vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
This was matter of identity theft and discrimination

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: FL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I looked at my report and it's not accurate. BANK OF AMERICA account with a balance of approximately {$460.00}, and account number XXXX. I do not recognize this account and do not owe any money to it.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has consistently reported the XXXX XXXX XXXX XXXX Account ending in # XXXX, with a balance. It should be reported as a XXXX balance. This account was paid in full in XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Ive told this company to stop increasing my credit line and they continue to increase my credit line. I spoke today with employees XXXX and XXXX of this illegal practice of bait and switch.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Since opening my account, I have called Chase several times regarding my XXXX XXXX club number being incorrect in their system. However, each time the agent shares that they have updated it, it has not been updated. As a result, I have not received any XXXX rewards points for the entire time I have had this card open. Each time I call ( weekly since XXXX ) Chase advises me to call XXXX and XXXX advises me to call Chase. 
The correct number for my XXXX executive account is XXXX. Chase removed the XXXX so the points are going to a different customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2024-09-21 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: GA

Complaint narrative:
This account was opened without my consent. I have no relationship or contract formally binding me to XXXX. I sent Experian this letter because this was proved and removed from my XXXX account as well as XXXX. Therefore Experian is reporting this inaccurately. Below is the letter I sent in. 

Subject : Dispute of Inaccurate Reporting - XXXX XXXX XXXX XXXX Account # XXXX Dear Experian Dispute Department, I am writing to formally dispute the accuracy of the information reported on my Experian credit report regarding an account listed as a charge-off. The account in question is identified as Account # XXXX and is reported as having a balance, which I believe is incorrect. 
This account was previously disputed and successfully removed from both XXXX and XXXX reports. However, it remains on my Experian credit report with a charge-off status and an outstanding balance. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681, the reporting of inaccurate information is a violation of federal law.

I kindly request that you investigate this matter and delete this account from reporting on my credit. Please correct this error as soon as possible and provide me with written confirmation once the update has been made. Additionally, I request that you send me an updated copy of my credit report reflecting these changes. 
Thank you for your prompt attention to this matter. Please contact me at XXXX or XXXX if you require any additional information. 
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 2024-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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, XXXX, and Transunion 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 non-monetary relief
Consumer complaint received 2024-09-21 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: NY

Complaint narrative:
I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.

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 2024-09-21 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: NY

Complaint narrative:
I'm writing to express my concerns about some issues I've encountered with the credit bureau, including incorrect account listings, unauthorized inquiries, inaccurate credit reporting, and billing mistakes. I need help resolving these issues to ensure my financial security.

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 2024-09-21 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: SC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2024-09-21 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:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: 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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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 XXXX  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 XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  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 2024-09-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I have good credit XXXX XXXX Payment history So when a collections for {$120.00} showed up on my credit report, it was very alarming Upon calling the company, they also agree that they thought it was fraudulent. But they wanted me to pay them a {$190.00}. 
To take it off my credit report completely and sign up for .It 's credit monitoring for XXXX dollars a month I feel like this is a big scam. If I pay the {$120.00} now I have a collection on my credit report for XXXX years Unless I pay them a {$190.00} and XXXX dollars a month. They are saying that the debt is associated with XXXX. 
Which I currently have, and I am in good standings with I went to the address associated with this debt, and it is a vacant building.

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 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: CO

Complaint narrative:
I need Chime to honor my durable power of attorney that we completed XXXX  years ago when we got married. They are requiring witness signatures on the document but that wasnt what we were directed to do by the lawyer. The poa is XXXX signed and notarized so I cant alter it. My husband was in a wreck in XXXX, XXXX  on Tuesday and he is XXXX  and XXXX. Im in XXXX, XXXX  and I need access to those funds to travel to XXXX. I am also his XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/XXXX I send a transfer to my mother in XXXX with Reference Number XXXX. Moneygram ( MG ) often changes their website and options to send funds. When I logged on, the pricing and transfer way structures were different and it prompted me to select which bank I wanted the money to be picked up at before sending the transfer. The two options available were XXXX XXXX XXXX and XXXX XXXX. After consulting with my mother, I sent it to XXXX XXXX XXXX. The money was available immediately according to MG email. My mother went to receive the funds the next day but according to the bank teller no funds were available at that number. I reached out to MG and they told me the money was available and that she should now try another bank. She did but the funds were not available there too. MG was no help and continued to insist that the funds were available. My mother went every single business day to check but the funds weren't available up until Tuesday XX/XX/XXXX. The funds were now available, however the teller told my mom that the bank wouldn't give out money from transaction with purpose of funds as Gift or Bills. When I sent the funds, I always selected Bills, because I send money so that my mother can pay her bills. MG didn't inform me of this regulation at this particular bank or if new regulation of the country. I have always sent money for Bills prior to this and never had an issue. MG said there is no way to change the purpose of transfer except to cancel the transaction and submit again. However the fee of {$8.00} will not be refunded and I will have to pay a new fee, now {$9.00} to send another transfer. Basically robbing me of a fee and raising it just to resubmit the same transfer that they failed to process on same day as promised and failed to deliver at all because of a technicality allowed by their website/system. I asked to raise a complaint with number XXXX, but they said it will take up to 90 days for it to be reviewed, which is egregious.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates the collection, dissemination, and use of consumer credit information. It doesn't have a specific " code '' for reporting on your credit report without permission, but it does outline certain protections. 

Key provisions related to reporting without permission include : Permissible Purpose ( 15 U.S.C. 1681b ) : This section states that consumer reporting agencies can only provide your credit report for specific purposes, like when a lender is considering a credit application or when a potential employer performs a background check ( with your consent ). 

Unauthorized Access and Reporting : Under the FCRA, if someone obtains or reports your credit information without a valid reason ( known as " impermissible purpose '' ), this is a violation of the law. 

If your credit information is accessed or reported without your permission, you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or potentially take legal action against the party in violation.

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 2024-09-21 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: WY

Complaint narrative:
Consumer name : XXXX XXXX XXXX consumer XXXX : XX/XX/XXXX consumer social security # XXXX I am victim Of idenity theft and fraud/date breach and am attaching an FTC report # XXXX as proof.I have disputed this account with XXXX transunion and XXXX and have submitted an FTC report with each Complaint.Account name : XXXX  : account # XXXX opened on XX/XX/XXXX with a balance of {$63.00} according to the fcra 15usc1681 c-2 I am demanding that within 4 business days of receiving this complaint to block/delete this account from my consumer reports.

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 2024-09-21 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: NC

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

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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Company - CapitalOne Amount - XXXX 15 USC 1692c ( c ) states that if a consumer notifies a debt collector in writing that they refuse to pay a debt or want the debt collector to stop communicating with them, the debt collector must stop communicating with the consumer about that debt. Please remove from credit report or I will be taking legal actions.

Company response to consumer: Closed with non-monetary relief