vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
On or about XX/XX/2022 an auto loan was opened with CREDIT ACCEPTANCE CORPORATION under my name. When I identified this, I contacted the lender and requested information. The DOB they had on file was not the correct DOB to match me, and they wouldn't talk to me, even though they are reporting to my credit report.

After calling several times I was able to get someone in the phone who informed me the loan was in my name, and all identifying information matched mine, except the DOB. I was then instructed to email a copy of my driver 's license so they could update the DOB and report the account as fraud and close it. That has been at least 3 months and they have ignored my request. 

I have since filed a report with the FTC and notified the DMV in the State of Hawaii where the car was purchased. As to date, the license plate has not been renewed since the car was purchased in XX/XX/2022. 

I have also filed several disputes with credit bureaus, all of this have been denied. They now have a copy of the FTC Identity Theft report and said they are currently working to block this account along with several others that was purchased, along with another auto loan that was opened. 

( Documents Attached To This 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 explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: LA

Complaint narrative:
XX/XX/2023 : Attempted to find out why 'Hard Inquiries ' continue to be displayed on all of my Credit reports without my permission. Results are affecting my credit scores and remaining on my credit report for 2 years etc... I have pursued help to repair my credit records, and yet companies continue to conduct Hard Inquiries without my permission. Requesting for actions to STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XX/XX/year> : Attempted to find out why 'Hard Inquiries ' continue to be displayed on all of my Credit reports without my permission. Results are affecting my credit scores and remaining on my credit report for 2 years etc... I have pursued help to repair my credit records, and yet companies continue to conduct Hard Inquiries without my permission. Requesting for actions to STOP.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please review and remove this account from my report as this is an incorrect and false representation of me. I dont have any accounts with this company as of XX/XX/2024 I saw that XXXX XXXX  was trying to collect for XXXX XXXX please review and remove, I have reached out to the collections company to request written notification as it was never received. 


Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I called Chase bank asking to reduce my credit card payments. After discussing some options Bank representative named XXXX told me that he will set everything up and if 3 months of smaller payments will help me. I was told that instead of {$520.00} I will have to pay {$340.00} on XX/XX/year>, then another {$340.00} on XX/XX/year> and XX/XX/year>. He made the payment arrangements and sent me an email confirmation with the new schedule ( copy of the email attached ). 
On XX/XX/year> first {$340.00} was automatically paid from my checking account. 
On XX/XX/XXXX I discovered that my credit score decreased by XXXX points because of a 30 day late payment. 
I called the bank, opened complaints, requested for the recording of the conversation and not sure if any of those is gon na help to fix the problem Chase bank created for me. 
I am a XXXX XXXX XXXX citizen with XXXX XXXX doing everything to make the ends meet and getting this kind of unfair XXXX. This negative change on my credit report is a life changing thing for me who had never ever had any missed payments in my life. 
This was 100 % misleading and misdirection from a Chase Bank employee and I am kindly asking you to help me fix my problem. 

Find attached the payment arrangement schedule, screenshot from my chase mobile account showing that the payment was made on the date it was scheduled and even the late fee reversal ( probably because it is not supposed to be a late payment ). 


XXXX XXXX

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

Complaint narrative:
XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason.

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 2024-05-05 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: SC

Complaint narrative:
XXXX XXXX is continuously saying this information is verified and the consumer reporting agencies are updating it as valid when the consumer disagrees. The FCRA is being violated as 15 idc 1666b clearly states that no creditor can mark any payments as late for any reason.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Account Changes Account # XXXX Whomever : Har Har Har LOL ROFL Thats a good one!!! XXXX % interest. Great joke everyone. 

What? Wait? You mean this is NOT a misprint? Are you XXXX  kidding me? 

XXXX ( not only no but XXXXno ) Does your greed know no bounds? 

I have had this account since XXXX. In that time I have never needed to finance any purchase on this account and I seriously doubt I will ever need to in the future. Having said that, why would I choose to do ANY business with a greedy XXXX company like Shell? 

I REJECT these changes and instruct Shell to close this account immediately. 


Sincerely, XXXX XXXX XXXX : Congressman XXXX XXXX Senator XXXX XXXX Senator XXXX XXXX Consumer Financial Protection Bureau

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 2024-05-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX Please be advised, per my conversation with Capital One customer service supervisor, XXXX ( XXXX ), and customer service supervisor XXXX XXXX XXXX ) that there is no further recourse of action that can be taken for XXXX not reporting either credit cards on the consumer credit reports, when the consumer 's information was verified and sent to XXXX XXXX update credit reports with each account number respectively. The supervisor stated she will notate the account and was advised to contact XXXX. I spoke with XXXX customer service rep, XXXX XXXX, and was advised that the accounts in question can not be disputed because it is not reflected or reported by the creditor for previous dispute # XXXX. I was advised to contact Capital One for further assistance. I requested to escalate the file and was given case # XXXX. 

The following accounts are not reporting to my XXXX credit report : Capital One Savor Card ( Authorized User ) - Opened : XX/XX/XXXX Capital One Spark Business Card - Opened : XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). Additionally, according to the FAIR CREDIT REPORTING ACT/REGULATION V. Section 623 of the FCRA and Regulation V, generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer 's dispute that the furnished information is inaccurate or incomplete. 

