vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
hello good day sir / madam, I would.like to make complaints about american express hilton credit card. I have 2 cards from american express hilton cards,, First the surpass hilton american express card and the other one is aspire hilton american express card which was offered as upgraded and i paid XXXX usd, and i requested via chat to cancel my old surpass card, however it was not intention and my mistake that aspire american express card that i paid XXXX was cancelled instead of surpass hilton american express credit card, i called them about the incident and thet disallowed and not to consider and they want me to apply and pay again for XXXX I hope you can help me in this matter Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
1. I was removed as an authorized user on the XXXX XXXX credit card ( I confirmed with XXXX XXXX over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

2. Bank of America is reporting two open credit cards on my credit report, I only have one. Confirmed with BOA in numerous occasions that I only have one credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
1. I was removed as an authorized user on the XXXX XXXX credit card ( I confirmed with XXXX XXXX over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

2. XXXX XXXX XXXXXXXX is reporting two open credit cards on my credit report, I only have one. Confirmed with XXXX in numerous occasions that I only have one credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
1. I was removed as an authorized user on the XXXX XXXX credit card ( I confirmed with XXXX XXXX over the phone ) under my ex husbands account ( XXXX XXXX ). It is showing on my credit report after numerous attempts to remove. 

XXXX XXXX XXXX XXXX XXXXs reporting two open credit cards on my credit report, I only have one. Confirmed with XXXX in numerous occasions that I only have one credit card ( ending in XXXX ). The one starting with XXXX is not mine or needs to be closed. It is showing on my credit report after numerous attempts to remove.

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 2024-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
In XXXX of this year, I reached out in hopes of getting LVNV to remove these 2 fraudulent accounts from my XXXX Credit Report. I received a letter on XX/XX/24 saying they will not remove it without a Police Report. I am attaching the police report. For the last several years, LVNV/Resurgent has been harassing me and is in violation of : 15 USC 1692 C ( A ), 15 USC 1692 D ( 2 ), and 15 USC 1692 C ( A ) I do not have any contract with LVNV Funding and never received one after a request was made. What they sent ( a print out of an alleged bill ) is not acceptable and illegal. Even the print out said information may not be accurate. This collection is INACCURATE and needs to be deleted immediately! I do not owe this collection company and have never signed any documents or agreements with them! This is in violations of the CDIA laws!. **This collection account is not accurate, verifiable, nor is it compliant to CDIA or FCRA laws. Fraudulent misrepresentation is a crime punishable by the law and you are committing it Also you are violating my consumer rights to fair credit reporting. Please delete this off my report! Let me remind you of the importance of removing any unproven claims from your reporting about this account. As the data reporting provider, it is imperative that you adhere to the minimal criteria required to report with the privilege to do so. Failure to meet these standards raises concerns about the validity of any and all claim that you make, especially with regards to the mandatory Metro 2 Compliance standards. As you are aware, these standards are clearly outlined in the CDIA 's nearly annual CRRG, which stipulates that any deviation from these standards risks compromising the integrity of the data. Please DELETE ASAP! I am in the process of closing on a Mortgage in a few days and these 2 accounts are hurting my score. I request a removal within 3 business days and for XXXX to be notified to remove it as well because they are violating my consumer laws too by not making sure this was a legal and verified debt. XXXX was supposed to remove it while they investigated and never did or provided any proof outside of a copy of my credit report that said " Verified ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the cessation of reporting my credit information in accordance with my right to opt out under 15 U.S.C. 1681 and 15 U.S.C. 6802. Additionally, I request the removal of any past, present, and future credit information related to my accounts from all credit reporting agencies. Below are the details of the accounts I hold with your company and the credit reporting agencies they are associated with : Account Details : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition to ceasing the reporting of my credit information, I request the removal of any past and present information related to these accounts from all credit reporting agencies. Furthermore, please ensure that no future information about these accounts is reported. 

I also request the removal of any address from my credit reports that does not match my current address XXXX XXXX XXXX XXXX XXXX XXXX Please confirm in writing that you have received this request and that all relevant information will be removed and no longer reported. Additionally, please notify the relevant credit reporting agencies to remove my information from their databases and to update my address information accordingly. 

Thank you for your prompt attention to this matter.

