vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-07 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: CL Holdings LLC
State: GA

Complaint narrative:
I am filing this complaint to bring attention to significant inaccuracies and unauthorized activities reflected on my credit report that have negatively impacted my financial well-being. Specifically, there are inquiries and a collection account that I have no knowledge of or record of authorizing. These items are unjustly damaging my credit score, creating financial hardship, and jeopardizing my ability to provide for my family. 

Despite my efforts to maintain responsible financial habits, these erroneous and unauthorized entries have resulted in unnecessary stress and hardship. I believe my rights under the Fair Credit Reporting Act ( FCRA ) are being violated, as these inaccuracies remain unverified and unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
( my previous complaint is the same with this one but the ally associate filed my first fraud dispute the incorrect way so another ally associate today had to fix it ) Dispute case number : XXXX On XX/XX/2024 for {$230.00} And XX/XX/2024 for {$210.00} I was charged for these transactions THAT I DID NOT MAKE I have filed a police report for these transactions

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 2025-01-07 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
Subject : Formal Complaint Regarding Unresolved Pay and Delete Agreement Dear Customer Service Team, I am writing to formally express my dissatisfaction with the handling of my account and the unresolved issues related to a pay and delete agreement I made with your company. 

In XXXX, I initially contacted your company to address a debt that I was informed of. After confirming the validity of the debt, I paid it off to maintain a favorable credit score. However, I was not informed of any additional debts at that time. 

Upon later communication with a representative named XXXX, we reached an agreement that I would pay {$2000.00} under the condition of a pay and delete arrangement. I agreed to this to prevent any further negative impact on my credit report. Despite numerous attempts to follow up with XXXX, I have not received any return calls. On multiple occasions, I was told he would call me back, but I have yet to hear from him. 

Additionally, my attempts to seek assistance from other representatives have been met with irritation and unwillingness to help. This lack of communication and support is extremely frustrating and unprofessional. 

Recently, I received a letter from XXXX confirming that my account had a XXXX balance. However, the agreed-upon pay and delete action has not been reflected on my credit report. This issue has been further complicated by the fact that an additional debt appeared on my report, which I was never informed of or given the opportunity to dispute. 

I initially agreed to the pay and delete arrangement under the impression that it would be the most straightforward way to resolve the situation. However, I now find myself in a position where I must escalate this matter due to your companys failure to honor our agreement and provide adequate communication. 

I request immediate action to remove both debts from my credit report as per the original agreement. Failure to resolve this issue will leave me with no choice but to seek further action through regulatory bodies or legal means. 

Thank you for your prompt attention to this matter. I look forward to your swift response and resolution. 

Representatives involved XXXX XXXX and team Accounts XXXXXXXX XXXX XXXXXXXX Client Acct. # : XXXX Acct. # : XXXX Collector : XXXX XXXX I have both letters with XXXX balances and reported with XXXX to the creditors as of XX/XX/XXXX Sincerely, XXXX XXXX ( XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Amex rejected my insurance claim for {$2700.00} in damages for a car rental accident. It's not clear what the reason for rejection was. There is no indication that my claim should have been excluded from the documentation. I could only suppose that they are trying to exclude " online '' or " app based '' rental companies but no such exclusion exists in the documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Hello, I was presented with a formal document by the name of, " Complaint On Breach Of Contract '' by a sheriff on XX/XX/year> for an alleged debt of {$1200.00} that I have absolutely no knowledge of. I sent the company a letter informing them that they are committing fraud ( letter attached ). While I am happy to pay for any service that I truly owe, this alleged debt is not mine and has damaged my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: MS

Complaint narrative:
I tried accessing my account after having to renew my phone number and an email and every time I try to move money out of my account it said there are security issues try again later this did this for several days I contacted a customer service every single day they only can tell me that it's like glitch in their system, that my account was in good standing and nothing is wrong. that it will go away try it again later. Then I get a email from someone stating that my account has been deactivated due to breaking their policies. But I've asked them what did I do wrong and they say they can not tell me do the security reasons. And my social security deposit which is over {$1000.00} will be held for 180 days for loss prevention purposes. Then I got an email back after emailing them stating the same exact thing two more times the decision is final and not to contact them again, which was fairly rude. Now they refuse to answer me in any way shape or form or allow me to transfer my money out of the account. I live on this money this is my lifeline this is all I have I'm on XXXX I need this check. There has to be something they can do I don't know what I did wrong I'm sorry they can close my account after sending my money to my regular local bank account. And then they can absolutely positively delete my account as I will never use it again. I don't know what I did wrong you won't tell me but you're going to hold my money for 180 days I will die without that money you don't understand. I need it. I have done nothing wrong again I've done nothing wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/XXXX, I opened an account with Truist Bank using the promotional code XXXX which promised a {$400.00} bonus after meeting some requirements. Account was opened within the time window they provided in the terms. Requirements were met shortly after and no bonus was provided. When I contacted them they said no promotion was active in my account and that someone from their promotions team would be contacting me. They did not. I tried reaching out to them an additional 2 times with similar answers. No bonus has been provided still, despite the requirements been long met.

