vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-01 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened a claim for multiple charges on my account that were unknown to me. These charges were fraudulent. The claims reference number is XXXX. I opened the claim with an agent on XX/XX/year>. Then, it was closed on XX/XX/year>, with the result from American Express Fraud Protection Services stating, we have found these charges not to be fraudulent [ ] you received and used the Card issued in your name. The several charges I claimed as fraud were posted back on my Card without any proof of connection to these charges. The same day, my account was closed. I still havent received a letter about the closure. Calling American Express customer service was no help as they kept advising me to wait for a letter from them that explains everything. Its been a month, and Ive not received any letters. I decided to do some digging on my own about these charges. 
There was a total of 6 charges from 4 different merchants. I was able to receive responses/help from all 4 merchants, and of those 4, two merchants ( XXXX, XXXX ) gave me a written email response to help me with the case. Other 3 merchants ( XXXX, XXXX ) were able to speak to me on the phone to assist me with letting me know that I should pursue the case with American Express due to their privacy policy. 
XXXX response was very clear. They gave me the exact details matching the charges in question and were able to let me know that the name/email/phone # /address do not match with my card on file. 
I would like to get the claim re-investigated and evaluated as these are not my charges. 

7 fraudulent charges are : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
This is a follow up to Complaint ID Number XXXX. Venmo had promised to completely remove my information from their database after the expiration of the retention period of 180 days writing in part The data retention period for account information starts from the date when an account is closed, or the business relationship otherwise comes to an end. For example, if Venmo is no longer able to provide its services to a user, we may permanently suspend the account. Accordingly, the retention period for your Account information began on XX/XX/year>, when we took the decision to permanently suspend your Account. At the expiration of the retention period, erasure occurs automatically unless under exceptional circumstances as allowed under the law. You may be assured that during the retention period, your data will no longer be processed for the sorts of purposes associated with the use of active and live Venmo accounts, and your information will be securely encrypted until it is deleted from PayPal systems. The retention period ended on XX/XX/year>. Today is XX/XX/year>, 44 days later and I can still access my Venmo account but of course I can not use it. Venmo is retaining my Personally Identifiable Information ( PII ) for no reason at all and should their systems be breached ; I would be affected yet they claim to have cancelled my membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I mobile deposited a check into my account then they held the funds to wait for the check to clear then they emailed me and wanted to confirm the activity on my account to make sure it wasn't suspicious and they froze my account on XX/XX/XXXX and have not released my funds or allow me back into my bank account the check was for {$1100.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: IL

Complaint narrative:
I am unaware of this debt ; I did not have the opportunity to dispute this debt. I did not receive proper notification. If in fact you think I received proper notification, send me a copy of the certified letter that was sent to me with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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: WA

Complaint narrative:
I filed a dispute through XXXX XXXX regarding a debt that has been placed on my credit report that i do not recognize and that this collection account has been placed by 2 seperate collections within 7 days of each other and shows a simular amount but does not identify who originally submitted this alleged debt for collections my first dispute i made to transunion about having no knowledge of this debt and the response to my dispute stated that the information regarding this collections is accurate and the debt belongs to me and complies with the consumer fair credit reporting and that my dispute is closed and no changes to my credit report will be made and so i submitted another dispute regarding having 2 collections on my credit report for what appears to be the same debt and the lack of information regarding who sent this debt to 2 collection agency 's also these collection agency 's call me several times a day 7 days a week they will sometimes call right back from a simular numbers and call from numbers that come up as potential spam numbers or restricted number i have taken photos of a few of the calls in my call history to show an example of the frequency in which i am being harassed by these collections

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 2024-11-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arcon Credit Solutions LLC
State: DE

Complaint narrative:
I am writing to formally request validation of a debt referenced as associated with a XXXX XXXX account ending in XXXX. I am requesting that Acron Credit Solutions LLC provide me with the following documentation in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA1. Purchase Agreement : Please provide a copy of the original purchase agreement that outlines the terms of the debt, including any signatures from me.

2. Debt Validation : I request validation of the debt to ensure its legitimacy. This includes a detailed breakdown of the amount owed, any associated fees, and the date of the last payment.

3. Original Creditor Information : Please provide information regarding the original creditor, including their name, contact information, and any documentation that supports the debt 's validity. 
4. Wet Ink Signature : I request any and all information that contains my wet ink signature stating that I owe Acron Credit Solutions LLC or XXXX XXXX. 
This request is made under the provisions of 15 U.S.C. 1692 ( g ), which states that a debt collector must cease collection of a debt until they provide the requested validation. Additionally, under 15 U.S.C. 1681c-2, I am entitled to dispute any information that is not verified and accurate.

Please be advised that if I do not receive the requested information within 30 days from the date of this letter, I will consider the debt invalid and expect all collection efforts to cease immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 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:
Ive applied for the American Express Gold Card but was denied based on factors that were stated in the denial letter. I know my application was transferred, securitized then sold to help generate revenue. Under the IRS this is a medium of exchange as mentioned above I have not received my consideration ( credit card ). I also will submit proof of documents ( again ) being sent to me from the company in reference to them denying me. U.S.C. 1431- Powers and duties of banks ( banks do not lend money ) and banks are 15 usc 1602-g states ...,. we the consumers are the creditors, and the banks are the borrowers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit file is blank. I tried to pull it up and I get an error or technical code BLNK I can see no information on my file. My credit file is completely gone. Can you please help me retrieve my information. I currently have active disputes going on as well so with my file being gone Im not sure if that will still be disputed or if my credit payments updates by creditors be updated as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These credit bureaus are still reporting these inaccuracies after disputing for over a year. These Banks allowed accounts to be opened in my name while I was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Opportunity Financial, LLC
State: MN

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am reaching out to report a case of what I believe to be fraud regarding an account that has been opened in my name. The account in question was apparently opened during a period when someone else was residing in my home. I had no knowledge of this account being created, and I never received a credit card, statements, or any funds associated with it. 