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 2024-05-15 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally request the cessation of reporting my credit information in accordance with my right to opt out under 15 U.S.C. 1681 and 15 U.S.C. 6802. Additionally, I request the removal of any past, present, and future credit information related to my accounts from all credit reporting agencies. Below are the details of the accounts I hold with your company and the credit reporting agencies they are associated with : Account Details : Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Equifax ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX In addition to ceasing the reporting of my credit information, I request the removal of any past and present information related to these accounts from all credit reporting agencies. Furthermore, please ensure that no future information about these accounts is reported. 

I also request the removal of any address from my credit reports that does not match my current address : XXXX XXXX XXXX XXXX XXXX  Please confirm in writing that you have received this request and that all relevant information will be removed and no longer reported. Additionally, please notify the relevant credit reporting agencies to remove my information from their databases and to update my address information accordingly. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

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 2024-05-15 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 respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Date of birth XX/XX/XXXX SSN : XXXX Experian XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Dear Experian : ATTN : DISPUTE/CLIENT RESOLUTION SPECIALIST RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the below inquiries : XXXX. The inquiry was not authorized XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.

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 2024-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Safe Harbor Funding LLC
State: MA

Complaint narrative:
I got a loan thru this company. The first issue came when my bank account was hacked and I was able to reverse payment back to them but they were strong arming me into making a payment so I would have had to come up w the car payment three times in a week for them when it would just be three days for the reversal to post. They were on me every day about making my payment but did not inform me when they received the payment.. XX/XX/XXXX car payment is due XX/XX/XXXXXXXX XXXX XXXX XXXX  they repossess the car. Now I had been emailing and corrosponding with them and never once did they say the car was up for repossession in any email they told me I was driving the car too much and put too many miles on it they accused me of living someplace else because I have a sick dog so I spend a lot of time in a location they used all Of my gps info to make a case as to why they repoed my car they towed it over and hour away and told me they wouldnt work anything out with me and if I want the car I got ta pay the rest of the loan I cant get down there to clean out my car now that I have no transportation and wouldnt be able to pay the tow fee for an hour away now they will clean the car and resell it on a lot in mass and I unjustly lost a car I was paying on Im homeless and that was my dog and is shelter as well. The companys name is Auto Link XXXX XXXX XXXX wish I had an account number but I never even got that

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SOFI TECHNOLOGIES, INC.
State: OH

Complaint narrative:
I created a sofi bank account in mid XXXX and received my first direct deposit on XX/XX/XXXX for {$4800.00}. Everything seemed to go through OK but my account was frozen the next day. I called daily and after a few days the restrictions were lifted on XX/XX/XXXX or XXXX. After the restrictions were lifted I paid a couple of bills and thought everything was OK. Within 3 days of lifting the restrictions, my account was restricted again. After 2 weeks of multiple daily phone calls, I was told that I violated the terms of service and that my account would be closed and that the money would be sent back to the company who deposited it. Annoying but fine, I can just have the company re-issue the payment to another bank I thought. It is now XX/XX/XXXX and sofi still hasn't refunded the money. Over 3 months later and I still have over XXXX XXXX XXXX  locked up in Sofi. This is theft at this point. I have called and emailed over 50 times in the past months and still nobody can do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-05-15 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: PR

Complaint narrative:
I want to dispute several inaccuracies present on my credit report. Upon thorough review, I have identified multiple errors that require immediate correction. 
XXXX. Incorrect Name Listings : XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Date of Birth : Incorrect : XX/XX/1983 Correct : XX/XX/1983 XXXX. Erroneous Addresses : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PR XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never resided at any of the above-listed addresses. 
Additionally, I request that my address be updated in your records to reflect the following : XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, PR, XXXX Enclosed are copies of documents supporting my correct name, date of birth, and current address. 

Per the Fair Credit Reporting Act, I kindly request that you investigate these discrepancies promptly and take the necessary steps to rectify them. Furthermore, I ask for written confirmation of the actions taken to address these errors, as well as an updated copy of my credit report reflecting the corrections made. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: PA

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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 2024-05-15 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: PA

Complaint narrative:
I'm resending my dispute letters since I didn't get the full resolution to my concern. Again, YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section.

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