vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-31 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: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My identity was stolen, and someone opened up fraudulent accounts.

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 2023-12-31 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: TX

Complaint narrative:
My identity was stolen, and someone opened up fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
In XX/XX/2019, USAA Federal Savings Bank erroneously repossessed my vehicle and disclosed no information in regard to the secured property as required by the of XXXX. XXXX  XXXX, When any goods have been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after said repossession he forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the seller 's or holder 's intention to pursue a deficiency claim against the buyer. In spite of numerous requests for account statements depicting my payment history for the months of XXXX through XX/XX/2019, USAA FSB continues to claim I was in default of my auto loan which resulted in a repossession. USAA FSB has not, nor did it issue any notice to me pursuant to XXXX XXXX. USAA FSB continues intentionally furnish damaging information to credit agencies which is a violation of 15 USC 1681s-2.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have made multiple attempts to contact TransUnion, XXXX, and XXXX regarding a XXXX account that appears on my credit report. As far as I understand, the law mandates that credit reporting agenies must ensure the maximum possible accuracy when reporting information. I have informed them that I do not recognize this account as it is currently presented. What's more, the account number differs across all three credit bureaus. While TransUnion and XXXX indicate that the account is in collections, XXXX states that it is 120 days late. Additionally, XXXX reports the last payment as XX/XX/XXXX, whereas XXXX and TransUnion state it was in XX/XX/XXXX. I am concerned that this account may have been improperly re-aged. The accumulation of these discrepancies and my numerous attempts to reach out to the credit reporting agencies to verify, rectify, or delete this account from my credit report is deeply troubling.

As a consumer, we have the right to dispute information that we do not recognize as well as the credit reporting agencies have the obligation to thoroughly investigate a dispute and update, correct, or remove the 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 2023-12-31 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: ID

Complaint narrative:
On XX/XX/XXXXXXXX  and XX/XX/XXXX returns were accepted at the XXXX return warehouse for 2 items totaling XXXX. Both of these returns were never credited back to my amex gold card per XXXX policy and reaching out to XXXX did not resolve the issue so I filed 2 separate disputes with Amex. When I created the disputes with Amex furnished screenshots of the XXXX app confirming the receipt of the returns, XXXX tracking data showing XXXX confirmation of return ( including item weights that match the delivery info ) the as well as XXXX proof of delivery. The first dispute projected resolution has been pushed XXXX now since it was filed on XX/XX/XXXX stating that Amex was waiting for more info from XXXX. None of the XXXX has been credited to my account to date. 

on XX/XX/XXXX I get a notice via chat app that Amex needs to speak to me about an issue with my gold card account. So I contact then rep and he states that due to the high balance on my card Amex was taking negatives action and rendering the card non functional until a time where i pay down the balance. 

I explained to the rep that I only have a " high '' balance due to the pending disputes that Amex has not resolved or credited me he proceeded to send me into a infinite loop of transfers and reps who kept telling me I need to " paydown '' my balance or my card would not become active again. Finally I was simply hung up on. ( I have included the whole chat thread in the notes ) My current balance on this card is XXXX of that XXXX is in what should be a very clear cut dispute leaving my actual balance at XXXXXXXX Historically that is not an uncommon amount to carry on this card as I use it very frequently. I have in XXXX alone made XXXX total payments totaling XXXX making the assertion that a balance of XXXX ( the real balance after the disputes are properly removed ) nonsensical at best. 

Amex has violated my disputing rights under the FCRA by XXXX ) refusing to process these clear cut disputes in a timely manor XXXX ) refused to service the disputes in general based on the communication on XXXX XXXX ) Taken negitive action against my account due to properly submitted and documented disputes 4 ) Held me responsible for disputed amounts on my account and then doubled down telling me to " pay down '' my account to make it active again based on the communication on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX  XXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-12-31 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX XXXX am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: RS Clark and Associates, Inc.
State: FL

Complaint narrative:
I am disputing a credit report entry due to potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). The debt was reported during my XXXX XXXX service. On XX/XX/XXXX, I disputed the debt and requested validation. Despite unresolved disputes, in XX/XX/XXXX, the debt was reported without notification. Follow-up requests and concerns about FCRA violations were made in XX/XX/XXXX, which were ignored. Legal violations include FCRA accuracy breach, FDCPA notification failure, XXXX XXXX rights neglect, inappropriate debt nature, and FCRA data integrity non-compliance. I request the immediate correction of this entry from my credit report due to its unjust impact on my credit rating. Prompt resolution within the FCRA 's 30-day period is essential.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
In XXXX, I signed up for auto-debit which allowed MOHELA to automatically withdraw money from my account every month when my payments were due. By doing so, they would decrease my monthly payment by {$30.00}. I received a confirmation email on XX/XX/26 stating that I will be enrolled in this program. 

