vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-12 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: FC HoldCo LLC
State: AZ

Complaint narrative:
I am writing to address a matter regarding my account with FLAGSHIP CREDIT ACCEPTANCE Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that FLAGSHIP CREDIT ACCEPTANCE continues to verify the information in question. 

I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXXXXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by FLAGSHIP CREDIT ACCEPTANCE is being blocked on a consumer 's credit report due to identity theft, FLAGSHIP CREDIT ACCEPTANCE must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ). 

Restriction on Debt Resulting from Identity Theft : FLAGSHIP CREDIT ACCEPTANCE may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). 

Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, FLAGSHIP CREDIT ACCEPTANCE may not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 623 ( a ) ( 6 ) ( B ) ). 

Prompt Notification of Inaccurate Information : If FLAGSHIP CREDIT ACCEPTANCE l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). 

Obligation to Supply Records : If FLAGSHIP CREDIT ACCEPTANCE l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). 

I trust that FLAGSHIP CREDIT ACCEPTANCE will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. 

I appreciate your attention to this matter and anticipate a swift resolution..

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 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Billing me for loans I did not take out or authorized. I did not sign or give permission to anyone to sign for me

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 2024-02-12 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: TX

Complaint narrative:
I am writing to express my frustration and disappointment with the lack of response to the disputes I submitted to TransUnion, XXXX, and XXXX regarding inaccurate information on my credit report. Despite providing detailed documentation and listing the violations they were making to my consumer report, it has been over 30 days, and I have yet to receive any response. 

This failure to address my concerns is unacceptable. The violations of FCRA 605 ( c ) and FDCPA 809b demonstrate a blatant disregard for consumer rights and legal obligations.

I demand immediate action to rectify these violations and ensure that my credit report accurately reflects my credit history. Enclosed, please find copies of all letters previously sent to your agency for your review and reference.

Failure to address this matter promptly and effectively will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your agency 's negligence. 

I expect a prompt response detailing the steps taken to address and rectify the inaccuracies on 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 2024-02-12 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:
I am writing to express my frustration and disappointment with the lack of response to the disputes I submitted to XXXX, XXXX, and Experian regarding inaccurate information on my credit report. Despite providing detailed documentation and listing the violations they were making to my consumer report, it has been over 30 days, and I have yet to receive any response. 

This failure to address my concerns is unacceptable. The violations of FCRA 605 ( c ) and FDCPA 809b demonstrate a blatant disregard for consumer rights and legal obligations. 

I demand immediate action to rectify these violations and ensure that my credit report accurately reflects my credit history. Enclosed, please find copies of all letters previously sent to your agency for your review and reference. 

Failure to address this matter promptly and effectively will leave me with no choice but to pursue legal action to seek restitution for the damages caused by your agency 's negligence. 

I expect a prompt response detailing the steps taken to address and rectify the inaccuracies on 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 explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
1 ) Sold my XXXX XXXX, and funds deposited back to Citibank account 2 ) XX/XX/XXXX, Tried to withdraw money from Citibank account a few times, but all attempts were unsuccessful even with the help by the Citibank rep during 2 phone calls. 
3 ) XX/XX/XXXX, I lost access to my account, and was told the account was being closed, and I would be getting a check in 30 days for the fund in my account 4 ) XX/XX/XXXX, Called Citibank for status of the check, was told that it's being processed, and no account balance info could be provided 5 ) XX/XX/XXXX, Called Citibank for status of the check, was told that no updates from back office, and would send an expedized request, and again no account balance info could be provided 6 ) XX/XX/XXXX, Called Citibank for status of the check, was told again that no updates from the back office, and would send an expedized request, and again no account balance info could be provided It's been over 4 months, no communication received from the bank regarding the account closure, and since I no longer has access to my account, I has been kept in dark of any info on my account. I'm deeply concerned about the safety of my funds.

