vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-28 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 ordered merchandise from XXXX XXXX  on XX/XX/XXXX and never got it. It said it was delivered to an individual with the supplied delivery tracking number. When i looked at the tracking info. it did indeed say it was delivered to the town I lived in. XXXX said i should take it up with the delivery company USPS. I did not get any help with XXXX XXXX  with the research. I then went to American Express to dispute who went by the information supplied to them from XXXX  XXXX  saying it was delivered and Amex said my account will be charged back which it was ( yet the Amex dispute is still open, expected to be settled XX/XX/XXXX ) However, the tracking never showed me vital information, my address, where it was shipping from and how much did the merchandise i purchased weighed. The vendor said they could reship but changed their mind saying it was delivered according to the tracking number info as well. That's when i couldn't get any answers through online and chat online about the tracking information, I decided to go to the post office and see if they could get me the answers and they did. While my address was indeed under the tracking number, it was not my address it was shipped to, the address that was used was on a neighbouring street and the package only weighed XXXX lbs instead of the XXXXlbs it was out of the box. I was scammed by the vendor XXXX XXXX  promoted on their site and the vendor also showed a picture of a packaged that was not at either address and had XXXX packaging tape on it. ( uploaded this picture ) Then weeks later the vendor said its now caught in shipping and i should get it in a couple of days which never happened. Just a total scam that XXXX XXXX  is standing by with just online chat help which i talked to XXXX different people with no correct results. I have Pdf 's of receipts, shipping from USPS intranet of the shipping info., the correct weight of what i ordered from the vendor unboxed. I have been totally scammed and with no help from the vendor, XXXX XXXX  and Amex dispute is ongoing yet from what they sent me they reinstated the charge. Please advise, thank you!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: AMERICAN HONDA FINANCE CORP
State: SC

Complaint narrative:
In XXXX of XXXX, I originally asked to inquiry about lowering payments and instead they harassed me to bring my car in for appraisal. *Mind you, I have had XXXX leases prior with them and have made EVERY payment ONTIME. * They claimed they needed my car for their pre-owned inventory. I test drove a brand new model of the current lease, instantly fell in love. They then told me I didnt qualify for that one and told me I qualified for a different model and smaller car. I told them I really need the same model I have now and my max payments needed to be {$500.00}. We negotiated and they kept trying to make me pay way over {$500.00}. I finally got fed up and was running late so I signed for $ XXXX. Their reasoning for the extra added to the {$500.00} was free lifetime oil changes. I made the XXXX couple payments and then we got hit with the hurricanes. I tried paying my past due amount with a credit card and they wouldnt accept it. I wasnt even able to make a minimum payment. 
I went to a different dealer and they told me I was - {$9000.00} in equity and that the other dealers were crooks. Everyone in XXXX XXXX XXXX either used to work for XXXX XXXX XXXX and had received bad service complaints from other customers. Ive been reaching out to them with questions and no response. I even believe the car is under recall.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: OH

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 I looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2024-12-28 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: FL

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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX  XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Debt Holdings, LLC
State: TX

Complaint narrative:
XXXX XXXX XX/XX/year>XXXX NATIONAL DEBT HOLDINGSXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Validation Dear NATIONAL DEBT HOLDINGS, I am writing to request validation of a debt that appears on my credit report. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). These laws entitle me to request and receive specific documentation to verify the accuracy and legitimacy of debts reported on my credit file. The details of the debt in question are as follows : Creditor Name : XXXX In accordance with Section 809 of the FDCPA ( 15 U.S.C. 1692g ), I am requesting the following documents and information to validate this debt : 1. Original Creditor Information : o A copy of the original credit agreement or contract with my signature, showing that I am legally obligated to pay this debt. o The name, address, and contact information of the original creditor.

2. Detailed Account Statement : o A comprehensive statement showing the original amount of the debt, the current balance, and a detailed breakdown of any interest, fees, or charges that have been added. o A record of all payments made toward the debt, including the dates and amounts of each payment, and any adjustments or credits applied.

3. Verification of Collection Agency : o Documentation proving that the debt collector currently reporting this account is authorized to collect on this debt. This should include a copy of any assignment or transfer of debt documents from the original creditor to the current collector.

4. Evidence of Account Status : o Proof that the debt is within the statute of limitations for collection, as specified under applicable state laws. This includes the date of the original default and any relevant dates affecting the statute of limitations.

5. Confirmation of Reporting Accuracy : o Verification that the information reported on my credit file is accurate and that the debt is being reported by the correct party. This includes confirmation that the account details and status are correctly represented.

6. Dispute Resolution : o Information on the procedure for resolving disputes related to this debt if it is found to be inaccurate or unverifiable.

Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), I am entitled to an accurate credit report, and I request that you conduct a thorough review of this account. If the debt can not be properly validated, please remove it from my credit report and notify me in writing of the outcome.

Please confirm receipt of this letter and provide a written response within 15days, as required by law.

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: Kikoff Inc.
State: FL

Complaint narrative:
Dear CFPB Representative, I am filing this complaint regarding a violation of the Gramm-Leach-Bliley Act ( GLBA ) by Kikoff in its handling of my closed account information. Specifically, Kikoff seems to have have breached Section 6801 ( Duty to Protect Consumer Information ) and Section 6802 ( Restrictions on Disclosure of Consumer Information ) by reporting inaccurate late payments on my closed account to the credit bureaus. 

The reported late payments have negatively impacted my credit score and raise concerns about Kikoffs compliance with federal laws requiring the accurate and confidential handling of consumer financial data. Despite my efforts to dispute the accuracy of this information, Kikoff still is reporting late payments on the closed account. As a reminder this dispute is over 3 Late payments that I did not authorize nor acknowledge.