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
Consumer complaint received 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint regarding the reinsertion of a XXXX XXXX  XXXX account ( Account Number XXXX ) on my credit report. On XX/XX/year>, Experian confirmed through a " Dispute Results '' letter that the account had been removed, leaving only one negative account on my report. However, when I reviewed my credit report on XX/XX/year>, I discovered that the same account had been reinserted without proper notification. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which requires written notification within five business days of reinsertion, and 15 USC 1681i ( a ) ( 5 ) ( C ), which mandates that new, verifiable information must substantiate the reinsertion. Additionally, Experian failed to ensure accurate reporting practices under 15 USC 1681e ( b ). I request the immediate removal of this account, documentation of any evidence provided to support the reinsertion, and written confirmation of its deletion along with an updated 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 2025-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
they called us and said we are behind in our payments, but we have every payment they have gotten and every check they have cashed. even paid almost {$300.00} dollars extra to newrez to cover said expense 's but they never added it to our account and just keep trying to raise our fixed mortgage rate. We have every record of payment and they just keep trying to add to it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I have an auto loan with Kia Finance for a XXXX Kia XXXX. The car was involved in an accident on XX/XX/XXXX which resulted in a total loss. The insurance carrier is XXXX XXXX and they requested a payoff letter of guarantee from Kia Finance on XX/XX/XXXX. Kia Finance requested updated information which was provided by XXXX. The updated evaluation and breakdown was sent to Kia at XXXX on XX/XX/XXXX at XXXXXXXX XXXX but Kia has not provided the updated letter of guarantee. I have called Kia Finance and escalated the issue to their corporate complaint department but they have not been able to assist me because they do not have access to their total loss department to confirm if all the information had been received. I have tried filing a complaint with the XXXX and I have tried contacting the corporate offices for Hyundai/Kia Finance .

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 2025-01-07 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-07 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:
I have filed disputed multiple times for items on my credit report with Transunion that are not mine. They keep coming back as accurate. They are not my accounts. They have made this error before and had my credit profile mixed with someone else with a similar name. 
I spoke to them a month ago and they said they were escalating and I would hear back within 3 days and noone ever called me or emailed me. 

I have called the creditors myself and all have advised me they have no accounts under my social security number. So there is nothing they can do. I just want the items removed from my credit. I have froze my credit but somehow they keep mixing items up on my report with someone else. 

See below items : 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 2025-01-07 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: MO

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.0142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business day, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be locked and deleted company information Transunion. Please delete the following accounts.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-01-07 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: NRA Group, LLC
State: TX

Complaint narrative:
I disputed this account, and the company reported it would fall off this XX/XX/XXXX. Now it's reporting again with an updated date of delinquency that the account was not in default status until XXXX which is incorrect and will remain being reported on my credit until XXXX. This account is over 7 years old, and they have re-aged the debt which is illegal under the FDCPA. I have attached proof that this is reporting in different ways. Nor did they ever send a validation of debt in which it was previously disputed.

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 2025-01-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/XXXX Chase Bank contacted me excessively. 
They called XXXX, XXXX and again at XXXX. This is becoming an everyday day thing and it is way too much for me. They havent sent me anything to resolve the issue just keep calling about the balance. The balance is all their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: DISCOVER BANK
State: OH

Complaint narrative:
Company provided rewards on the card and then later revoked them with billing not depicting accounting of the debit/credit activity in the ledger. Theft and breach of contract according to their own staff over the terms of the card they stated were perks of signing up

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ARC Management Group, LLC
State: NJ

Complaint narrative:
The original collector XXXX XXXX in XXXX did not want to process my bill through Medicaid which is the insurance I had at the time. And I asked ARC to also try that and they refused. Also Medical Debt is supposed to be removed from my credit report based on the latest law / regulation pass via BidenXXXX XXXX 

Details are here : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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:
To whom it may concern, My identity was leaked in the XXXX data breach. The thiefs were able to open several accounts, including utilities, Bank accounts, and credit cards. I have reached out to each merchant to get this issue resolved including contacting the fraud department. According to the ( FCRA ) section 1681 ( a ) ,1681 ( b ) ,1681g ( a ) its my right to Accuracy, Fairness, and the Privacy of personal information.

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 2025-01-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To whom it may concern, My identity was leaked in the Equifax data breach. The thiefs were able to open several accounts, including utilities, Bank accounts, and credit cards. I have reached out to each merchant to get this issue resolved including contacting the fraud department. According to the ( FCRA ) section 1681 ( a ) ,1681 ( b ) ,1681g ( a ) its my right to Accuracy, FairneXXXX, and the Privacy of personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-07 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: GA

Complaint narrative:
To whom it may concern, My identity was leaked in the XXXX data breach. The thiefs were able to open several accounts, including utilities, Bank accounts, and credit cards. I have reached out to each merchant to get this issue resolved including contacting the fraud department. According to the ( FCRA ) section 1681 ( a ) ,1681 ( b ) ,1681g ( a ) its my right to Accuracy, Fairness, and the Privacy of personal information.

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