vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-31 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: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Today XXXX I went to a XXXX  branch in XXXX XXXX XXXX Florida and was told there is an existing account from years ago with bb & t that I had shared with my mother and I was told by truist employee the account relationship has ended and viewed by the a bank analyst the entire explanation was very confusing and unclear so I pray the fraud department can figure out the situation and I cant make an account with truist because of it and I want to know what else is on my credit report and I want to fix any issues so I can an open a regular physical bank account because chime isnt excepted as payment in certain transactions circumstances anymore.

P.s I dont have any idea or information from the bb & t account I shared years ago with my mother

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 2024-12-31 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Amex closed my account yet its still reporting late payments and balances.with the federal law 15 usc 1681 i was promised accuracy in my report .since this information cant be validated or verified.I want that information about balances and late payments be removed according.also based on FCRA law my information was exposed in a data breach as a result of this reporting on my credit that was done without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
the information from check n go that was given to you on my behalf was false information.

i contacted the XXXX XXXX XXXX as check n go requested and they responded today. i will upload the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NH

Complaint narrative:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$4400.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$16000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall-i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
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 To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company [ XXXX $ This letter is being sent to you in response to an entry made on my Credit Report dated open ( XXXX XXXX ) Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested.

Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act.

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the Consumer Financial Protection Bureau ( CFPB ), and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages.

In addition, the Fair Credit Reporting Act states that while this item is being investigated you must indicate to the bureau that the account is under dispute and will remove/cease from reporting this information to the Credit Reporting Agency until full validation has been completed.

I have sent a copy of this request for validation to the three national Credit Reporting Agencies to begin their 30-day investigational process concurrent with your investigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: NC

Complaint narrative:
I am experiencing a negative charge from First Investors, and I have called three times requesting the 1099-C form, but they refuse to provide it. This issue is affecting my ability to obtain another vehicle. I struggled financially after being fired from my job, and I am still fighting my wrongful termination case in court. What steps should I take to resolve this?

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
The credit card company has started charging a monthly fee for member maintenance fee on top of the annual membership fee. I called the company and asked them to explain the difference between the two fees and they refused to do so. I advised them to confirm that my account has no activity for the past 2 years and to advise what they are maintaining on my account, especially since my account is set up for electronic billing ( of which there is none since there is no activity and my account is also set up for electronic payments ).

I asked for documentation to be sent out regarding the fees and I was told that could not be done. I advised the representative that someone from their legal department needed to contact me as my questions were not being answered by the customer service representatives. 

I believe this company is making up fees and charging for services not provided by them. 
I will also be filing a complaint with my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I had my car serviced at XXXX XXXX XXXX and tried to use my accumulated points to pay for part of the service fee in accordance with the rules for the credit card. Comenity Bank wouldnt authorize their use. In XX/XX/XXXX, I again had my car serviced at XXXX XXXX XXXX and tried to use my accumulated points to pay for part of the service fee, but again Comenity Bank would not authorize their use. In XX/XX/XXXX, I had my car serviced at XXXX XXXX XXXX. I brought a copy of my statement and again tried to use my accumulated points to pay for part of the service fee, but again Comenity Bank would not authorize their use ( despite talking with XXXX different bank representatives ). 

After each denial, I contacted the bank and each time they confirmed my reward point balance and that they could be used for service at XXXX XXXX XXXX, but would never explain why the bank denied use of the points. In fact, I received a letter dated XX/XX/XXXX stating in part : XXXX reviewed your reward balance. We confirmed the available reward point balance is XXXX. We found no issues that would prevent you from redeeming these reward points. 

On XX/XX/XXXX, I was notified that my account was closed on XX/XX/XXXX at my request. I never requested or authorized such closure, and this closure was before the XX/XX/XXXX confirmation that the account was active and points could be used! After I contacted them about this, they changed the reason for cancellation and notified me that the card was cancelled for inactivity. ( If they had let me use my points, there would have been activity ; but even so, who heard of cancelling a card for inactivity for XXXX months, from the time they first refused to let me use points? ) I can only assume the real reason they closed the account because I was repeatedly trying to use my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
the information from check n go that was given to you on my behalf was false information. 

i contacted the XXXX XXXX XXXX  as check n go requested and they responded today. i will upload the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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 am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

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 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i recently reviewed a copy of my credit report and noticed i have fraudulent accounts on my report. Please remove these accounts from my report. they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Vehicle loan or lease — Loan
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: World Omni Financial Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX, a check was submitted for full payoff of a leased vehicle. Payment was received on XX/XX/XXXX, and funds withdraw from my account XX/XX/XXXX. When asked the status of my account Southeast Toyota Finance provided false information stating the check and paperwork was received XX/XX/XXXX ( days after my XXXX inquiry ) This is false information and is holding up the processing of my title. I will be out of town for an extended time and needed this matter resolved before my XX/XX/XXXX, departure. If this matter was processed when both paperwork and accompanied check was received/cashed the matter would have been resolved by end of year ( XX/XX/XXXX ). Instead, Southeast Toyota Finance is providing false and misleading information stating check/paperwork was received up to XXXX days beyond the truth receipt. 

I have supporting documentation included with this report. I need this case resolved before XX/XX/XXXX which is why I submitted paperwork and final payment XXXX weeks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: MS

Complaint narrative:
I had a loan with XXXX the company closed my account due to bankruptcy that discharged my debt all of a sudden after the discharge of my XX/XX/XXXXXXXX debt which wiped all my debts this company by the name of XXXX XXXX XXXX advised me that they own the account but i do believe I was also given a XXXX XX/XX/XXXX on my taxes causing me to pay in full the debt from the creditor XXXX and also a XX/XX/XXXXXXXX that wiped the debt but XXXX XXXX XXXX wants to collect the debt regardless and has mounted a {$12000.00} debt to {$22000.00} almost double what is originally owed I can not get this stopped and they continued to write me saying that I owe a debt when I filed XX/XX/XXXXXXXX on this debt this debt is past the statue of limitations to collect on and is not collectible to begin with due to XX/XX/XXXXXXXX and a XXXX XX/XX/XXXX from original creditor I wrote them and the agreed to a {$2600.00} settlement then wanted more when I wrote them again this is causing me stress for a debt that is past the statue of limitation with a XX/XX/XXXXXXXX attached to it and a XXXX from the creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
On Tuesday, XX/XX/year>, I received a notification on my XXXX credit report that Jefferson Capital Systems flagged my account for a collection in the amount of {$3.00}, XXXX. 

This was a huge surprise to me as I did not know anything about this debt. I never received any communications about this debt whatsoever. I was never giving the right to dispute. I was never given any information on verifying the debt. Nothing. 

This company used unlawful tactics as far as the FDCPA is concerned.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: NC

Complaint narrative:
This company has chosen to ignore the fact that my identity was stolen and have not cooperated with my request to remove fraudulent information 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 explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: LA

Complaint narrative:
XXXX XXXX, XXXX XXXX, 2024 I opened a credit builder account and I also used the XXXX  and XXXX  features. I DID use my XXXX XXXX  ( which was {$200.00} ) with a {$14.00} fee for XXXX transactions from that feature. That advance breaks up your advance amount into intervals. Now, what I dont understand is where another {$120.00} went. They said it went to credit builder, but regardless if it did, it still didnt add up to {$40.00}. 

Chime took {$36.00} ( 5 times ), {$39.00} ( 3 times ), {$25.00} ( one time ), and {$14.00} ( one time for the instant deposit fee ). 

If you need me to answer any questions or need more details. Please give me a call. 
( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am reaching out to you regarding the compromise of my social security number, as I have fallen victim to Identity Theft. I have already taken the necessary steps to address this issue, including filing a complaint with the Federal Trade Commission ( complaint # XXXX attached ).

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 2024-12-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
Applied for a card. Never received, never used it. Now being charged yearly fee {$99.00}. Was told in phone that fee canceled and card closed. 
Yet, more calls, more hassle. Weve talked to XXXX people. Will not cancel the fee. 
Though we were initially promised they would. I continue to just be passed around to people spending hours trying to get this settled.

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 2024-12-31 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: National Credit Systems,Inc.
State: IN

Complaint narrative:
I have a account that has a XXXX balance called the company and was told that it was sold to collections they gave me the collections agency number I called and gave name ssn and date of birth and was told they have no account under that name and this is negatively impacting my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My husband is listed as an authorized user on my Chase credit card accounts, which are now inactive and closed. He has requested to be removed as an authorized user to ensure these accounts no longer appear on his credit report. However, Chase has refused to process this request, stating that they can not remove authorized users from accounts that are closed. 

Additionally, I am a victim of identity theft and have already filed a report with XXXX. Ensuring accurate credit reporting is critical as I work to resolve the complications caused by identity theft. Chases refusal to remove my husband as an authorized user is creating unnecessary difficulties for his credit report and my efforts to address identity theft issues. I am seeking assistance to ensure that authorized users can be removed from closed accounts, as this affects his credit report accuracy and overall financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-31 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: AZ

Complaint narrative:
Please remove all fraudulent accounts. Thank You XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 EXPERIAN XXXX XX/XX/2024 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