vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
After my account was frozen. I tried to call the number provided by Amex. After my identity is confirmed, I was told the back office has to be involved but back office was not answering the phone. I was put on hold for a very long wait until the line was cut off. The next time I called, I complained about the lack of response from the back office. I was told to leave message for them to call back which I did twice on 2 separate days without response. Finally I was able to get in touch with back office early 9 days ago. I was told it'll take 3-5 days for the funds to be sent back to unfreeze my account. I called 1 week later which was yesterday. I was told it'll be unfrozen today after the funds were transferred back yesterday. My account is still frozen today and the funds were transferred. I called again today and was told a message will be sent to whoever doing the unfreezing with no assurance that it'll be done. I have no access to my my for almost 3 weeks despite my repeated phone calls and their empty promises.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: OH

Complaint narrative:
I received an email from the debt purchaser on XX/XX/XXXX, notifying me of an attempt to collect the debt. I responded to the email requesting validation of the debt, per the instructions in the email itself, however the debt purchaser has not responded since I requested the validation on XX/XX/XXXX. The debt purchaser has since continued attempts to collect the debt despite never responding to my request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: NJ

Complaint narrative:
It is paramount to acknowledge that I did not authorize these accounts, and their presence is causing me significant distress. I respectfully urge you to prioritize this matter, conduct a thorough investigation, and promptly remove these unauthorized accounts 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 2024-02-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance. I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies in reporting. The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as Metro 2 compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, that you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that no law says you need to provide a Power of Attorney to delay processing letters from a consumer. If you do not process my letters promptly, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action. 

Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXXXXXX Please remove from my public record XXXX - Account Number : XXXX THIS CONTRACT IS CANCELED XXXX XXXX - Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate 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 2024-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XX/XX/2023, while I was on XXXX  out of the country, Bank Of America authorized a charge on my credit card worth up to {$7600.00} USD. Bank of America failed to flag the charge as suspicious and allowed the charge. Upon checking my banking app, that is when i noticed the charges. I did not have the time to deny the charge but they authorized the charge without my informed consent. When I disputed the transaction they were only able to return {$3000.00} of the charge. The charges are as follows : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX amounting to {$1700.00} and XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00}. When I attempted to dispute the remaining transactions to Bank of America, I was told it was a legitimate charge. During the time of purchase, I was in fact not in the country at the time, I will attach proof that I was not in the United States on the months of XX/XX/2023 to XX/XX/2023. Bank of America sent me documentation containing the details of the purchase, in the documents it states that purchase IP address is located in XXXX XXXX, Connecticut ; knowing this information it is certain I was not the one who made the charges since I was on holiday. Despite my efforts Bank of America will not cancel the remaining charges or give me my money back. Bank of America failed to protect me against fraud of up to a total of {$7600.00} USD before disputing a few charges ; which has also ruined my 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 monetary relief
Consumer complaint received 2024-02-21 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: IL

Complaint narrative:
The attached and enclosed inquiries were not authorized by me. If I must pursue further, I will be forced to file an FTC report. It is clearly a mistake and even a violation to attached unauthorized inquiries to my credit report. These must be removed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest has failed to furnish evidence that their reporting mechanism is not defaulted or there is no default in their reporting mechanism. 


BRIDGECREST XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/2023 ACCOUNT XXXX This letter is to formally request that you cease and desist from reporting false late payment information to credit bureaus and other reporting agencies. It has come to my attention that you have inaccurately marked my account as being late on payments, which has had a negative impact on our XXXX XXXX. 
I demand removal of this late payment. I demand you to furnish evidence that your reporting mechanism is not defaulted or there is no default in your reporting mechanism. It is an unfair act for late payments to be reported. It is a violation of the law, invasion of privacy, Pursuant to 16 CFR 444.4 It is an Unfair act of practice.

Pursuant to FDCPA Late payments must be verified/ validated prior to them being placed on a consumers report. Please furnish evidence and proof not statements on how you verified the debt. Statements are hearsay in the court of law.

Who did you speak to?

License number?

Systems have outages all of the time. Please do not send any statements. I will question the authenticity of any statements sent. I demand removal for failure to produce the reporting mechanism. It is alleged until it can be proven. With no supporting evidence it must come off the report.

Please move forward with the above request. Failure to complete request I will sue for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 ) We trust that you will rectify this mistake promptly and ensure that our credit report reflects accurate and up-to-date information moving forward. 

