vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
FBNO bank does not have an option to see the amount that the credit card holder has scheduled to be paid. The company does not send an email confirmation, post it on the credit card holder 's online account, or show any way to see the scheduled payment UNTIL AFTER IT HAS POSTED. Due to this, I have had more than one payment be for a different amount than I believe I scheduled. I have no proof to say that I scheduled a different amount. This is a deceptive practice, and it should not be allowed. When I call, FNBO can not cancel the payment. They suggest I call my bank and set up a stop payment - another fee. This is the only option as when this happens, it ties up my account for days, trying to process the payment. The payment gets denied, and then a few days later FNBO tries AGAIN to debit the payment, tying my account up again. In the meantime, I try to schedule a payment to avoid the late fee for what I know will be a missed payment, and I can't, because there is no balance due. This is a deceptive practice that is not consumer friendly- in fact it is detrimental to consumers. In my case, it is tying up my account and other transactions can't go through, resulting in more fees and hassle for myself.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-18 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:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase Bank refused to help me for charges originally disputed in Feburary 2024, I called to check the status of the dispute on XX/XX/XXXX because I had not heard or received the funds I am entitled to recover according to my contract, Chase Bank stated the employee never filed the claim on my behalf and that they didnt even see where a claim was noted on my account leaving me devastated, I am being refused service and given dishonest responses from the bank now that they are still responsible, I was denied benefits from a irresponsible employee and being given excuses as a result of poor customer service on their behalf, I have been deceived by Chase Bank XXXX they will not honor their mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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:
I am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and anxiety. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit 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 2024-06-18 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 am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and anxiety. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit 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 2024-06-18 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: IL

Complaint narrative:
I went to go look At a car, and as we were going through the process both me and XXXX other employees at XXXX XXXX XXXX had come to the conclusion that I did not want to send the report out to a banking company. I left the facility and XXXX days later. I randomly got a call saying that they had adjusted the price by {$600.00} and got me To where they I wanted my payment. I told them I did not want them running my credit and all they had to say was it should fall off in a month and that a XXXX credit pull will not affect my credit.that is false information, it does affect my credit. There have been other calls back to me as well saying they would help me and look into it and now no one has called me back. I am highly disgusted with the way this establishment claimed to be working for me and pulled the whole salesman talk about how they care not only about my purchase but my future and credit. The finance manager XXXX XXXX mentioned multiple times how that was the case, which is why we came to the conclusion together at the end before we sent anything officially to banks in order to get hard numbers. I told them I didnt feel confident in the way they were talking etc. which is why I ultimately walked. This is the short story version and will gladly explain it all, once again like I said I am highly disgusted with this company. Not only their service, but their attitudes and sales approach comes off as not only selfish but unethical.

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 2024-06-18 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 am writing with grave concern that fraudulent, inaccurate, and misleading entries continue to appear on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely disrupted my life, causing immense stress and anxiety. I must reiterate that I am a victim of identity theft and never authorized or approved the association of this fraudulent information with my name and credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX I put my van to fix at XXXX XXXX XXXX on XXXX XXXX but they didnt do their job correctly also lied to me that they replaced the parts which they didnt. So we had to go visit XXXX dealer and they recorded the video that my van was missing parts and not fixed but overly charged {$2100.00} by XXXX XXXX XXXX. I have included the experts letter from XXXX dealership so they can support my claims that XXXX XXXX did not do their job and charged my money.

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 2024-06-18 00:00:00
Product: Credit reporting 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: EQUIFAX, INC.
State: NC

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland credit Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Account # XXXX I am writing to you regarding the collection notice I received for the above-referenced account that is being reported OPEN. Please be advised that under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692c ( c ), I am exercising my right to refuse to pay this debt. 

