vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: DC

Complaint narrative:
I have been paying off the amount on my American Express credit card every month, on time, or so I thought. I pay the bills for my American Express card when they show up in my bank account 's bill pay -- I briefly look at the charges and pay the amount at the top. Unfortunately, or I suspect on purpose, I am seeing my bills so close to the due date that my payments are apparently always showing up XXXX  day late ( this is according to their customer service ). American Express have been charging me late fees and 30 % interest on these full payments showing up XXXX day late. Apparently, they have been sneaking interest charges and late fees in at the bottom of my bills so I have not noticed them until now. I am someone who has the money and pays my bills every month, yet have somehow incurred $ XXXX of fees since XX/XX/year> on my bills. I have paid the total I owe and closed my account. This is an outrage. Thankfully I am someone who can pay this off when I noticed this fraud but many others don't. What an outrage. I won't be doing business with them again soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account name : XXXX # XXXX Account name : XXXX XXXX # XXXX ( collection Agency ) I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I am writing to formally request the removal of XXXX inaccurate accounts from my credit report, which have been detrimental to my financial standing. After conducting a thorough review, I believe these accounts may be the result of identity theft. I have attached a signed affidavit from the IRS confirming that my identity has been stolen.

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 2024-09-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: UT

Complaint narrative:
On XX/XX/year> a purchase was made to XXXXXXXX XXXX XXXX XXXXXXXX for {$1000.00}. I noticed this on my next statement from XXXX XXXX in XXXX. I called several times and they asked my to verfy my account. They asked for my password and current address. I gave them what my password was at that time and my address which was and still is XXXX XXXX XXXX XXXX, UT XXXX. They kept telling me that I was incorrect ( rudely ) and they could not go further with the dispute. I logged into my account on my phone using facial recognition and noticed a bogus email address and residential address on my account. The address on file was XXXX XXXX XXXX XXXX XXXXXXXX, CO XXXX. I did not make this change and have never been to XXXX XXXX, CO. They credited the amount back temporarily until they claimed they did their own investigation and found the charge valid! I was told to file a police report which is attached to this dispute. More info on the attached 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 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: WA

Complaint narrative:
I have had an ongoing issue of SoFi freezing my checking account even after the most minuscule of charges ( {$8.00} ). I have had to contact SoFi weekly to have my account unfrozen. However, this most recent action by SoFi is completely unacceptable and I now have no access to + {$11000.00}. 

On XX/XX/XXXX, while traveling on XXXX XXXX I was notified my debit card was declined. I previously let SoFi know I was traveling because I anticipated an issue. After arriving back in XXXX, I received this message on my SoFi mobile application, Account restricted - Your account is currently restricted. Please reach out to us as soon as you can for more information. 
I called the number provided and reached the XXXX XXXX. I was then told my account was restricted. I would not have any access to funds, I was unable to close my account, and could not take any action. When I asked the timeframe for resolution or the reason for my account being locked, I was told no additional information is available and I would need to periodically check the application for updates. 

I explained twice that these funds are urgently needed for food, gas, and other basic living expenses. Despite this, SoFi refused to provide any funds access, explain the problem, or give a timeframe for resolution. I am also unable to even close my account and take my funds elsewhere. I am shocked that SoFi can do this. I am currently listing my townhouse for sale next week and have numerous expenses that are now having to be put on hold due to lack of access to funds. 

Any assistance you can provide will be greatly appreciated!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX  XXXX ****Account closed Account XXXX XXXX  XXXX XXXX ****Account closed This account is being reported inaccurately, please remove this from my credit report immediately. Sincerely, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
Why did you close unresolved # XXXX? WELLS FARGO continues to do nothing but pass to departments who refuse do do anything including providing information or resolving their created problem 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 2024-09-22 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Purchase on XX/XX/year> to XXXX. 

Item ( incorrect item sent by XXXX ) were returned to XXXX on XX/XX/year>, via tracking : XXXX via XXXX XXXX Filed a dispute due to not getting a refund. 
I was granted a temp credit and then they reversed that credit in XX/XX/XXXX stating the tracking information was not valid. I sent them a copy of the tracking showing delivered to XXXX and still have not gotten my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This letter is in response to your recent claim that Bank of America has reported an unpaid debt under my name, XXXX XXXX XXXX. I have verified that I have no legally binding obligation to pay any alleged debt with them. 
Again, you have failed to provide me with a copy of any viable evidence submitted by Bank of America. Be advised that I hereby request a description of the procedure used to determine the accuracy and completeness of this information, and it must be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, I request the name, address, and telephone number of each person contacted at Bank of America regarding this alleged account. 
I am formally requesting a copy of any documents provided by Bank of America, bearing my signature, that prove I have a legally binding contractual obligation to pay this amount. A bank clerk looking at their computer screen and seeing my name listed in their database is NOT verification or validation of any alleged debt. 
This is my final goodwill attempt to have you clear up this matter. The item listed is entirely inaccurate and incomplete, and it represents a serious error in your reporting. 
Failure to comply with federal regulations regarding credit reporting agencies will be investigated by the Federal Trade Commission ( FTC ), per 15 USC 41 et seq. I am maintaining a careful record of our communications for the purpose of filing a complaint with the FTC, the Consumer Financial Protection Bureau ( CFPB ), and the Minnesota Attorney General 's office, should you continue in non-compliance. 
As a reminder, in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX ), non-compliance may result in your liability for damages

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ). 