Furthermore : Kikoff is retaliating against me. Kikoff has also failed to act in good faith ( FRCA Section 623 ) : Kikoff initially confirmed via email that they would delete the account from my credit report but later stated that this was a mistake. This inconsistency demonstrates a lack of good faith in their reporting practices. 

I have attempted to dispute with the credit bureau 's multiple times to resolve this issue with kikoff but it still has not been resolved. I have been going back and forth with kikoff for months over XXXX late payments that I do not acknowledge and they are not providing me with a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. Experian, XXXX and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681 section 602A. states I have the right to privacy. 

These addresses and incorrect spellings of my name do not belong on my credit report. 

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 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 2024-12-28 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:
Subject : Complaint Against Experian for Failing to Address Fraudulent Accounts D Complainant Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX Complaint Overview : I am submitting this complaint regarding Experians failure to address fraudulent accounts reported on my credit report. Despite providing legally binding evidence of identity theft, including an FTC Identity Theft Report and an XXXX complaint, Experian has failed to appropriately investigate or remove the fraudulent accounts. 

Details of the Fraudulent Accounts : The following accounts were fraudulently opened without my authorization as a result of identity theft : XXXX XXXX XXXX XXXX XXXX  ( Account ending in XXXX ) I previously disputed these accounts with Experian and provided comprehensive evidence, including : XXXX. FTC Identity Theft Report XXXX. XXXX Complaint Report Additionally, the XXXX  XXXX account was reported to their Fraud Department, but they failed to act appropriately under the Fair Credit Reporting Act ( FCRA ). 

Violations of the Fair Credit Reporting Act ( FCRA ) : Experian has failed to : 1. Conduct a thorough investigation of my dispute.

2. Remove fraudulent accounts despite sufficient evidence.

3. Fulfill their obligations to maintain accurate credit reporting as required by the FCRA.

Resolution Requested : I request the CFPB to compel Experian to : 1. Investigate and remove all fraudulent accounts from my credit report, including XXXX, XXXX, XXXX, and XXXX XXXX. 
2. Provide a corrected copy of my credit report.

3. Ensure adherence to FCRA regulations regarding consumer disputes.

Supporting Evidence : I am prepared to provide the following documentation to substantiate my claim : 1. FTC Identity Theft Report XXXX. XXXX Complaint Report XXXX. Copy of my government-issued ID XXXX. Proof of address ( e.g., utility bill ) XXXX XXXX : I can be reached at XXXX or 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 2024-12-28 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX 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. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: FL

Complaint narrative:
I have used lexington law on multiple ocassions i was charged to start the service and i was charged monthly as well but i still dont see any changes to my credit i also refered my mom and my sister to them as well

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I am a Premier account holder at Well Fargo XXXX XXXX at XXXX XXXX  in XXXX, XXXX. I am filing a complaint against them for their refusal to let me withdraw less than 1 % of my savings from their teller windows and also making it very difficult. 

First, on XXXX XXXX, XXXX XXXX XXXX at XXXX XXXX at XXXX XXXX refused to let me withdraw more than {$3000.00} from my account, claiming that they do not have cash. It was strange that a large bank like Well Fargo did not have more than {$3000.00} in the morning. And then, I heard that others were able to withdraw after me without any problem. Therefore, I think that she was also discriminating against me. 

Second, XXXX XXXX also refused to let me withdraw more than {$4000.00} today, claiming that they do not have cash. She promised to call me because they were getting cash later today but she did not call me. 

Third, they also made things difficult. XXXX XXXX asked me to increase " debit crd overdraft limit '' from my online account to withdraw more from atm. There was no overdraft limit, but I still could not withdraw enough. It turned out that she directed me to the wrong section. It should have been the " atm withdrawal limit '' section. This section was also hidden so I could not find it easily. Their website instructed me to call XXXX to increase it. However, XXXX refused to do it, claiming that he does not serve a Premier member. Why instruct me call that number, then? The Premier team instructed me wrong again by asking me to increase it from their website, when their website did not have that option. I wasted time because it turned out that their atm limit is not high enough, so I still have to withdraw from the teller window. 

Fourth, there was also a security issue. XXXX XXXX discussed my issue by mentioning the amount that I want to withdraw to another banker who was in the meeting with a client. That client found out that I had certain amount of money and kept looking at me. She should not have mentioned it in front of a stranger. 

Because of these issues, I had to cancel all of my holiday plans and wasted several days but I still have not been able to withdraw enough cash that I need.

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 2024-12-28 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
I received a settlement check from Lexington law that was torn. Who do I contact about re-issuing me a new check?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Car loan opened without my consent, contacted Capital One Auto Finance with certified mail requesting the contract and or agreement as I also disputed with them. No response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. XXXX, Transunion and XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681 section 602A. states I have the right to privacy.

These addresses and incorrect spellings of my name do not belong on my credit report. 

XXXX XXXXXXXX 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 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 2024-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the fair credit reporting act. XXXX, XXXX and Equifax has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681.

According to the 15 U.S.C 1681 section 602A. states I have the right to privacy.

These addresses and incorrect spellings of my name do not belong on my credit report. 

XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-28 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: PA

Complaint narrative:
The following accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX {$12000.00},,, XXXX XXXX XXXX {$7300.00} ... XXXX XXXX XXXX {$2300.00} ... XXXX XXXX XXXX {$2300.00} ... XXXX XXXX XXXX {$39.00} ... XXXX XXXX XXXX {$1000.00} ... XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} ... XXXX XXXX XXXX {$6500.00} ... XXXX XXXX XXXX {$360.00} I looked at my Experian and XXXX report on XX/XX/year> and noticed some accounts and inquiries are incorrect and fraudulent. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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