vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex refuses to provide an email address for written consumer complaints as Amex misappropriates funds : First, Amex refuses to provide an email for written consumer complaints citing security reasons in order to prevent consumers from obtaining reasonable and documented resolutions. ( See attached from supervisor XXXX ).

Second, Amex misappropriates funds by withdrawing it from bank accounts and refusing to credit it as paid on the day of the withdrawal insisting the payment is being processed days later ( Attached screenshot ). 

Amex received over {$1700.00} in XXXX payment in XXXX which exceeds its minimum required payment. An error was made upon attempt to send a payment resulting in {$50.00} ( fifty ) dollars being sent for payment from my XXXX  XXXX XXXX  account ( which I intended to close ) versus my current XXXX XXXX account. This {$50.00} could not be immediately cancelled because there is no cancel button in Amex app which could have corrected an inadvertent error. 

Despite of this {$50.00} inadvertency which was impossible to cancel because XXXX ) there is no cancel button once you hit send XXXX ) amex reps claim a payment can not be reversed once sent, the {$1700.00} XXXX payment included these {$50.00} yet Amex continued to bill XXXX XXXX which was meant to be closed and despite of the fact that I notified Amex to stop billing it. Amex rep insisted this {$50.00} would be rebilled necessitating for me to keep this account open and have {$50.00} on the account. Amex refused to bill my XXXX XXXX account separately for {$50.00} which I suggested they could do despite of their receipt of over {$1700.00} in XXXX payment which exceeded the minimum required and incorporated {$50.00} payment. 
To make the long story short, Amex withdrew {$50.00} from XXXX XXXX on XX/XX/XXXX ( screenshot attached ) but claims that they do not have these funds in their possession and that these funds are processing on XX/XX/XXXX. 
XXXX  XXXX claims they released {$50.00} on XX/XX/XXXX yet Amex claims these {$50.00} are being processed and refused to credit {$50.00} to my account misappropriating the funds and cutting all my Amex cards for any future spending. 

Such predatory behavior should be investigated. 
How many thousands of dollars are withdrawn from numerous consumers bank accounts by Amex directly whereas Amex claims payments are being processed days later? 
How many consumers are affected by Amex refusal to provide an email address for written consumer complaints? 
How many consumers are affected by not being able to cancel their payments made in error because a cancel button is missing as an option from Amex dashboard?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name isXXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address : The following previous addresses are wrong : Incorrect Address - XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I've complained about this company within the 3 days and they refused to end contact. This has been reporting on my credit report as charged off and i asked for a1099C statement so I can write it off on my taxes but they haven't provided that. This is a fraudulent act on there part.

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 2024-12-28 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: MI

Complaint narrative:
Asked for contract agreement also any and all documentation information pertaining to this auto loan, I began asking in XXXX of XXXX  I received a email stating that they received a dispute from a credit reporting agency, and that was it! that was in XX/XX/year>. This is not my account and I did not authorize any consent to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: GA

Complaint narrative:
Information is was leaked in data breach and identity theft was commited

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 2024-12-28 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: GA

Complaint narrative:
Information is was leaked in data breach and identity theft was commited

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 2024-12-28 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: PA

Complaint narrative:
Unauthorized inquiries into your credit report are a violation of your rights for several reasons, based on consumer law and Metro 2 standards.

Consumer Law ( Fair Credit Reporting Act - FCRA ) : The FCRA mandates that only entities with a permissible purpose ( such as lenders reviewing credit applications or companies providing services youve requested ) can access your credit report. When someone makes an inquiry without your consent or a legitimate reason, it is considered unauthorized. This violates your right to control who sees your credit information, and it could also lead to harm, such as a lower credit score or identity theft risks.

Metro 2 Standards : Metro 2 is a data format standard used to report credit information. If an unauthorized inquiry is incorrectly recorded or reported under the Metro 2 system, it may appear on your credit report as a valid inquiry, even though it was not authorized. This misreporting can further damage your credit score and your ability to obtain credit in the future. Metro 2 standards require that only accurate and legitimate inquiries be reported to credit bureaus.

In summary, unauthorized credit inquiries violate your rights by breaching the FCRA, which protects your personal information and ensures only legitimate parties access your credit report. Additionally, Metro 2 standards require that only authorized inquiries be accurately reported, so a wrongful inquiry could also result in inaccurate credit reporting.

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 2024-12-28 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: Block, Inc.
State: AL

Complaint narrative:
I am filing a complaint against Cash App ( operated by Square , Inc. ) for closing my account without my knowledge, consent, or a clear explanation of why it was closed. I have made multiple attempts to contact Cash App customer service for clarification, but I have received little to no information regarding the reason for the account closure. This lack of communication and transparency is troubling and appears to violate consumer protection laws under the Electronic Fund Transfer Act ( EFTA ), which mandates that financial institutions provide adequate notice to consumers regarding account actions such as closures. 

