vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to file a complaint against TransUnion Consumer Solutions regarding their failure to conduct a thorough investigation and provide detailed information as required by the Fair Credit Reporting Act ( FCRA ). 

I disputed certain information on my credit report with TransUnion, and despite their acknowledgment of the dispute, I received a response that lacked the necessary details about their investigation. Then I requested more details of their investigation, and they only began the investigation process all over again and ended up with the same vague result. 

I am specifically concerned about : 1. The lack of detailed information regarding the methods used to verify the disputed information.

2. The absence of names and contact information for third parties, creditors, or data furnishers contacted during the investigation.

3. The failure to provide specific documentation or evidence used to verify the accuracy of the disputed information.

4. The absence of any statements or notes related to the investigation, including the date and individuals involved. 

I believe that TransUnion has not fulfilled its obligations under the FCRA, they have abused the dispute process and continue to fail to conduct a thorough investigation. I request that the Consumer Financial Protection Bureau investigate this matter thoroughly as I have received adverse actions based on these inaccurate accounts. I have been affected by the XXXX data breach, as well as Identity Theft so it is TransUnion grave responsibility to comply with the FCRA. 

Thank you for your attention to this complaint. 

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 2024-03-04 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: WA

Complaint narrative:
I have submitted a complaint on American Express before, but I forgot some very important information so I am hopeful that you will take another look at my complaint. 

I was an Amex customer for more than 17 years. 

I paid my balance in full and on-time each and every month. 

I had a Gold card and I had a XXXX XXXX. I also got a XXXXXXXX XXXX for my son. 

I had put a limit on my son 's card that he went over routinely. I had questioned " why ''? I was not given any answers from American Express. After dealing with this issue for months and months, I called Amex and I asked why the card was going over its " limit and I was given wrong information and then hung up on. This made me angry. So, I called back and the person I spoke with next was also not very helpful. She did not seem to care nor empathize with my plight. I used a swear word. She told me she would get my account closed for this and she would be glad doing it. 

But, here is the thing. Per the credit card rules you can not close someone's card if they have a dispute -- which I did, and which Amex never did anything or in any way to deal with or help me solve. They simply closed my account, and in doing so never helped me with my problem. They also took away credit that I badly needed and they hurt my credit score badly which caused me a hardship. 

This should not have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX I received a text from Capital One asking if I was the one making a purchase of {$240.00} at XXXX  replied no. Logged onto my app saw there had been previous transactions high amounts $ XXXX which I never received notification of. They didnt flag these which I never authorized. Someone stole my card and had been using it for 5 days. I called the fraud department on the same night of XX/XX/XXXX to let them know transactions from XX/XX/XXXX and forward hadnt been authorized by me. On XX/XX/XXXX Monday they sent me a letter saying they have investigated and there wasnt enough evidence to prove the fraud. How is this possible? Please help me out Im a XXXX parent and only use the credit card when needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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: TN

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following XXXX loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all XXXX XXXX the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated. So, please update these accounts due to the inaccuracies that are being reported.

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 2024-03-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX - Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX XXXX - Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I made numerous email requests of the following message- This message is time sensitive and in regards to the above mentioned account. As of XX/XX/XXXX this loan was paid off. I am currently working on refinancing my house and need information about this loan. I have received a transaction history and account statement letter. However neither of those provide information requested by my mortgage lender because your company doesnt update the credit bureau as soon as a change is made but at the end of each month. The auto generated account statement letter does not state the account is closed, in good standing, and no longer delinquent. Please send a letter as follows below. 

I need a letter on company letter head With my name Account number - XXXX Last payment made and amount Current account balance - {$0.00} Current account status ( closed- paid in full, in good standing and not delinquent, no current late payments ) As a consumer I have a right to receive the requested account information. This can be faxed directly to my mortgage broker at ( XXXX ) XXXX. 

Thank you for your time and urgency, XXXX XXXX - XXXX XXXX ( XXXX. ) Each time I was sent the same letter that had no change to the letter and was inadequate per the credit bureau and my mortgage broker. 

