vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I was booking XXXX XXXX. On the XXXX XXXX American Express offered a promotion for {$200.00} if my credit card application was approved. My credit card was approved, and I never received my credit. I called American Express. My {$200.00} credit was not honored due to the fine print. American Express never notified me about it. I paid my credit card balance in full. 

They created small loopholes to avoid giving the credit they offered. It was a bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXXXXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
This is a very old debt for which PORTFOLIO RECOVERY ASSOCIATES has issued XXXX XXXX numerous presentments. I have accepted their presentment for value on XX/XX/XXXX which, according to the rules of the UCC, puts me as the holder in due course. Instead of closing the account, XXXX XXXX XXXX has chosen to ignore the law and continued to issue presentments ( XXXX dated XX/XX/XXXX and another dated XX/XX/XXXX ) for the same debt, along with incessant phone calls ( 6 times so far just in the month of XXXX, XXXX ). No contract has ever existed that obligates me to pay PORTFOLIO RECOVERY ASSOCIATES anything, I am the holder in due course of this claim and I am on the National Do Not Call registry. This is a serious breach of the laws which lay at the foundation of our monetary system and I, as creditor and holder of preferred stock in the United States corporation, accepted this claim for value, as is my right for any unfounded claim such as this. As it is, this claim of {$950.00} is now owed to XXXX XXXX by PORTFOLIO RECOVERY ASSOCIATES. 
I would ask the CFPD and the Inspector General to investigate this matter and the abusive practices of PORTFOLIO RECOVERY ASSOCIATES. They seem to believe that they can ignore the law without consequence and continue to issue unfounded claims against anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I urge you to take immediate steps to remove the unauthorized accounts from my credit report. Their presence is distressing, and I did not authorize their inclusion. Please address this promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
XXXX XXXX ran my credit on XXXX XX/XX/year> & XX/XX/year> an i did not approve for them to run my credit ALSO ALLY FINANCIAL RAN my credit on XXXX i did NOT APPROVE OF THEM TO RUN MY 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 2024-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
I was first contacted by XXXX XXXX XXXX approximately XX/XX/XXXX while ill with extended COVID. I asked the rude representative to please send me all paperwork in reference to thus said XXXX XXXX accounts because the balances did not appear to be accurate opposed to credit extended. I received multiple daily calls until a singular paper bill came in the mail from Dynamic Recovery Solutions XX/XX/XXXX. I sent XXXX  a cease and desist letter in addition to a letter asking for validation of debt, 15 U.S.C. 1692g is a section of the Fair Debt Collection Practices Act ( FDCPA ) that's about debt validation. The amount of the debt, the name of the creditor with the original creditor 's name and address was requested. I also requested history of payments on XXXX  XXXX accounts, insurance claims filed on these debts, chain of title and proof of ownership because the names of the collection agency had changed. 
In response I obtained nothing but XXXX intimidation tactics inflicted upon the general population ( threat of lawsuits ). Hiding their violations of FCRA and FDCPA with multiple disciplinary infractions including prohibitions on ( 1 ) representing the amount or validity of unsubstantiated debt ; ( 2 ) collecting on debt without offering to provide necessary documentation to consumers ; ( 3 ) mispresenting that it would provide the offered documents within thirty days ; ( 4 ) initiating debt collection lawsuits without possessing required documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my XXXX time reaching out to yall about these unverified accounts that are still hanging around on my credit report. Im talking about accounts that shouldnt even be there, violating 15 U.S.C. 1681. This is unacceptable, and we need to get it sorted out ASAP.

Now, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law to provide me with a detailed description of the procedure used to determine the accuracy and completeness of the information on my report. This includes the business name, address, and telephone number of any furnisher of information you contacted. And youve got 15 days to get this information to me thats the law! 

Last time, yall told me in writing that you " verified '' these items. Alright, but who exactly in your company did this verification? How did they verify it? I need the name, business address, and telephone number of the person or business you contacted during your reinvestigation. Plus, I need to see the documentation you used to verify this dispute. Show me the evidence! 

As of now, you have NOT provided me with any hard copy documentation showing that these accounts have been properly verified. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA, you are required to promptly DELETE all information that can not be verified. The law is crystal clear on this point. 

If you fail to comply, the Civil liability and remedies for " negligent noncompliance '' under Section 617 will be enforced. I am fully prepared to pursue litigation to protect my rights under the FCRA. 

I demand that the following accounts be deleted immediately : Name of Account XXXX XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX  Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX Account XXXX : XXXX XXXX  Status : Unverified Account Name of Account : XXXX XXXX XXXX Account Number : XXXX Status : Unverified Account Name of Account : XXXX XXXX Account Number : XXXX XXXX Status : Unverified Account Name of Account : XXXX XXXX XXXX  Account Number : XXXX Status : Unverified Account Im expecting this matter to be resolved quickly. Lets get it deleted this time

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 XXXX : 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 XXXX business days.To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX & # XXXX ; t understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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 XXXX : 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 XXXX business days.To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I XXXX & # XXXX ; t understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
A client sent me a XXXX transfer to my Bank of America account and the money has not been deposited into my account. The bank can not see the transfer but my clients account has been debited for the transfer so the issue is with Bank of America. After spending XXXX minutes on the phone with XXXX different reps I was told nothing can be done and my money is gone. The reps do not care about the confirmation number or any of the transaction details and they can not see my current pending XXXX transfers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have consistently made timely payments on this account and have never allowed them to become overdue. I'm confused about why there are reports of late payments on my accounts. According to 15 USC 1666b, billing errors should be corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 

XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00}

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-05-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/year> RE : Complaint Regarding Closed Account Access - Synchrony Bank ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a complaint against Synchrony Bank regarding their refusal to close my online account associated with my closed credit card account ( number XXXX ). 

Background : On XX/XX/year>, I closed my credit card account with Synchrony Bank ( account number XXXX ). I received confirmation of the closure via mail dated XX/XX/year>. Shortly after the closure, I received the remaining balance on the account. 

On XX/XX/year>, I received an email notification from Synchrony Bank regarding a new statement for the closed account. While the statement showed a XXXX balance, I was concerned that the ATM card associated with the account was still active. I deactivated the card and contacted Synchrony Bank 's customer service on the same date. 

During the call, I was informed by a customer service representative that Synchrony Bank 's policy is to not remove online access for closed accounts. I expressed my concerns about the security risk of maintaining an online profile for a closed account and requested its permanent closure. 

On XX/XX/XXXX, and XX/XX/year>, I submitted a formal request through Synchrony Bank 's messaging system to permanently close my online profile. I emphasized the security vulnerability of an open online profile for a closed account. 

Despite my repeated requests, Synchrony Bank has refused to close my online account. 

Request : I request that the CFPB intervene and instruct Synchrony Bank to permanently close my online profile associated with the closed account number XXXX. Maintaining access to a closed account poses a significant security risk to my personal information.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/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