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 2024-02-12 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: FL

Complaint narrative:
I Discovered multiple accounts/charges that do not belong to me. after receiving conflicting information regarding these last two remaining accounts accounts from the Credit issuer, the debt collector and information contained on my 3 credit reports. I filed a Identity theft report. over 5-6 accounts. All but the two contained in this new Identity report ( I lost the last one ) have been removed. during the time I had disputed these accounts as fraudulent, the Investigation had taken well over 30 days. XXXX for example kept resetting the dates to keep it within the 30 day window. I was never provided any information as too the specific information into their investigation as to why they refused to block those two account. initially I did notice that Equifax and XXXX initially blocked those two accounts, but they re-appeared months later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Chime Financial Inc
State: DC

Complaint narrative:
On XX/XX/2024 I started to receive emails related to a Chime account that had been opened in my name. I did not open this account. It's likely someone has access to my social security number, but this shouldn't have been sufficient to open a new credit card account in my name without any number of additional authorizations. 

When I called Chime to ask the account be closed, the customer service rep was unable to pull up the account unless I also provided other personal information such as my social security number. I was unable to provide this, and the rep would not transfer me to someone who could. 

Eventually we were able to look up my account by my email address, but the rep was unable to tell me if there was a balance on the account, or how the account had been opened in the first place. They were able to close the account, or at least I received confirmation of closure, but it was a very painful process with no guarantee it won't happen again. 

My feeling is that the company is well aware of its security holes, and either isn't interested in paying to fix them, or actively encourage fraud in order to get money from people who aren't paying close attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: WA

Complaint narrative:
Phoenix Recovery XXXX XXXX is not contracted by XXXXXXXX XXXX XXXX XXXXXXXX to collect debt as the Manager informed me. They have their own collection agency which is not Phoenix Recovery. I have been going on with this for years now with this agency to remove this account off my credit reports. 
I have also requested for validations from them through sending certified mail on occasions but to no avail. They keep insisting that they work for XXXX XXXX XXXX XXXX as their collection agency. I would appreciate it if you could do something about this as it is hurting me from acquiring an apartment here in XXXX. 
Furthermore, the manager at this Apartments said she had no information regarding my stay there. I left XXXX almost 7 years ago for work. I travel from state to state.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
The interest rates that were charged by Chase after my credit cards have been paid in full still has still not been rectified. I spoke to XXXX XXXX and I left her a voice message numerous time and sent her an email that shows that I paid off my credit card, but still has been charged credit card fees. These fees were illegally charged and I would like a refund. 

This is the email I sent. See below. Plus I will send the attachments too. They never bothered to respond and hoping that I just go away. I wonder how many other customers they have done the same and gotten away with a lot of fees paid to them that should not have been. I have never had a credit card company continue to charge me interest after it was paid in full and I have all major credit cards including XXXX XXXX XXXX XXXX XXXX. Not one of them have illegally charged interest fees like Chase has. 

CFPB XXXX ATTN : XXXX XXXX XXXX XXXX XXXX XXXX Attachments Thu, XX/XX/XXXX, XXXX to XXXX, XXXX These are the attachments for Chase Credit Card ending in XXXX and XXXX. I have provided a copy of my statement where I had paid the credit card in full in 2019, however I am still being charged interest several years later. Also, attached is XXXX paid in full where I was charged an interest. I have never been charged interest from other credit card companies once it's paid in full. 

Please let me know if you have any questions. 

Sincerely, XXXX XXXX XXXX 3 Attachments Scanned by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: DE

Complaint narrative:
I reviewed my credit reports and it shows inaccurate and unverified items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-02-12 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: J J Marshall & Associates, Inc
State: IL

Complaint narrative:
Someone has use my credit without my consent

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: MO

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 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 2024-02-12 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Colony Brands, Inc.
State: OK

Complaint narrative:
I owe {$140.00} to Montgomery Ward. Whenever my first payment was back in XXXX I had hardships losing my job. I have tried emailing the company at first for my account number for months, they never responded nor replied to the email request sent through their website. I finally get logged into it and received a threat letter saying if I do not pay said payment the account will go into collections where it'll further harm my credit. I am trying to mange I have to file an appeal with unemployment because I forgot to register for work so I don't even have any income coming in yet. The company doesn't seem to have any form of insurance I went digging for it to file a claim so it can at least be paid. I am " XXXX '' days behind on my bill will is drastically hurting my credit I do not know what to do here.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
Made an airline purchase with my chase cc in XX/XX/XXXX. Purchase was approved and confirmed and several hours later ( overnight ) chase blocked payment to vendor thinking it was fraud and my flight was never ticketed. 