However the last few payments that have been automatically deducted still did not reduce the payment by {$30.00}. I am still paying the full amount monthly AND being automatically withdrawn from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXXXXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

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 2023-12-31 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: NJ

Complaint narrative:
XXXX XXXX c/o XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXXXXXX XXXX XXXXXXXX, I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 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 trying to buy a house and these things are delaying my home buying process. 
I have been a victim of aggravated identity theft.I need these items removed asap. 
Each creditor should have form SSA-89 signed by the consumer whenever credit is requested that way they have proof it was mailed and received by the said consumer and that way each person knows if/ and when fraud has or hasn't been committed. That form was requested by me to the creditor and they have yet to send that. It's been over 30 days since requested and over the timeframe. If they can't provide it they need to respectfully remove these items. 
Study what this form entails. I understand my consumer rights and how to proceed. I will contact the XXXX, and state attorney general to let them know such things are happening and not being honored if this isn't handled asap. Do not send a bill as a bill doesn ; t provide sufficient proof the said has applied for anything. Thank you for your prompt assistance.

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 2023-12-31 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: WI

Complaint narrative:
Equifax, XXXX, and XXXX incorrectly show me listed as a joint owner on the XXXX XXXX XXXX mortgage account opened XXXX/XXXX/18. 

Attached is documentation confirming my ex-husband assumed the loan in XXXX 2018 after our divorce. 

I filed a dispute with Equifax in XXXX, but they did not fix the issue. 

I tried calling XXXX XXXX XXXX customer support, but since the account is now closed, I was unable to reach to anyone there to discuss the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I reported my card stolen to Synchrony Bank last year. Because I didn't have my card I could not access my account information. I repeatedly reached out to get information and have a new card sent. They claimed a card was sent out but I never received it and I mentioned this to them. I was unable to access my account. 

In addition, this company makes it purposely difficult to access their system. Even now, I just received my new card and I still can not access my information to even review. 

I contacted the company today and they say I need to call back tomorrow, which will be XXXX XXXX XXXX and I doubt that I will be able to reach anyone. 

There was a promotional balance that ended recently that allowed approximately {$6000.00} in interest to be debited to my account. Had I been able to access my account I would have seen that the promotion was getting ready to expire and pay it off before it happened. 

I don't think this is fair and I get the feeling that this is an intentional scheme. A while back I had another promotional balance that was nearing its end. I had automatic payments set up and I had it timed to pay off the balance the month that the balance was set to expire. I made an additional payment knowing that the automatic payment would pay off the entire balance before the promotion ended. Instead, this company cancelled the automatic payment that was set up and the {$200.00} in interest fees hit my account. I reached out to them and they said it was intentionally cancelled because I had already made a payment. They then proceeded to ask condescending questions like " why would I make a payment if I already had an automatic payment set up? ".

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 2023-12-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: TX

Complaint narrative:
Prior to XX/XX/2023, my mortgage payment was XXXX, and I received the bill notice and all other correspondence at the address on record ( XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ). Apparently, some time in XXXX or XXXX, the payment increased to XXXX. However, without my consent, all correspondence, including bill notices, from the mortgage servicer, XXXX, were being sent to another address that I did not provide the company. So, I continued making the payment of XXXX. In XXXX, the company returned my payment, so I contacted the company to inquire about what happened. 
During that call, I was advised my mortgage payment was past due since XXXX However, prior to the returned XXXX payment, my payments of XXXX were still accepted and not returned. If the payment was insufficient in XXXX, then it was also insufficient in XXXX and XXXX. Unfortunately, several calls later XXXX still refuses resolve a problem that was the result of their action and I am being penalized for it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
I did not receive the Retail Installment Sale Contract with my paperwork. The loan apr was based on the original price they tried to charge of over {$28000.00}. The loan apr was not adjusted to reflect the new amount of {$22000.00}. I dont have any paperwork from the dealer with banking information regarding the loan terms, payment amount and APR. There are other issues regarding removal of manuals from the vehicle, misrepresentation of obtaining a second key and misrepresentation of dealership warranty that have also been reported to the appropriate agencies.

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