I am now facing attempts to collect on this account, which I do not recognize and do not believe to be mine. I am requesting that the credit card company involved provide detailed information to confirm or disprove my ownership of this account. Specifically, I would like to receive any documents showing how the account was opened, the method of application, and any identification used. 

I am requesting your help in ensuring that this credit card company complies with my request to validate the account and investigates this matter as potential identity theft. I would appreciate any support or guidance you can offer to protect my consumer rights and resolve this issue. 

Thank you for your time and assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I recently submitted a letter regarding the inaccuracies and unfamiliar items on my credit report, but it's now been over 30 days, and I haven't received any response. This lack of action is really concerning. According to Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), youre required to investigate disputed items within 30 days, and if you don't, those items must be removed from my report. 

Since it's been more than 30 days, I expect my credit report to be updated immediately, reflecting the removal of the disputed accounts. If this isn't resolved quickly, Ill have no choice but to consider legal action, as this ongoing delay has caused me considerable stress. 

Additionally, I was affected by the Equifax, XXXX, and XXXX data breaches, which makes me even more worried about how my personal information is being handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I have been a customer with Western Finance XXXX XXXX Texas for 2 years now. In yesterday they called me 14 times and showed up to my house. I had spoke with them to make arrangements to pay, but I ended up taking my kids XXXX XXXX XXXX. These two ladies then showed up at my house at XXXX, banging on my door.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: GUARANTEED RATE INC.
State: TX

Complaint narrative:
I submitted a letter of hardship XX/XX/XXXX. My husband lost his job early XXXX, got in a XXXX car wreck and I had health issues at still struggling with health issues. After they approved the forbearance we could not get an explanation from the mortgage company as to why our payments went from XXXX to XXXX a month in XXXXXXXX XXXX XXXXXXXX. They gave me speculative answered but transferred me around a lot. They knew that we were going through hardship and I tried to make payments. 

After months of talking to them one man said I could short sale, but the house was probably going to be up for foreclosure by XXXX. Scared to be homeless because of the threat we moved out. The house was up for auction in XX/XX/XXXX and I assumed it sold until I received calls from current people looking to help prevent foreclosure This has been a hard 2 years but my husband and I are finally getting financially stable again. We loved our home but just didnt want to be homeless with our children. 


Our address is XXXX XXXX XXXX. Our morgage company was Guaranteed Rate inc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I never receive any of the service from this company and my information was fraudulently used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I never receive any of the service from this company and my information was fraudulently used.

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I never receive any of the service from this company and my information was fraudulently used.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a XXXX XXXX XXXX XXXX 

The bank blocked my cards out of the blue without me doing anything wrong whatsoever, i.e. no deliquency, outstanding debt or any other such issues I am aware of. They did this without any prior warnings or requests for information. They only notified me as they blocked my two cards.

I raised a complaint and asked what prompted this and what exactly I did wrong. The bank did not provide a substantive response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have 4 inquiries on my report from Transunion that I have no knowledge of 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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Due to Equifax data breach I have multiple fraudulent items in my consumer report, I have asked company to send me a purchase agreement, purchase assignment and signatures from me with XXXX XXXXXXXX XXXX XXXX proving I have done business with this company. I do not owe this company money nor do I know who this company is or have never done business with this company. They have failed to proved actual proof tiring me to this debt and A BILL IS NOT PROOF. According to 15 USC code 1681c-2 ( Section 605B of the FCRA ) unverified, an inaccurate information must be promptly deleted from consumer report. This is the fifth time I am disputing the same information the fact that XXXX XXXX XXXX XXXX XXXX XXXX, nor any of the three credit reporting agencies, XXXX, Equifax, or XXXX has provided any proof further demonstrates, the information is unverified and inaccurate. I have not given permission for this to be on my consumer report so this violates section 605B, which is illegal. XXXX assist letter has been sent to this company and they still continue to send a bills. furthermore this company isnt even licensed to collect, Which is also a violation!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Due to XXXX data breach I have multiple fraudulent items in my consumer report, I have asked company to send me a purchase agreement, purchase assignment and signatures from me with XXXX XXXX XXXX XXXX  proving I have done business with this company. I do not owe this company money nor do I know who this company is or have never done business with this company. They have failed to proved actual proof tiring me to this debt and A BILL IS NOT PROOF. According to 15 USC code 1681c-2 ( Section 605B of the FCRA ) unverified, an inaccurate information must be promptly deleted from consumer report. This is the fifth time I am disputing the same information the fact that XXXX XXXX XXXX XXXX XXXX XXXX nor any of the three credit reporting agencies, XXXX, XXXX, or Experian has provided any proof further demonstrates, the information is unverified and inaccurate. I have not given permission for this to be on my consumer report so this violates section 605B, which is illegal. XXXX assist letter has been sent to this company and they still continue to send a bills. furthermore this company isnt even licensed to collect, Which is also a violation!

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 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have 2 inquiries on my report that I have no knowledge of : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief