vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-10 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XXXX BOA fraudulently took a payment of XXXX from a closed \bank account from XXXXXXXX XXXX  XXXX they returned funds for the payment that never went through from closed chase account, doubled charges on my credit card to XXXX, actual payment owed is XXXX XX/XX/year> ANNUAL FEE ADJUSTMENT - {$59.00} XX/XX/year> RETURNED PAYMENT UNPAID {$1500.00} XX/XX/year> PAYMENT ADJUSTMENT {$1500.00} XX/XX/year> BA ELECTRONIC PAYMENT - {$1500.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$3000.00} XXXX transaction for Transaction date : XX/XX/year> ANNUAL FEE ADJUSTMENT XX/XX/year> XXXX transaction for Transaction date : XX/XX/year> ANNUAL FEE ADJUSTMENT Type Fees - {$59.00} {$3000.00} XXXX transaction for Transaction date : XX/XX/year> RETURNED PAYMENT UNPAID XX/XX/year> Expand transaction for Transaction date : XX/XX/year> RETURNED PAYMENT UNPAID Type Payment {$1500.00} {$3000.00} XXXX transaction for Transaction date : XX/XX/year> PAYMENT ADJUSTMENT XX/XX/year> XXXX transaction for Transaction date : XX/XX/year> PAYMENT ADJUSTMENT Type Payment {$1500.00} {$1500.00} XXXX transaction for Transaction date : XX/XX/year> BA ELECTRONIC PAYMENT XX/XX/year> XXXX transaction for Transaction date : XX/XX/year> BA ELECTRONIC PAYMENT Type Payment - {$1500.00} {$50.00} Beginning balance as of XX/XX/year> {$1500.00}

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 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
See previous description. On my Citi double cash card, I called to ask for a refund on fees charged of {$30.00} a few times and they agreed to reverse those charges. I was charged those fees because in the app it only lets you pay your bill from your " default bank account '' - there is no dropdown to select a non-default bank account. I had closed my default bank account and did not realize that it was trying to get payments from my closed " default '' bank account until all of the charges posted. I can't get into see my activity, such as a recent {$1000.00} payment, and no one knows on their end why it closed. Was it too much charged at once, was it because I asked for a refund of the charges? A couple days prior to the account abruptly closing ( and me finding out for myself it had closed by getting declined a couple times at restaurants and me looking into it onlin ), I charged {$5000.00} for my attorney. Was it because of this? I'm not sure and now I can't see payments credited or any activity. It still only shows the old balance and no one can answer my questions. This is very frustrating and some type of activity needs to take place so that this also doesn't happen to others. Again, I wasn't close to my credit limit and I have had this card for 10+ years with nothing like this happening previously. I have a XXXX credit score per their site on a scale of XXXX. If you could look into this, I would greatly appreciate 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 non-monetary relief
Consumer complaint received 2024-10-10 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: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems obtained my personal information without my consent. I have no knowledge of the company/person. I do not know who this person/company is. I have never did business with this person/company, nor did I ever agree to do business with this person/company. There is no signed contract, and I am not responsible for any alleged debt with this person/company. I did not agree to any type of communication with this person/company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
Maintaining timely payments for this account has been a consistent practice, making it distressing to encounter issues that are not of my making. Urgent rectification of my account and removal of any erroneous information causing undue stress are strongly requested.

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 2024-10-10 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: CA

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: IL

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2024-10-10 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: GA

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA

Complaint narrative:
Lexus financial services received my payoff cashiers check by their own admission XX/XX/XXXXXXXX I was advised they are behind in processing lease payoffs and it will take 30-45 days to complete. We are past that time, the payment was never applied to my lease acct leaving it to show delinquent. Lexus has reported my payment as 30 days past due to the credit bureaus although they have been paid in full for the vehicle. This has caused my credit score to drop XXXX points. 