I am unable to review by TransUnion Credit Report despite me validating my account with my telephone number on file- ( thru text message ). I have called TransUnion Number and the phone call was disconnected multiple times after being on hold for a long period of time. 

I have a right to utilize a consultant company to assist me in submitting letters on my behalf. XXXX XXXX XXXX is NOT a credit repair company and they have not requested " payment up front '' as noted in the attached letter. I have granted limited Power of Attorney to XXXX XXXX XXXX to submit requests/letters on my behalf- ( see Notarized Power Of Attorney ) and TransUnion have sent `` Stall Letters '' and have failed to investigate any inaccurate and incomplete information. TRANSUNION is the only credit reporting agency that I am unable to obtain my credit report, unable to reach a representative and have FAILED to investigate inaccurate and incomplete information on my credit report. 

I am almost certain that TransUnion is reporting inaccurate/incomplete information- ( I have verified my report thru third-party company-XXXX XXXX-which not the most reliable information. 

I am requesting for Transunion to send my OFFICIAL and COMPLETE Credit report dating from when the accounts were originally opened to current date. 

I am also requesting for Transunion to review the following account for possible inaccurate/incomplete information- XXXX  Acct # XXXX 30 Late payment XXXXthis is INACCURATE-SEE BANK STATEMENT SHOWING ( 2 ) PAYMENTS MADE IN XXXX. 

I contacted XXXX and the representative confirmed both payments were received in XX/XX/year> but XXXX posted the XX/XX/XXXX payment was posted for XX/XX/year> payment-the representative was unable to explain the reason and requested that I submit a dispute. 

XXXX XXXX Acct # XXXX Ensure Accuracy and completeness of reporting on this account. Provide verification/validation of negative information on 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 non-monetary relief
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am XXXX XXXX XXXX and have been charged late fees /payments on my credit report. Under U.S. code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am XXXX XXXX XXXX and have been charged late fees /payments on my credit report. Under U.S. code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am XXXX XXXX XXXX and have been charged late fees /payments on my credit report. Under U.S. code 1666b, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: First Advantage LNS Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX* I am filing this complaint due to the company 's failure to comply with the XXXX XXXX XXXX XXXX XXXX. The following violations have occurred : The company has not provided the necessary privacy notices outlining how my personal information is shared. 
I have not been offered the option to opt out of sharing my data with nonaffiliated third parties, as required by law. 
There is insufficient evidence that the company has implemented proper security measures to protect my financial and personal data, as mandated by the XXXX XXXX 
The companys identity verification process appears inadequate, raising concerns about compliance with XXXX 's pretexting protection provisions. 
I request immediate action to stop any unauthorized sharing of my personal information. Additionally, I expect a complete explanation of how my data has been handled and proof of the companys compliance with XXXX  regulations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: PA

Complaint narrative:
In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of these items. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
hi my account was closed back in XX/XX/year> and the never send back our money About {$2000.00}

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 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection on my credit report, I have never done business with this company. I have never received mail from this company and they have not validated this debt. I disputed the debt and have not received anything is writing showing I own them money. 

Debt Validation : Collection agencies must validate the debt. Within XXXX days of the first contact, they must send you a letter detailing the amount owed, the name of the creditor, and how to dispute the debt. 
Dispute the Debt : If you dispute the debt in writing within XXXX days of receiving the validation notice, the collector must stop all collection activities until they provide verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-22 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: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection on my credit report, I have never done business with this company. I have never received mail from this company and they have not validated this debt. I disputed the debt and have not received anything is writing showing I own them money. 

Debt Validation : Collection agencies must validate the debt. Within XXXX days of the first contact, they must send you a letter detailing the amount owed, the name of the creditor, and how to dispute the debt. 
Dispute the Debt : If you dispute the debt in writing within XXXX days of receiving the validation notice, the collector must stop all collection activities until they provide verification of the debt.

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 2024-09-22 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: CL Holdings LLC
State: CA

Complaint narrative:
I disputed and upload my proof and I would like this to be removed off my credit report asap. And I also uploaded proof gave them documentation and nothing has been resolved. Can you please remove this item? 
The company name is Jefferson capital XXXX loan dating XXXX XXXX account number XXXX or account number XXXX thank you.

Company response to consumer: Closed with explanation