Specifically, Cash App failed to notify me in advance about any issues with my account or provide any warnings before closing it. I was not given the opportunity to address any problems, and no clear explanation was provided when I reached out to customer support. The responses I received from Cash App were vague and did not reference any specific violation of their terms of service or policies. 

As a consumer, I believe I am entitled to a fair and transparent process when my account is impacted, especially when it concerns the closure of my account and the possible impact on my financial transactions. Cash Apps failure to communicate the reason for this closure and its lack of adequate responses to my inquiries have caused significant inconvenience and distress. 

I am requesting that the CFPB investigate this matter to ensure that Cash App complies with applicable consumer protection laws and that they provide a full explanation of why my account was closed, as well as any actions I can take to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank closed my account with over {$200.00} in it. Told me no reason for closing it, just that they would be sending me back my money that I had in my XXXX  account in the mail. This was over a month ago, and they told me that I would have my money within XXXX business days. I haven't received anything yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a charge-o {$15000.00} from XXXX XXXXL acct # XXXX listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable/Fraudulent debt from my report as of XX/XX/year> ( See attachment ). According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. 
Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. 
Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable/fraudulent, I urge you to align its records accordingly. 
Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful non- compliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. 
I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. 
Thank you for your immediate attention to this request.

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 2024-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account below has violated my federally protected consumer right as i\ to 15 U.S. Code S 1681. Account Name : Comenity Capital XXXX Credit Report I reviewed my credit report on XX/XX/year> I noticed somethings are incomplete and not accurate. I wrote to said company ( certified mail ) requesting validation of the alleged debt, including any original signed contracts or agreements. Said company has NOT and DID NOT provide proof of such account, including original signed contracts or agreements. 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 U S Code 1681 ( e ) ( b ) And according to 15 USC 1681i5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in general, if after 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 Ii ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation and 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 supposed 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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: IL

Complaint narrative:
I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the account removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX Balance Owed : {$140.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: McCarthy, Burgess & Wolff, Inc.
State: MN

Complaint narrative:
XXXX  claim that I owe {$280.00} for the device which I purchased through XXXX. 
The attached receipt shows that when I purchased the device ( Retail price : {$1100.00} ), I made a down payment of {$400.00}. I traded in my XXXX  XXXX for which I would get {$700.00} rebate. ( rebate detail attached ) The remaining {$49.00} was paid off on XX/XX/XXXX. ( attached ) along with {$120.00} that was due for monthly payment which i was making every month since XX/XX/XXXX till I discontinued the service in XX/XX/XXXX The above math shows I paid the full amount that I owed for the device. But XXXX claim that I owe {$280.00} and they have not provided me with evidence ( documents ) of how I owe that money. 
To me XXXX is just trying to extort additional payment from me without showing any valid proof. 
Please investigate this fraudulent claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Validation of Debt fcra gives up to 30 days please send a wetted signature no bill

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit card — Store credit 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: NC

Complaint narrative:
Lowes Home Improvement provided a contractor to install siding, gutters and replace a door on my home. The contractor provided inferior work and damaged existing structures. One part of the project was attempted two remaining parts have not been attempted and I will not allow the contractor to enter my property again. The initial payment was provided through Lowes Synchrony Bank on XX/XX/year>. XXXX XXXX XXXX the only provider available through Lowe 's did not attempt to start the project until XX/XX/year> and attempted to repair their damage on XX/XX/year> I have requested a full and immediate refund for this inferior and inadequate work in the amount of {$14.00}, 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 2024-12-28 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I the consumer and natural person was denied credit by Exeter financial. When I apply for credit.I was denied ( the equal credit opportunity act ) adverse action against the consumer is against the law, which is : 15 usc 1091c. And is pursuant to civil liability under 15 usc 1602 Also violating 15 usc 1642 15 1681m an 12 cfr 1002 because I the consumer made an application in good faith but credit was not issued My social security number defined as a credit card 15 usc 1602. Proof of fraudulent activity on behalf of ally financial Exeter financial fails to resolve this matter or compensate me for the use of my securities. I will hold Exeter financial criminally a civilly liable for all actual damages pursuant to 15 usc 1681 an 15 usc 1681o. I will follow up with an invoice for XXXX per violation XXXX XXXX XXXX XXXX ( without prejudice )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: MI

Complaint narrative:
I have filed an application to change to IDR repayment plan and should have been moved into a processing forbearance by Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: KY

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. I would like this item immediately re-investigated. XXXXXXXX XXXX XXXXXXXX XXXX.The following inquire was not authorized and should not be reported XXXX XXXXXX/XX/XXXX. The following inquire was not authorized and should not be reported XXXX XXXX following inquire was not authorized and should not be reported. XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX. In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( a ) A person shall 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.

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