Flight prices went up the next morning and when I called chase to get the hold released, I was informed by an agent in the fraud department that I should call back after rebooking my flight and chase would reimburse me for the increased flight amount through getting rewards points. 

Ive tried calling numerous times since XX/XX/XXXX and have not been able to get resolution to this. As of XX/XX/XXXX, I have now been told that its not Chases policy to provide reimbursement for fraud transactions. This is NOT what the agent told me nor was this actual fraud. Chase did not validate or verify this was fraud before blocking my payment and gave me no opportunity to confirm my intent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I did not give any permissible purpose for anyone to run my credit. I am wanting those inquiries to be deleted immediately. 

XXXX XXXX Inquired XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: AZ

Complaint narrative:
Equifax is reporting an incorrect address that does not belong to me and has never belonged to me. I do not reside or do business at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are furnishing this information without my consent which goes against my rights according to the FDCPA. According to the FDCPA I'm entitled to XXXX US Dollars per violation and they are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In XX/XX/XXXXXXXX XXXX XXXX I XXXX XXXX wrote a Correspondence to all 3 Credit Reporting Agencies asking them to remove this incorrect information from my Credit Report, XXXX took the false information off their credit reporting but XXXX and EXPERIAN refuse to comply with the fair credit reporting laws, rules, and regulations of the CFPB.

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 2024-02-12 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: CA

Complaint narrative:
I contacted Equifax via phone and US mail to tell them about an account on my credit report that did not belong to me. I was told that my confidential information was leaked during their data breach and that account was a result of identity theft. I have sent Equifax my letters with an FTC report documenting the data breach and fraudulent account and they have not done anything to help me. They keep telling me its verified but thats all, no proof provided at all. i know for a fact that account is not mine because i did not recieve any goods or services from that creditor and the creation of that account was not authorized by me. This inaccurate account is detrimental to my credit health and make my finances take a toll for me and my family. Doing further research I learned that there are FCRA laws in place to protect consumers from inaccurate reporting and XXXX is doing that, breaking the law! FCRA 605B ( 15 U.S.C. 1681c-2 ), FDCPA Section 807 Violation for Anonymous and Miscellaneous Reporting, FCRA 15 U.S.C 1681i calls for immediate removal of inaccurate accounts, Misleading False Reporting : All of these accounts are negatively and inaccurately reporting, failing to comply with 15 U.S.C 1681. I KNOW THAT I HAVE GROUNDS FOR A LAWSUIT BUT WOULD LIKE TO AVOID THAT LENGTHY PROCESS!! I beg you to please remove this inaccurate account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-12 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: CA

Complaint narrative:
I requested XXXX to give me verification of this account to prove it is mine. I also asked for the same verification from the TransUnion and XXXX. I have yet to receive it at all. Also the account has been charged off for awhile and according to the FCRA 15 USC 1681s-2 ( a ) ( 1 ) ( a ) its considered income by the irs and income can not be reported on your consumer report! This needs to deleted immediately! You have already deleted it and there is no way in 3 days letter you proved that it was verified and put it back on. THIS INFORMATION IS INACCURATE NOT MINE AND A FRAUDULENT ACCOUNT! It needs to be removed at once. Im going to have to sue after this because this is ridiculous. They are not upholding the consumer law my rights Also all these inquiries ARE NOT MINE!!! Remove them at once! How many times have I requested proof and how many times must I say they are not mine a fraudulent. Remove them at once!!!

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