The company has also practiced poor business in terms of my basic warranty thet are saying expired XX/XX/XXXX as the date of 1st use. I purchased by lease the car XX/XX/XXXX and was advised the warranty was XXXX miles or 48 months whichever comes 1st and my vehicle had XXXXXXXX XXXX the warranty would end XXXX. I was not advised of the 1st date of use clause nor that by getting the demo vehicle would take away from my warranty. 


The check engine light is on and I took it to a dealer out of state as were traveling and was told the vehicle is out of warranty 14 days so I would have to pay for the diagnosis & repair. Huge inconvenience as we need to get back home to GA and cant pay for the charges. Lexus has a case open to investigate the discrepancy XXXX but now were stuck. Horrible way to do business and I will never buy or do business with Lexus again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-10 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 lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, XXXX, and Transunion data breach.

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 2024-10-10 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 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 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 2024-10-10 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: U.S. BANCORP
State: CT

Complaint narrative:
I was using my credit card to pay for parking with an online parking app. My credit card information was stolen in the process and a fradulent charge was made. The credit card company, US Bank, suspended usage on that card and sent me a new card. A week later I tried to use the new card, but the charge did not go through. I called US Bank and the customer service person informed me the account was closed, but couldn't or wouldn't tell me why. I then asked to have my rewards balance of {$600.00} sent to me. The customer service person transfered me to the verifications department. This customer service person told me the account is closed and could not give me my awards balance. I asked why and the response was " I am not authorized to give you that information ''. I asked who can give me this information. She gave me an address to write to. A XXXX XXXX XXXX I wrote a letter and sent it to the address XXXX weeks ago and have not received a response.

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 2024-10-10 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: GA

Complaint narrative:
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

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 2024-10-10 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 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 Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I am filing a complaint against American Express regarding the denial of two business credit card applications I submitted on XX/XX/year> for the American Express XXXX XXXX XXXX. The applications were for two separate businesses, XXXXXXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX and XXXX XXXX, for which I provided valid EIN numbers. However, I was compelled to provide my personal Social Security number with the explanation that it would be used only to verify my identity, not to run my credit. 

This action violated Social Security Act, Section 1107 [ 42 U.S.C. 1307 ], 42 U.S.C. 405, and 42 U.S.C. 408. After having a CUSIP audit performed, I discovered that my Social Security number was used improperly, appearing on XXXX with a CUSIP number associated with American Express. When I requested copies of my applications, the agent informed me they could not send them, so I asked for the applications to be destroyed. Despite this, it appears my applications were traded, which suggests a serious violation of my rights. 

At the time of my applications, I was unaware of the relevant consumer protection laws, but I believe that American Express, as a sophisticated entity, took advantage of my lack of knowledge. This misuse of my personal and business information, coupled with the denial of both applications, constitutes fraud and exploitation of my businesses and myself. 

I am seeking appropriate remedies for these violations and request a prompt investigation into this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-10 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: SC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Lien release
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Of America has not provided me with every evidence and the whole file they have on me that I asked will never call me back. They sold my debt to another company and they have lean on my house XXXX and remove the Lien and they didnt because I did not make the charges on this equity line. I have no idea how chargers got on my equity line I only ever spent XXXX and now the debt was interest is {$81000.00}.

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 2024-10-10 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: AL

Complaint narrative:
Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2024-10-10 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 previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted 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 2024-10-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My credit card information was stolen and there were about {$6000.00} of fraudulent charges. I disputed the charges with Citi. They gave back around {$1500.00} but the rest is still pending. They closed my old account and issued a new card. However I am still getting fraudulent charges on my old account which then transfers to my new account. The experience is very frustrating. I have called them on multiple occasions and they tell me they are working on it but may take up to two billing cycles. I asked what I should do with the fraudulent balance and they could not provide a straight answer typically saying it is up to you. The fraudulent charges occurred on XXXX XXXX. The new fraudulent charges were on XX/XX/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 monetary relief