vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I don't have credit I am always denied if this is insurance I always have a month to month policy and go with the cheaper company but always current with the state law and stop updating monthly the credit bureau don't know you and your the reason I'm denied a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: LA

Complaint narrative:
XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX XXXX account opened XX/XX/2021 account # XXXX at XXXX XXXX on XX/XX/2021 under the account number XXXX, These accounts have resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit report. I've attached as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, Equifax and XXXX credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: LA

Complaint narrative:
XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a auto loan XXXX XXXX account opened XX/XX/year> account # XXXX at XXXX XXXX on XX/XX/year> under the account number XXXX, These accounts have resulted in several fraudulent accounts and fraudulent collections appearing on my consumer XXXX credit report. I've attached as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud. 
What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX, XXXX and Experian credit reporting agency block all of the accounts, collections identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My name is XXXX XXXX XXXX, and this is not a third party filing this complaint. I have attached documentation showing that the credit reporting agencies are violating my consumer rights, by reporting INACCURATE late payments on my report. Please see attached ; accounts are reporting 60days late in a 30 day time frame. Which is 100 percent inaccurate.

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 2024-06-26 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: FC HoldCo LLC
State: MD

Complaint narrative:
I am filing a formal complaint against Flagship Credit Acceptance regarding their mishandling of the payoff and lien release for my late cousin 's vehicle. As the executor of her estate, I have been dealing with this issue for over two months, with no satisfactory resolution in sight. 
Here are the details of my complaint : XXXX. Initial Payment and Confirmation : On XX/XX/XXXX, I contactedFlagship Credit Acceptance and spoke with a representative named XXXX. I was given a payoff amount of {$7000.00}, which I promptly paid. The confirmation number for this transaction is XXXX. XXXX assured me that this payment would settle the account, and I would receive the lien release shortly there after. Based on this information, we sold the car to a family friend. 
2.Failure to Provide Lien Release : Despite the payment, I have not received the lien release. I have made multiple follow-up calls on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, XXXX. Each time, I was told that I needed to speak with a supervisor, and each time I was given incorrect call-back times, resulting in further delays and frustration. 

XXXX. Additional Payment Demand : Recently, I was informed that XXXX had quoted the wrong payoff amount and that an additional {$240.00} is due. Although I believe we should not be responsible for this discrepancy, I attempted to pay this amount to expedite the lien release. However, I was then told that a payoff letter would need to be emailed to me, which would take at least three business days. 

4. Ongoing Issues and Impact : This delay is causing significant issues, as the new owners can not obtain tags for the vehicle, and the car will soon require another inspection, incurring additional costs. The lack of responsiveness and the contradictory information provided by Flagship Credit Acceptance has been extremely stressful and inconvenient. 

Desired Resolution : I am seeking immediate action to resolve this matter. Specifically, I request that Flagship Credit Acceptance Provide the lien release immediately. 
Address the miscommunication and mishandling of my account. 
Ensure that no further payments are required beyond what was initially quoted and confirmed. 
If this issue is not resolved promptly, I will have no choice but to pursue legal action to protect my rights and the interests of the estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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 2024-06-26 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I made one {$150.00} payment to JP Morgan Chase on XX/XX/year>. That amount was properly withdrawn from my checking account. On XX/XX/year>, a second, unauthorized payment attempt was made from my account. I was subsequently charged a {$29.00} overdraft fee by my bank, XXXX XXXX XXXX XXXX. I called XXXX on XX/XX/year> : the XXXX representative informed me that this was occurring with many members who had Chase accounts, saying it was a glitch in the Chase system due to XXXX, and promptly refunded me the {$29.00} overdraft fee. The unauthorized charge for {$150.00} was not withdrawn. On XX/XX/year>, an unauthorized payment of {$150.00} was made to Chase. I called Chase to complain and was told by XXXX, Supervisor of Payments, that they had nothing to do with this charge and that it was a problem with my bank. I called XXXX to investigate the matter. XXXX, a Membership Services Representative, stated that a payment was attempted on XX/XX/year>, and that this was a retry after the payment failed. I informed XXXX, as I did the previous XXXX employee, that I never made a second payment to Chase. XXXX stated that it was not an XXXX issue. I expected to have that {$150.00} in my bank account this week, and did not expect to give it to Chase. I am vacationing with my family this weekend and an extra {$150.00} that I thought Id have would be nice. I want my {$150.00} back. I never miss a payment and have diligently paid Chase. I was not late and did not owe them any money for XXXX beyond what I paid them. In fact, the minimum payment was {$53.00}. I should not have to pay them when I do not want to pay them. Chase does not have taxing authority.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXXXXXX XXXX XXXX, American Express and XXXXXXXX XXXX are all in violation of several of my rights as a federally protected consumer. They are in violation of the Privacy Act of XXXX " Charge offs are considered certificates of Indebtedness. 
Certificates of Indebtedness are considered XXXX by the XXXX according to XXXX  XXXX Publication XXXX. XXXX is not to be reported on consumer and credit reports. 
I would also like to point out XXXX XXXX XXXX, American Express and XXXX XXXX  are in breach of their Fiduciary Duties to me by failing to send me my copy b of form XXXX among many other things such as transparency, good faith, disclosure, accounting and loyalty. 