As stated by my XXXX credit report, most of my Capital One Bank credit cards and co-branded cards are reporting, except for the above accounts mentioned. Please review and update my XXXX credit report with each credit card information accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Chime Financial Inc
State: NY

Complaint narrative:
Hi Im trying to get service with chime and they wont let me open a chime account for some reason is there a issue why they wont for me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I hold XXXX credit card with XXXX XXXX, initially with a {$10000.00} credit limit, which unfortunately reported a single XXXX late payment ( which I am disputing ). Recently, XXXX XXXX reduced my credit limit to {$7100.00}. However, TransUnion is now reporting XXXX separate accounts and XXXX late payments, which is inaccurate. I have raised this discrepancy with XXXX XXXX, but after their investigation, they have not rectified the error to ensure that only XXXX credit card account is reported to the credit bureau.

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 2024-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
I am a victim of a fraud, scam, and identity theft. I have been a loyal customer of USAA and XXXX XXXX for almost 30 years. My checking and savings account had several wire transfers of thousands of dollars ( totaling {$500000.00} ). Once the transfer was taken out, the transfer appeared back in my account so I figure all was okay. Despite several, stressful calls to USAA and XXXX XXXX, this issue was not resolved and the wire transfers were/have NOT returned back to my account. Even after they were made aware that I was a victim of identity theft. Someone has use my information to initiate wire transfers and sent my hard earned money to multiple people, and companies I have never heard of. Several other fraudulent transactions, loans, and credit card lines have been made on my accounts. 

List of Wire Transfer Dates : USAA : XXXX XXXX - {$48000.00} XX/XX/XXXX, XXXX {$25000.00} XXXX, XXXX {$75000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$30000.00} XXXX XXXX, XXXX - {$25000.00} XXXX XXXX, XXXX - {$47000.00} XXXX XXXX, XXXX - {$62000.00} XXXX, XXXX - {$10000.00} XXXX, XXXX - {$10000.00} XXXX, XXXX - {$10000.00} XXXX XXXX, XXXX - {$9000.00} XXXX XXXX, XXXX - {$5000.00} XXXX, XXXX - {$8700.00} XXXX XXXX, XXXX - {$10000.00} XXXX XXXX, XXXX - XXXX XXXX XXXX XXXX Savings Account : XX/XX/XXXX, XXXX {$50000.00} XX/XX/XXXX, XXXX {$50000.00} XXXX XXXX {$18000.00} XXXX ( Via XXXX  XXXX ) Transfers = XXXX XXXX, XXXX - {$1100.00}, and {$400.00} XXXX XXXX - {$1500.00} XXXX ( Via XXXX XXXX  ) XXXX {$4000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
I have had a loan that was supplied by the dealership for XXXX years now for a Newly purchased vehicle. The bank wouldn't open an online account for me so that I could make payments. I tried calling several times over a year and a half for several issues and never once had anyone pick up the line. I also tried their customer support email several times over a year, and there was no answer. Not even once. I had to turn on bill pay from my normal bank to send them a monthly physical check. I discovered this wasn't working when I got a notice of delinquency on my credit monitoring. I went to the bank to see what the issue was. They never opened the mail and didn't deposit the checks. They had been sitting on someone's desk! I asked what they would do to get the notice of my credit report, and I was told, " Oh, sorry, there's nothing we can do about that. '' So now I have to go into the bank every month, hand them a check, and watch them deposit it. Once, a couple of months ago, I got busy and missed going into the bank. They notified me about the missed payment on day XXXX and reported me the next day for being late. I just found out they filed another one for me today. I was in the bank earlier this week and made the payment! How can I hold them responsible for negligence and stop trashing my credit??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-06 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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
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 explanation
Consumer complaint received 2024-05-05 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: FL

Complaint narrative:
I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
The accounts are : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your 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 explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Leaders Financial Company
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to bring to your immediate attention a distressing situation regarding an ongoing dispute over a repossession ( LEADERS FINANCIAL COMP ). Despite my repeated attempts over the past five months to resolve this matter, I have not received any response. This lack of action has adversely affected my family 's ability to move out of a dangerous neighborhood due to credit bureaus ignoring my disputes and sending stallment letters. 

The continued disregard for my disputes and the resulting inaction by the credit bureaus have placed undue stress on my family, causing trauma and depriving us of essential resources. This situation is untenable and urgently requires your intervention to provide relief and resolution. 

I implore the Consumer Financial Protection Bureau to investigate this matter promptly, address the erroneous reporting, and take necessary steps to rectify the impact on my family 's financial stability. Your swift action in this regard is crucial to restoring peace and security to my family. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I checked my personal credit report and I noticed that these unauthorized inquiries had been made : XXXX XXXX XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX Requested On XX/XX/XXXX Phone ( XXXX ) XXXX I contacted the above creditors, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. 

Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. 
If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. 
If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.

Thank you for your help and assistance.

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
Since XX/XX/year>, my direct deposit schedule has been modified from the first of every month to the third, which has caused an issue with my credit card payment to American Express due on the third. Despite monitoring my direct deposit throughout the day, I have missed my credit card payment deadline by a few hours for the past three months. I contacted American Express 's online customer service to schedule my payment a few days out from the third to avoid late payments, but unfortunately, I did not receive any follow-up communication from their end. I have subsequently followed up each month, seeking an update on the issue and requesting the waiver of late fees as a courtesy due to the circumstances. However, I have not received any information regarding the same. Based on their review of my account, I have been informed that I do not qualify for the waiver of late fees. I can provide evidence of payment made a few hours after the due date to support my claim, if necessary.

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

Complaint narrative:
There was a hard inquiry for a credit card application on Equifax that is obviously does not belong to me ( multiple evidences : I did not made that application for that card at all and it was not on any other credit reports, I was also on vacation when that application occurred, I'm also a male and that is a card for make up company ) I have called and submitted on their website for more than 3 times, they did not ask for any further evidence from me, every time just close the dispute within a day without doing anything.

Company response to consumer: Closed with explanation