vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
During a hardship, my bank was informed of my situation and was receiving arrangement of payments. Payments was made as agreed, but apparently it wasn't good enough. So, they transferred a week and a half of my income to my credit card account to make it current without my authorization. Then, in return showed me no concern when I mentioned that I was never late until this unexpected time in the economy. My hardship is fuel by inflation and a extreme decrease in my rate of pay.

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 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
REF : XXXX I applied for an American Express credit card on XX/XX/2024 and was denied. Regardless of the reason for being denied. I have the RIGHT to credit. What gives American Express the Right to access my Principal estate without it benefitting me? Withholding access to my Securities is Securities fraud. American Express is violating The Equal Credit Opportunity Act and the Consumer Credit Protection Act. 
You are denying me access to MY credit, While at the same time breaching your fiduciary duties, committing acts that the Bill of Exchange Act and The Trust indenture act was enacted to protect us investors from. I dont mind you profiting from my receivables, just dont deny me my right as an investor to access the same benefits. I am owed principal interest every billing cycle to be applied to my Principal 's balance. I hereby claim ALL principal 's interest. 
This can be settled in an equitable manner. Please reconsider your decision, dont discriminate against my rights. XXXX is also a form of payment. Banks Borrow, issue security and pay interest according to 12 USC 1431. 
If my application can't be reversed, then retract my application. A Hard inquiry has been added to my consumer report which proves American Express has acquired an investment from my principal estate. 

Thank you, By : XXXX XXXX XXXX XXXX For : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: KY

Complaint narrative:
Pursuant to the laws set forth below, you : XXXX, TRANSUNION, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, TRANSUNION, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 

Pursuant to : 15 U.S. Code 1681b ( a ) ( 2 ) - 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 instructions of the consumer to whom it relates. 
DocuSign Envelope ID : XXXX Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES. 
( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, XXXX, AND TRANSUNION, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. I AM NOW SEEKING REMEDY FOR YOUR VIOLATIONS. IF WE ARE UNABLE TO AGREE ON THE REMEDIES SET FORTH I WILL SEEK JAIL TIME VIA FEDERAL COURTS FOR THESE VIOLATIONS. 

THESE VIOLATIONS.

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 2024-02-08 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: Experian Information Solutions Inc.
State: KY

Complaint narrative:
Pursuant to the laws set forth below, you : EXPERIAN, XXXX, and XXXX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : EXPERIAN, XXXX, and XXXX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time. 

Pursuant to : 15 U.S. Code 1681b ( a ) ( 2 ) - 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 instructions of the consumer to whom it relates. 
DocuSign Envelope ID : XXXX Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES.

( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Pursuant to the laws set forth ; I DID NOT GIVE YOU : EXPERIAN, XXXX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. I AM NOW SEEKING REMEDY FOR YOUR VIOLATIONS. IF WE ARE UNABLE TO AGREE ON THE REMEDIES SET FORTH I WILL SEEK JAIL TIME VIA FEDERAL COURTS FOR THESE VIOLATIONS. 

THESE VIOLATIONS.

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 2024-02-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: General Motors Financial Company, Inc.
State: VA

Complaint narrative:
In XXXX XXXX I requested a payoff amount from GM Financial to pay off my car loan. I paid over {$9000.00} the beginning of XX/XX/ and received a letter not long after, showing that the loan was paid off. I took the letter to DMV and weeks later, received my car title with no liens. Now, two years later, I started receiving emails and voicemail messages saying that I now owe {$3000.00} on the car loan. I deleted the emails and didnt call the voicemails back thinking it was a scam. I decided to finally call GM because I was annoyed and wanted to make sure it was a scam. To my surprise, the customer service clerk tells me that they had made a mistake, two years ago, and my car loan was not paid off and I owed over {$3000.00} and my payment was past due. I am extremely upset and dont understand how a mistake like this could have happened, why they waited two years before contacting me, why they mailed me a letter saying it was paid off and why they reported it paid off to the credit bureau .

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XXXX XXXX XXXX  " U.S. Bank '' " E-Fraud '' department placed my card on hold due to a fraud alert from an ACH transition. I received a ACH transfer for the amount of {$3200.00} the transaction came from an item that was sold online. I went to the branch and provided them with all the necessary documentation needed. Since then they have been holding my funds for more then two months & just closed my account on XXXX I've received an update. I have been told that they still will not be releasing my funds even after I have given them everything that necessary for them to validate my account. I'm going through financial hardship due to them holding my account & not allowing me to withdraw my funds. I need help they're wrongfully hold my funds & I feel racially profiled, I have been patient. I do not know what to do about this satiation any more.