I also called numerous times, spoke with several different people, several different supervisors and even requested a call back from the division manager who never called me to. I was told they are not allowed to write letters with information I requested, information to correct the account information with credit bureaus. The loan was paid off 100 % and I am in the process of refinancing my home and this needed to be done in order to move forward.

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 2024-03-04 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
took a look at my credit report and noticed inquires on your report i did not authorize or apply for which violates my consumer rights under 15 USC 1861b ( c ) and i would like these removed because it had a bad impact on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Mitsubishi Motors North America, Inc.
State: AZ

Complaint narrative:
- **Business Name : ** XXXX Mitsubishi - **Business Address : ** XXXX XXXX XXXX XXXX, XXXX, AZ XXXX XXXX Involved : ** Auto Financing/Additional Add-ons **Issue : ** Unfair Practices/ Misrepresentation **Complaint Details : ** On XX/XX/2024, I entered into an auto financing agreement with XXXX Mitsubishi for the purchase of a vehicle. As part of this agreement, I was explicitly charged an additional {$790.00} for a XXXX XXXX tint, which was represented as a pre-installed product on the vehicle I purchased. This was not presented as an optional service but as a pre-existing enhancement to the vehicle, thereby influencing the total financing amount and the terms of my agreement. 

Suspecting the tint had not been installed, I sought independent verification from XXXX 's XXXX XXXX XXXX XXXXXXXX on XX/XX/2024. Their professional assessment confirmed that no aftermarket tint had been applied to the vehicle, directly contradicting the terms of the financial agreement based on XXXX Mitsubishis representations. 

Upon confronting XXXX Mitsubishi with this discrepancy and seeking a refund for the misrepresented product, I was met with refusal. The dealership inaccurately claimed the charge was for a service a claim contradicted by the sale 's context and cited my reluctance to return the vehicle for inspection to a dealership located XXXX hours away as a basis for denying the refund. This stance disregards the financial impact of their misrepresentation on the terms of my auto financing. I did not pay for an aftersale service. I paid for a product that was supposed to have already been installed. 

**Desired Resolution : ** I seek a full refund of the {$790.00} falsely charged for the non-existent XXXX Ceramic tint, a correction to my financing agreement to reflect this refund, and any adjustments to the interest or terms that may result from this correction. This resolution is essential to rectify the financial and contractual inaccuracies resulting from XXXX Mitsubishi 's unfair and deceptive practices. 

I request the CFPB 's assistance in addressing this matter, ensuring the enforcement of fair financial practices and the integrity of consumer financial agreements. 

Thank you for your attention to this matter and for your work in protecting consumers from unfair financial practices. 

Sincerely, XXXX

Company response to consumer: Untimely response
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Someone bought a phone in my name and I knew nothing about it. Jefferson Capital is attempting to collect a debt that I do not owe. Also in the process of filing this collection Jefferson Capital has ruined my credit score and made it impossible for me to qualify for any new accounts or trade lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Since 1 year ago I have been trying to close the account TJX Rewards Account Number { XXXX } Because I no longer use this account. 
The problem is that they are charging me to my XXXX debit card number { XXXX } a continuous monthly amount between {$66.00} and {$69.00} dollars without any debt. 
I already contacted XXXX bank to stop the recurring transaction by Synchrony Bank WEB ID { XXXX } but they can not do it because it is an ACH debit ( electronic payment made from one bank ). 
Then when I asked TJ Maxx to cancel the card, they argument they can not because there is an amount in favor. 
I dont know why they are referring an ACH debit but as a fact I need to cancel the recurring charge and Cancel the TJ Maxx card.

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 2024-03-04 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-04 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-03-04 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: TX

Complaint narrative:
On XX/XX/2023 i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only XXXX percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NC

Complaint narrative:
There are multiple fraudulent items on my credit report. I have submitted multiple disputes and FTC report regarding these fraudulent items on my credit report that dont belong to me but they are still reporting on my credit report. I do not have a record of doing business with these companies. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
I deposited over {$2000.00} in my account, and saw a charge called miscellaneous charge for {$150.00} that I didnt spend and no reason

Company response to consumer: Closed with explanation