged. 
I contacted Bank Of America on XX/XX/XXXX and XXXX of XXXX and both employees that spoke with explained that was their understanding as well. The new charges which generated the interest was paid off way before the due date so those employees that I spoke escalated the issue to their back office as they called it for review because they did not understand either why the interest was applied to my account. The back office sent me an email XX/XX/2024 denying my request to reverse the interest charges and they did not give an explanation. 
When I call back the representative, explain that I would need to pay off the total new balance to avoid any interest charges. Otherwise any payments made would first apply to the minimum balance on the low interest rate, which would be my balance transfer and then to the new purchase, which has the higher interest rate, and the interest rate for the new purchases would apply immediately not like other credit cards where you have a grace period without interest and a due date. 
The wording in the terms on the conditions included with my statement, says that no interest would be applied to any new total balance generated from month-to-month if its paid off within the grace period. The Bank Of America customer service representative my statement with the new charges, resulted in a new total balance, and it meant that I would have to pay off that new total balance. This goes against the point of having a balance transfer and the availability of a credit line to make purchases and pay those purchases off. in essence, Bank Of America saying if you have a balance transfer and you make any new purchases, even if you pay those purchases off before the due date, you will still be charged on those new purchases because your new total now includes the balance transfer. 
This is a deceptive and manipulative practice for taking advantage of customers trying to follow the rules and do the right thing.

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 2024-01-31 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: HW Holding, Inc
State: MO

Complaint narrative:
Subject : Urgent Notice of Unauthorized Credit Reporting and Violation of Missouri FCRA Identity Theft Fraud Laws Immediate Resolution Required Dear Hunter Warfield, I am writing to bring to your attention a serious matter concerning the unauthorized reporting of information to my credit report, which is in direct violation of the Fair Credit Reporting Act ( FCRA ) as specified in Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as Missouri state laws, including Sections [ Relevant Missouri FCRA Sections ]. 

It has come to my attention that Hunter Warfield has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. The FCRA mandates, under Section 1681b ( a ) ( 2 ), that consumer consent is an absolute requirement for such reporting activities, and Missouri state laws, specifically [ Relevant Missouri FCRA Sections ], also emphasize the importance of consumer consent for credit reporting. 

This violation not only disregards federal and state laws but also raises concerns under Missouri FCRA identity theft fraud laws. Unauthorized access and misuse of personal information, as outlined in Missouri FCRA, are subject to severe penalties. 

I want to make it unequivocally clear that I have not provided consent for Hunter Warfield to report any information to my credit report. This lack of explicit permission constitutes a serious breach of my rights, potentially causing harm to my creditworthiness and demonstrating a clear disregard for federal and state regulations.

I demand, with urgency, that Hunter Warfield immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and relevant Missouri FCRA Sections. Failure to comply within the stipulated 30-day timeframe will be considered as willful noncompliance, subject to penalties under applicable laws, including Missouri FCRA identity theft fraud laws. 

It is crucial to understand that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Missouri state law, and identity theft fraud laws. This is not a negotiation ; it is a demand for immediate compliance with both federal and state regulations, safeguarding consumers like myself from unauthorized and damaging credit reporting. 

I expect your prompt attention to this matter and insist that Hunter Warfield rectifies these violations promptly, demonstrating full respect for my rights under federal and Missouri state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2024-01-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
My loan number is XXXX, and I attached three documents : 1. The first document is a response from XXXX XXXX through the CFPB. The bank indicated that the payment was successfully sent to American Express. 
2. The second document is a letter from XXXX XXXX indicating the payment was sent successfully on XX/XX/year>, and the trace number. 
3. A letter from American Express mentioned the company needed help locating the payment. 

I communicated with American Express on XX/XX/year>, when I noticed by American Express that the company had yet to receive my payment ; therefore, on the same date, I agreed with American Express payment center to ACH for the amount of {$800.00} payment to process my bank account. Three supervisors from the American Express payment system investigated the missing payment since XX/XX/year>. 

In addition, American Express did not charge a late fee, which I am very thankful for. 

Since American Express has the date, payment amount, and trace number with a confirmation from my XXXX XXXX, I am asking American Express again to investigate and help me, a good-standing customer, locate my {$800.00} payment and credit my personal loan account. I hate to file this issue with American Arbitration due to the payment missing and my frustration for almost one year. I intend to locate my hard-earned money that I made payment to American Express . 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX XXXX  ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to TransUnion, and we'll let you know when it's complete. 

GO TO XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Sales Financing ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Personal Loans Cos. 
See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry Institution Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - Auto Financing See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor.

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 2024-01-31 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: CA

Complaint narrative:
XXXX XXXX XXXX Reported : XXXX XXXX, XXXX - {$1400.00} Needs Attention Overview You have 100 % left to pay on this collection. 

Balance {$1400.00} Highest Balance {$1400.00} Opened XXXX XXXX, XXXX ( XXXX XXXX ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Consumer disputes this account information Original Creditor Name XXXX XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR? 
We've sent your dispute request to XXXX, and we'll let you know when it's complete. 

GO TO XXXX Creditor Information XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX - XXXX XXXX ( XXXX ) XXXX See an error? 
Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXX. 
See an error? 
Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor. 
XXXX  XXXX Inquiry : XXXX. XXXX, XXXX - XXXX See an error?

Find out how to dispute a hard inquiry Institution Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX  See an error?

Find out how to dispute a hard inquiry No contact information has been reported by this creditor.

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 2024-01-31 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: VA

Complaint narrative:
I am writing to file a formal complaint against Equifax, XXXX and XXXX, regarding the unlawful use of my personal information. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in investigating and resolving this matter. 
There are multiple inquiries on all of my reports that go against 15 USC 1681 ( b ) : " ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. '' There are a total of XXXX accounts on my credit reports that are listed as charge offs and all charge offs are forms of income and should not be listed on my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2023 I called Transunion and Spoke with supervisor XXXX XXXX  REFERENCE # XXXX in regards to the unauthorized inquiries, and inaccurate reporting. The negative remarks are still reporting on my consumer report. 

On XX/XX/2023 I sent company a dispute for Inaccurate reporting that was on my consumer report, as well as unauthorized inquiries. 

A dispute was mailed out to the company certified mail and return sender, I have attached valid copy of Passport, Social, and utility bill with my current ant only address. 

XXXX ) XX/XX/2023 XXXX # XXXX ) Inaccurate Reporting XXXX ) XX/XX/2023 XXXX # XXXX ) Unauthorized Credit Inquiry on my credit report The only address that should reporting is : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This is now my third attempt trying to resolve this issue with Transunion.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted.The company has failed to provide supporting documentation verifying the accuracy of the inaccurate information reporting on my consumer 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