Sincerely, 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 2024-02-21 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: SC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2024-02-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: TX

Complaint narrative:
I got a {$1500.00} loan that I have paid on time for 20 months. My payments have come to a total of {$1300.00} and when XXXX the pay off they told me I still have a {$1000.00} balance. I was not made aware of the length of the loan or how high the interest was when getting the loan or that there would be penalties for paying it off early. I also noticed they raised my interest rate without telling me. I also was not made aware of how daily intrest works. It was very deceptive and I feel like I've been grossly taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-22 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: NV

Complaint narrative:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vou have in vour files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The company states that they are an indirect automotive finance company, is not related to the dealership, XXXX XXXX, or any other dealership, was not present at the time of the transaction, and did not participate in any of the negotiations therewith however, as the XXXX, they bear responsibility for the terms and conditions of the loan contract they administer, therefore should be considered responsible for the high pressure sales tactics that the dealership used in order to enter this contract. Again, I was misled by the salesperson regarding the inclusion of the trade-in balance in the new car loan. The discrepancy between the salesperson 's representation and the actual terms outlined in the contract should not fall on me as the consumer. The co-signer witnessed the tactics that were used and was also misled by the salesperson. How can a contract that is entered with 1 party being misled be valid? A misunderstanding such as this indicates a lack of transparency or potentially deceptive practices for both the dealership and the company used to assign such contracts.

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 2024-02-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
EQUIFAX IS REPORTING THAT MY XXXX XXXX  IS NOT CURRENT AND CAUSED XXXX XXXX XXXX XXXX  TO TURN DOWN MY REQUEST FOR AUTO FINANCING.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: VA

Complaint narrative:
While recently reviewing my credit report I noticed fraudulent and unauthorized activity.showing for a closed account for : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> I did not authorize anyone employed by these companies to view my credit report or give any of my personal information to any third party. In addition, I did not give ANY Credit reporting Agency permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights.

I demand that you, Credit reporting Agency, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my behalf.

In the absence of any such documentation bearing my signature. I formally request for this fraudulent account to be immediately blocked and removed from the credit file that you maintain under my Social Security number Please note that you have 4 days to remove this account as it was opened through fraudulent activity and is a result of identity theft. I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. 
I have contacted the company that is reporting this account as negative and they have also FAILED to validate this debt and show any proof that I owe anything or that you have the right to furnish this negative mark against myself. I am now notifying ALL parties involved in this matter this an opportunity to cure this matter before legal action will take place. 
Under 18 U.S. Code 894 XXXX XXXX XXXX XXXX and any other credit reporting agency dealing with this matter may be held criminally and civilly liable for conspiring to use extortionary means by reporting marks on my credit report that are not valid and therefore financially harming myself, the living man and beneficiary of this account.

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 2024-02-21 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: VA

Complaint narrative:
While recently reviewing my credit report I noticed fraudulent and unauthorized activity.showing for a closed account for : XXXX XXXX XXXX XXXX. 
Date Opened : XX/XX/year> I did not authorize anyone employed by these companies to view my credit report or give any of my personal information to any third party. In addition, I did not give ANY Credit reporting Agency permission to furnish this information on my credit report. This is a violation of the Credit Reporting Act Section 1681b ( c ) which constitutes fraudulent activity and is a serious breach of my privacy rights. 

I demand that you, Credit reporting Agency, produce a contract between you and I, the consumer bearing my signature showing that I gave you permission to furnish info on my behalf. 
In the absence of any such documentation bearing my signature. I formally request for this fraudulent account to be immediately blocked and removed from the credit file that you maintain under my Social Security number Please note that you have 4 days to remove this account as it was opened through fraudulent activity and is a result of identity theft. I received no goods or services for {$160.00} and have no knowledge or recollection of this item. I have NOT been contacted by anyone trying to settle this debt and have contacted XXXX XXXX XXXX XXXX  demanding removal as well. I am NOT requesting the item to be blocked or removed in error and demand that this account be blocked from my account. Also, this request for removal is not based on material misrepresentation. 
I have contacted the company that is reporting this account as negative and they have also FAILED to validate this debt and show any proof that I owe anything or that you have the right to furnish this negative mark against myself. I am now notifying ALL parties involved in this matter this an opportunity to cure this matter before legal action will take place. 
Under 18 U.S. Code 894 XXXX XXXX XXXX XXXX and any other credit reporting agency dealing with this matter may be held criminally and civilly liable for conspiring to use extortionary means by reporting marks on my credit report that are not valid and therefore financially harming myself, the living man and beneficiary of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-21 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: MN

Complaint narrative:
on XX/XX/XXXX I miss keyed in a payment on the American Express AP for {$3300.00} in error ( I was trying to make a payment of XXXX ) my bank rejected the payment on XX/XX/XXXX as expected. I talked to American Express on XX/XX/XXXX asked them to cancel the {$3300.00} payment they informed me that the system will not allow them to cancel the payment once it has been submitted even though my bank rejected. they did say after a second attempt on XX/XX/XXXX which will also reject that the payment will automatically cancel. Makes not sense the service Rep should be able to cancel the rejected payment at any time.. this is a serious flaw within their system and is designed to collect fees on XX/XX/XXXX I did make the correct payment online for {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-21 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
It's been over 30 days, and the creditor has not updated the information nor has provided proof or documentation in regard to a late payment, they have not supplied this information and they must delete the payments on my credit report under federal law they had 30 days to complete the investigation and by failing to do so the item must be deleted from my credit report asap, late payment : XXXX XXXX XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation