vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Subject : Credit Collection Dispute and Request for Debt Cancellation Dear Experian 's National Consumer Assistance Center, I hope this message finds you well. I am writing to address the matter of the alleged debt associated with my account and to assert my rights under the doctrine of estoppel by silence, as established in Engelhardt v. Gravens ( mo ) 281 SW 715, 719. 

Having considered the situation, I have not provided any evidence or acknowledgement that validates the existence of the alleged debt. In line with the principle of estoppel by silence, my lack of response does not imply consent or acknowledgment of the debt 's legitimacy. 

Based on the information available to me, I have reason to presume that no substantiated proof of the alleged debt has been presented, which leads me to conclude that the debt itself does not, in fact, exist. 

In light of the aforementioned circumstances and my rights under applicable consumer protection laws, I hereby formally request the cancellation of the alleged debt from your records. I kindly ask for written confirmation of the cancellation once the necessary procedures have been completed. 

I also wish to remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ), which includes providing verification of the debt upon request. I have not received any documentation validating the alleged debt, and I expect full compliance with the FDCPA. 

Please consider this as my official dispute of the alleged debt. Until the requested validation is provided, I request that all collection activities pertaining to this debt be immediately halted. 

I trust that you will conduct a thorough review of this matter and act in accordance with the law. Any continuation of collection efforts without proper validation will be considered a violation of my rights as a consumer. 

Thank you for your attention to this dispute. I anticipate a prompt resolution and written confirmation of the debt 's cancellation. 

Sincerely, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX Original Balance {$510.00}

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 2023-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: NJ

Complaint narrative:
Please we need your help because we already pay every month my mortgage. And BSI down my credit score and make me paid over my mortgage and put my house in foreclosure This mortgage company abused my family financially that started XXXX XX/XX/2021 to XXXX XX/XX/2021 BSI said we dont do the payment for these months we did we got prove we pay

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
I am filing a complaint concerning my local bank bureau. I went to with drawl money out of my checking account on the date as follows XXXX. I waited in the lobby for someone to assist me. When the lady to come out to assist me with my bank with drawl I asked to have XXXX dollars taking out of my account. The lady was very ignorant to me and told me that the money in my account could be fraudulent activity. I assured her that the large sum of money in my account was from my income tax. She went back into the back without letting me know and froze my account. I am now seeing on my online checking account that I'm in the negative due to them freezing my account. I would like something resolved from this issue to prevent anybody else going through this. Also, hearing a bank teller say " I have kids and I dont recieve a XXXX dollar check ''. First off where does someone have the right to even say that.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
Incomm was supposed to have sent me a check for the amount of {$170.00} for a previous dispute I filed with the cfpb about a vanilla prepaid gift card I was never ever to use. They kept the funds. This supposed check was mailed out XX/XX/2023 from what a representative with their company told me. They also told me to allow 3 weeks which was the XXXX of XXXX. They have closed the case without supplying me with any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: NV

Complaint narrative:
When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation.I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account I demand documentation / proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. 
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 
Here is a list of items that were sent in my initial dispute letter that now must be deleted from your database.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This inquiry in not mine, I don't have any relation with these Creditors, and Please remove it from my credit report ASAP.

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 2023-07-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
CFPB Ref # XXXX AMEX had billed me {$590.00} ( annual renewal fee ) for a card that I do not utilize after the pandemic. Most vendors that I utilize, stopped accepting AMEX. 

AMEX purportedly is owed approx {$200.00} ( fees ) for some late payments in XXXX. I tried to explain that I had family medical issues that started in XX/XX/XXXX, after the pandemic and this occurred again in XX/XX/XXXX and has created continuous problems with family 's circumstances. 

AMEX most recently, has offered a pay to settle for approx {$330.00} on or before XX/XX/XXXX. I am trying to resolve this matter. I called the toll free number and asked for a pay for delete. The individual I spoke with at AMEX ( XXXX ). works in XXXX and said that there is no such thing as pay for delete with AMEX. When I questioned her, she said she wasn't sure and I would have to speak to another representative within AMEX ( again in XXXX ). Another representative came on the line and wanted to me go through the card number, DOB, social security number, etc.. I am being told that I'm being transferred to a supervisor, yet it seems odd that I'm reiterating my info again. Something is wrong! 

I am trying to resolve this minor issue and I keep getting bounced overseas to XXXX. I want to speak to someone in the USA to resolve this. My family and I used to get various calls ( which have stopped now ), from XXXX with thick accents as well, saying they are from AMEX. It was harassment for months. he collection representatives said they are from AMEX but they are from a collection agency. The representatives would never identify themselves as being from the collection agency, but now after I contacted the CFPB initially, AMEX has provided a written response by letter ( dated XX/XX/XXXX ), that the representatives are not AMEX employees but part of XXXX XXXX XXXX, XXXX. 

This is a minor item and it can resolved with a conversation domestically here in the USA. I'd like to have AMEX provide me with a contact person to resolve this issue. You will see that AMEX sends response letters after complaints to the CFPB with an address in Florida. There is no name or contact details for a specific person to contact, rather we call various toll free numbers and get bounced around. The letter is signed by XXXX XXXX. Who is this? Why does AMEX hesitate to sign a letter with a proper first name and last name, but yet requires customers to state, verify and reverify all their personal details? 

I find it difficult that I am contacting an AMERICAN company and can not reach an AMEX employee in the USA to resolve a minor {$200.00} issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian has a collection XXXX XXXX XXXX, I attempted To dispute this and they refuse to remove this from my credit report. I do not owe the credit company and have no idea why they are on my credit report. Experian has refused to remove this inaccurate information from my credit report and should be done immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Subject : Notice of Dispute Violation of FCRA Rights and Inquiry Investigation To Whom It Concerns, I am writing to dispute an inquiry on my credit report from XXXX, as I believe it violates my rights under the Fair Credit Reporting Act ( FCRA ). It appears that TransUnion did not conduct a proper investigation into this inquiry, and I am requesting its immediate removal from my credit report. 

As a consumer, I am protected under the following rights granted by the FCRA : 1. Right to Accurate Information : The FCRA ensures that information reported on my credit file is accurate and up-to-date. 
2. Right to Dispute : I have the right to dispute any inaccurate or incomplete information on my credit report.

3. Right to Investigation : The FCRA requires credit reporting agencies to conduct a reasonable investigation upon receiving a dispute about any information on my credit report. 
4. Right to Fair Credit Reporting : I have the right to fair and unbiased treatment in matters related to my credit information. 

I believe that TransUnion has violated my FCRA rights by not properly investigating the XXXX  inquiry, which has resulted in inaccurate information on my credit report. Therefore, I urgently request you to take immediate action and remove this inquiry to rectify the situation. 

Please provide written confirmation once the inquiry is removed from my credit report, along with any supporting documentation. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I had portifoilo took off my XXXX XXXX report but it show on the other two reports. It was removed because of fraud

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 2023-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I entered into a period of financial hardship in XX/XX/2023 and fell behind on my car payment. Santander Consumer Finance USA was made aware of my situation and after the account became 60 days past due, issued a letter to cure. I was about {$600.00} short from the amount due and the lender continued to communicate with me. I made payments : {$500.00} on XX/XX/XXXX, {$160.00} on XX/XX/XXXX and another {$160.00} on XX/XX/XXXX. The lender has not offered to lower payments, defer payments or any other form of financial hardship assistance. However, the lender does continue to ask pricing questions about when the account will be caught up despite their knowledge that I am going through a financial hardship despite the consistent reminders. Santander lacks economic sympathy for consumers like me and their inability to provide solutions create heightened stress, XXXX and unnecessary suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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:
There is an UNAUTHORIZED and FRAUDULENT inquiry on my credit report ( XXXXXXXX XXXX XXXXXXXX XX/XX/2023 ). I am not the one who initiated the inquiry. I submitted a complaint last XX/XX/2023 but it was closed immediately. I am submitting a new complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so.

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 2023-07-25 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Block, Inc.
State: NC

Complaint narrative:
Requests for company to cancel installment loan for merchandise/product not received. 
Numberous requests via phone and email without resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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.

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 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 ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-25 00:00:00
Product: Credit reporting, credit repair services, 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: AZ

Complaint narrative:
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681O - XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

5. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account. 

6. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account Number : XXXX Delete this account. 

7. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete this account. 

10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2023 Delete 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