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 2024-02-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX we lost everything to a house fire. We barely escaped in the middle of the night and didnt even have on shoes. Our insurance company, XXXX, sent a check to us a Shellpoint/Newrez . We were told to sign it over to them and they would disburse funds to contractors as we rebuilt our home after we submit invoices. Newrez received the check on XX/XX/XXXX. We hired the first company, which was the debris company and submitted the invoice. Funds were dispersed per our agreement and we paid the company. We then hired an architect and submitted the first invoice. They did not pay. We submitted another invoice. They did not pay. We had to pay out of pocket thousands of dollars now. We have been told multiple things by our claims reps at the mortgage company but the check is always coming. Each week they say theyre verifying the pay off from another department within Newrez and will send us the equity to start the rebuild. We still have not been given our money. Per our insurance, we only have 12 months in our rental then we will have to move. Newrez is delaying the process and adding stress to an already stressful situation. We cant rebuild our home without our money. They wont call us and theyve collected interest on our {$500000.00} since XXXX. This is unethical and unfair.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2024-02-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account numbers XXXX and XXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 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 2024-02-07 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: CA

Complaint narrative:
After checking my credit report, I have found that there has been a fraudulent account opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. I have filed an identity theft report with the FTC which will be attached. This account was opened without my knowledge and consent. It should be removed from my credit report! 

The details of the subject account are below : XXXX XXXX - XXXX XXXX XXXX XXXX, 2021 {$2700.00}

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 non-monetary relief
Consumer complaint received 2024-02-07 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: CA

Complaint narrative:
After checking my credit report, I have found that there has been a fraudulent account opened under my name without my authorization! I had no idea that my personal information was being used and I am in shock. I have filed an identity theft report with the FTC which will be attached. This account was opened without my knowledge and consent. It should be removed from my credit report! 

The details of the subject account are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2021 {$2700.00}

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 non-monetary relief
Consumer complaint received 2024-02-07 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:
XX/XX/year> TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX RE : Reinstatement of Fraudulent Account Dear TransUnion compliance officer.

This is a final notice regarding my Identity theft issue. I have file multiple disputes via certified mail and with the CFPB with no resolution in this matter. Today as I reviewed my credit report, I notice an account that was deleted due to Identity Theft was reinstated on my credit report. I believe that Transunion have failed to permanently block these accounts to prevent them from being re-reported. TransUnion has violated the FCRA several time. Willful non-compliance.

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. I would like to point out that these accounts were the result of Identity Theft and under FCRA 605 ( B ) I am entitle to the block.

TransUnion sent me a letter dated XX/XX/year> that as a result from their investigation the account were deleted. See attachment. 

PLEASE PERMANENTLY BLOCK THE FOLLOWING ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I also file a direct dispute with TransUnion via phone. Spoke with a Supervisor XXXX who said that there is nothing he can do, and that the investigation will take XXXX days although this was already deleted from my file.

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 2024-02-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( 15 USC 1681 Section 602 ( a ) ), it is emphasized that consumer reporting agencies, such as TransUnion, XXXX, and XXXX, must carry out their responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. As the consumer, I assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which articulates Congress 's policy that financial institutions must actively and continuously uphold customer privacy. Under the definition provided by this title, a " furnisher of information to credit agencies '' is considered a financial institution. Referring to 15 USC 1681 Section 604 ( a ) ( 2 ), it is stated that a consumer reporting agency may furnish a consumer report only in accordance with the written instructions of the relevant consumer. I want to make clear that neither the financial institution nor the consumer reporting agencies ( TransUnion, XXXX, and XXXX ) have my consent to furnish this information, and they have never obtained my written consent through any means. Consequently, any and all consent granted to these entities is hereby revoked. Furthermore, as per 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless the consumer is informed about how to exercise the nondisclosure option. I assert that the " furnisher of information to credit agencies '' failed to inform me of my right to exercise this option. Highlighting 15 USC 1681 ( c ) ( a ) ( 5 ), it is explicitly stated that a consumer reporting agency may not include certain adverse items of information in a consumer report without authorization. The inclusion of adverse items without my permission is a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A states that furnishing inaccurate information to a consumer reporting agency is prohibited. XXXX and XXXX are not maintaining reasonable procedures, as mandated by 15 U.S. Code 1681 ( e ), designed to avoid violations of relevant sections. Finally, in accordance with 12 CFR 1016.7, I exercise my right to opt out of your reporting services at any 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 non-monetary relief