I have no knowledge of this account and do not recognize any obligation to pay {$2500.00}. Additionally, I am aware of your internal policies and procedures through your manuals, which detail your compliance with FDCPA regulations. Based on this understanding, I hereby formally request the following : 1. **Cease all further communication with me : ** Pursuant to 15 USC 1692c ( c ), I demand that you cease all communication with me regarding this debt. This includes, but is not limited to, phone calls, letters, emails, or any other forms of communication.

2. **Stop reporting this account to credit reporting agencies : ** I also request that you cease reporting this account to any and all credit reporting agencies and remove any negative information you have reported about this account from my credit report.

3. **Provide valid proof of the debt : ** If you believe this debt is valid, provide me with a copy of the original agreement bearing my inked signature. Without this documentation, I have no obligation to acknowledge or pay this debt.

4. **Provide confirmation of your compliance : ** Please provide written confirmation that you have received this notice and will comply with my requests as stipulated under the FDCPA.

I expect your prompt attention to this matter and look forward to receiving written confirmation of compliance within 30 days of your receipt of this letter. Failure to comply with my requests will result in my taking further action to protect my rights under the law.

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: MO

Complaint narrative:
Last year I had a dispute with XXXX XXXX charging my card. I had to contact CFPB and it was resolved. A year later on XX/XX/year> US Bank allowed XXXX to charge my card my card again.

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 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding inaccurate late payment entries on my credit report. After thoroughly reviewing my credit file, I discovered these erroneous late payments listed despite my accounts being current. Over 30 days ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received a response or satisfactory resolution. I am respectfully seeking your assistance to rectify this issue.

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 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This is the third time that someone has tried to open a Chase Freedom XXXX XXXX in may name including XX/XX/year> ; XX/XX/year> ; XX/XX/year> the last time with the first name XXXX all which Ive been notified of via email. 

I have placed freezes on all of my credit reports I have contact Chase each time to deny the applications and also notified the local authorities in XXXX XXXX where I live. 

Im worried my information is out there and have been told theres nothing that can be done unless someone is successful in using my information. Can you please help me get to the bottom of this? 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: SC

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit reporting 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit was pulled without my permission or knowledge resulting in hard inquiries in my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I made charges on my Citibank credit card account ending in XXXX. Citibank accepted those payments. They then locked my card. I then paid off my card in full and they accepted payment on XX/XX/2024. They will now no longer allow me to use the card BUT NEVER TOLD ME SO! They are defrauding me by telling me that they accepted payment yet are failing to allow me to use the card. IN fact, I have tried o use the card and have been damaged din the process while it is being declined.

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 2024-06-18 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: International Computer Systems, Inc.
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear FST COLL SRV, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity fraud laws, specifically Missouri Revised Statutes Sections 570.223 and 570.224.

It has unequivocally come to my attention that FST COLL SRV has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section

1681b ( a ) ( 2 ). In addition to federal law, Missouri state law, specifically Section 570.223, emphasizes the necessity of consumer consent for the use of personal identifying information. Furthermore, Section 570.224 establishes clear penalties for unauthorized use of such information. These laws underscore the severity of unauthorized access and misuse of personal information.
I assert with unwavering certainty that I have not provided consent for FST COLL SRV to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand, with the utmost certainty, that FST COLL SRV immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 570.223 and 570.224 of the Missouri Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that FST COLL SRV will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: ProCollect, Inc.
State: MS

Complaint narrative:
I need to re-document and refile this grumbling to PROCOLLECT , INC . I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

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 2024-06-18 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
I am writing with grave concern regarding a derogatory rating appearing on my credit report. This negative mark has caused me significant worry and distress due to its detrimental impact on my credit standing. It has already adversely affected me by leading to the rejection of a recent loan application, as well as higher interest rates being applied to my existing credit accounts. I can not overstate the severe financial hardship and emotional toll this inaccurate negative rating has inflicted upon me, and will continue to inflict until it is properly remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-18 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: NJ

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following accounts and information. Block and remove it. Please also send me a copy of my updated report with the updated result of your investigation. These inquiries should also be removed.

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