vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Could you please check the documents to confirm whether FCRA 605B mandates the removal of any inaccurate accounts from my credit report? It's concerning me, as some of the listed accounts seem to be incorrect.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX  fraudulent inquires : 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: 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I am writing to file a formal complaint against American Express regarding their mishandling of a dispute related to a purchase made with my American Express credit card. The dispute in question pertains to a ticket purchased from XXXX XXXX in XX/XX/2023, which was misrepresented by the airline and subsequently mishandled by American Express. 

Event Summary : Purchase of Business Flex Fare : In XX/XX/2023, I purchased a ticket from XXXX XXXX, represented as a " Business Flex '' fare. XXXX prominently advertises Business Flex fares as fully refundable at the time of purchase. 

Refund Denial by XXXX : Despite the clear representation and the terms and conditions under which the ticket was purchased, XXXX failed to honor the refund as per their own policies. 

Dispute Filed with American Express : In response to the denial by XXXX, I promptly filed a dispute with American Express, providing comprehensive evidence, including screenshots, demonstrating that the purchased ticket was indeed a Business Flex fare, eligible for a refund according to XXXX 's policies. 

Disregard by American Express : Surprisingly, American Express disregarded the information provided and, without a thorough investigation, sided with XXXX. This action is in clear violation of consumer protection regulations and undermines the purpose of dispute resolution mechanisms. 

I would like to bring to your attention the following specific points that highlight the potential violations of consumer credit card regulations : Misrepresentation by XXXX : XXXX misrepresented the nature of the purchased ticket, leading to false expectations on the consumer 's part. 

Failure to Honor Terms and Conditions : XXXX 's refusal to honor the refund for a Business Flex fare, as per their own terms and conditions, is a breach of contractual agreement. 

Negligent Dispute Handling by American Express : American Express failed to conduct a thorough investigation and ignored compelling evidence provided during the dispute resolution process. 

I kindly request that you investigate this matter thoroughly and take appropriate action against American Express for their failure to uphold consumer rights and adhere to the regulations governing credit card disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I fell behind my mortgage payments in XX/XX/XXXX, my job had decreased everyone 's pay due to the market dropping in my industry. In XX/XX/XXXX I submitted an application for forbearance or loan modification from Dovenmuehle Mortgage. They provided the packet and we filled out all of the paperwork. Their loss mitigation department would take XXXX business days to update our file, and at that point I would have a new paystub that needed to be uploaded. This went on for about XXXX months, me submitting the information required, and them taking XXXX business days to process my documents, only to turn around and tell me that my application was incomplete because I was missing my most recent pay stub. I spoke with a manager in the company, could never get in contact with Loss Mitigation management, and they explained that paystubs do not hold back a packet from processing, that someone doing the application on the inside would have to be holding the packet from getting submitted for other reasons. They confirmed that there was nothing else needed, and that all my information was submitted, but they were unable to process the application because they were not in Loss Mitigation. We contacted the VA for assistance and they speculated that since our property had doubled in value since purchase, it was possible that the bank was waiting for the 6 month mark to be able to foreclose on us. During this time we accrued a tremendous amount of late fees and stress. We have since caught up with payments and taken care of all missed debt on the mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
In XX/XX/XXXX, a Hyundai rep called in concerning my account. Hyundai rep ask how I plan to pay off the remaining balance XXXX. I informed the rep, according to my account, next payment is not due until XX/XX/XXXX. Rep informed me - after the XXXX and XXXX paid the XXXX, which was XXXX, Hyundai requires the balance to be XXXX XXXX XXXX immediately and the XXXX you received about the next payment is inaccurate. I informed the rep I was unaware of the procedure and asked if my account was in XXXX XXXX. Rep stated- no your account is not XXXX. I requested to XXXX the XXXX balance of XXXX by XX/XX/XXXX. The request was approved by the rep. I asked for my account to be noted about the payment XXXX for XX/XX/XXXX so there's no confusion. Everything was XXXX. I was on a XXXX line with Hyundai rep when the XXXX XXXX arrangement was made. XX/XX/XXXX, Hyundai closed the account and between XX/XX/XXXX - XX/XX/XXXX of XXXX reported my account as " XXXX XXXX XXXX XXXX XXXX '' including my husband XXXX XXXX XXXX XXXX. Neither XXXX of us were aware of the action done by Hyundai until XX/XX/XXXX. I called on XXXX and XXXX XX/XX/XXXX AND XXXX, XXXX, XXXX, and XXXX, XXXX about account. I was only told t - account closed and you must pay your balance now. XXXX XXXX has been sent in the amount of XXXX with a XXXX letter of what transpire. No information was given to take care of the matter with company - lost my trust in them. My husband and I both receives an XXXX from Hyundai Finance about NEXT payment due XX/XX/XXXX, BUT the account suppose to be a XXXX XXXX. Left to submit 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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Could you please check the documents to confirm whether FCRA 605B mandates the removal of any inaccurate accounts from my credit report? It's concerning me, as some of the listed accounts seem to be incorrect.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
On XX/XX/24, I paid my entire account balance with midland credit management. I was told, by them, that they report weekly to credit reporting agencies. Yet balance shows as XXXX still owed, which is incorrect. Balance is paid in full. I want this off my credit report, as it is actively and negatively affecting my credit. 
I have contacted the company several times by phone and through their app over the last XXXX weeks, they say it shows balance paid in full " on their screen '' but again, it's still showing on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Kindly ensure the removal of inaccurate accounts listed on my credit report in accordance with FCRA 605B. It's causing me some discomfort, so could you please verify the documents?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
Hello didnt want to do this but I had this XXXX $ Vanilla master gift card purchased for me on XXXX and tried to submit an order but it was cancelled and I never received the refund a couple days past thinking I would get a refund nothing so I contacted this company and they just made it so couldnt use the card until the dispute is resolved. It has now been about 3 months have yet to receive an update anything. I can provide the case number the card number anything

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: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible

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: Westlake Services, LLC
State: TX

Complaint narrative:
Ive reached out to this company exercising my rights to opt out of sharing my personal information with third party companies such as XXXX, XXXX and XXXX, to no avail. Im requesting this company to provide documents of my signature giving consent to share my personal information and return it in the responsible

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.

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 2024-03-05 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: IL

Complaint narrative:
I have corresponded multiple times and made numerous attempts to address this matter. However, I have encountered considerable difficulty in finding a resolution, as Equifax has provided inadequate assistance despite acknowledging the theft of my information. Furthermore, I have incurred significant expenses, including several XXXX dollars on certified mail, travel expenses for visits to their office, and numerous phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Reviewing my credit report I observe that I have several inquiries in my report which I do not recognize or have I authorized to make, so I kindly request that they be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XX/XX/2023 XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, SD XXXX

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: CA

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

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: CA

Complaint narrative:
As a federally protected consumer I'm seeking proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 30 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you reported these accounts in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. You companies are causing Damages : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act. this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

Company response to consumer: Closed with explanation