In addition, they are violating XXXX XXXX XXXX, it is illegal to report transaction history. 

Furthermore, according to their own XXXX filings under XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX # XXXX ) American Express ( XXXX file # XXXX ) and XXXX XXXX ( XXXX file # XXXX ) agree they will not commit language fraud, however they failed to provide an open end credit card in compliance with the definition of open ended credit per 16 CFR 433.3.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: DISCOVER BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  are all in violation of several of my rights as a federally protected consumer. They are in violation of the Privacy Act of XXXX " Charge offs are considered certificates of Indebtedness. 
Certificates of Indebtedness are considered XXXX by the XXXX according to XXXX XXXX Publication XXXX. XXXX is not to be reported on consumer and credit reports. 
I would also like to point out XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX are in breach of their Fiduciary Duties to me by failing to send me my copy b of form XXXX among many other things such as transparency, good faith, disclosure, accounting and loyalty. 

In addition, they are violating XXXX XXXX XXXX, it is illegal to report transaction history. 

Furthermore, according to their own SEC filings under XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX # XXXX ) XXXX XXXX ( XXXX file # XXXX ) and XXXX XXXX ( XXXX file # XXXX ) agree they will not commit language fraud, however they failed to provide an open end credit card in compliance with the definition of open ended credit per XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: CL Holdings LLC
State: IL

Complaint narrative:
the company is furnishing old information as newly attained, most information isn't mine or incorrect. I also have never given them consent to furnish any negative items.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: NJ

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employer - XXXX XXXXXXXX XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-26 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: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2024-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
Could you clarify the debt collection notice I received from XXXX XXXX XXXX, dated XX/XX/XXXX? The notice refers to a debt originally owned by XXXX XXXX  XXXX and now claimed by Jefferson Capital Systems , LLC, as the creditor of the account. The debt in question is related to a XXXX XXXX account. I am particularly concerned because the notice includes references to various corporations. I would like all relevant documentation supporting Jefferson Capital System XXXX 's authority to collect this debt as soon as you can. 
Theres another issue that concerns me. I recall asking for documentation of this same authority before, on or about XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, during which I received a response from Jefferson Capital Systems , LLC, acknowledgment of my request, and confirmation that this account was closed, further acknowledging that they were terminating collection action, dated for XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-26 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: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, Transunion, XXXX, and 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 2024-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, XXXX, Experian, and 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 2024-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Truist Bank. Around 2020 year, my problem started, when one of of officers offerd me to make a loan, I told her I don't need it. She insisted and I said no. Then after days she gave me 3 credit cards. I said Whay? I don't need 3 credits card. She said, Just keep it, you used when you nee it. I took them. Now, I have used XXXX XXXX in XXXX, XXXX in other. 
In XXXX I had to purchased in my apaerment almost every electric machines and 4 windows. I request the bank a loan for {$10000.00} XXXX dollars, at that time the interes wasXX/XX/XXXX %, great deal. The bank took long time for the approval until the loan was with a high interest XX/XX/XXXX %. 
The oficer said they will give me XXXX XXXX dollars, I said I just ask for XXXX, he said you will keep it until you meed it. My balance in XX/XX/XXXX, was {$17000.00}, I was paying {$250.00} a month. I want to pay and the XXXX said I don't need to pay because I have paid unit XX/XX/XXXX. The bank stop the payments payments. The loan has increaced from {$17000.00} to {$18.00}. It is not fair that the bank did not allow me to keep paying my loan.. 
In XX/XX/XXXX I ask for a loan XXXX to pay credit cards, and the XXXX said why you don't barrow XXXX XXXX. The bank did not apporved. then the XXXX said we will do it for {$50000.00} XXXX, I said I just need {$10000.00}, well he said when you ned it you will have it. Because I didn't answer, Twice they mail me the contract, for me to sing it for {$50000.00} thusand. 
The bank Truist is directing me wrong in respect to my account, and getting advantage of my requirements. 
I need yout assistance. The bank cano't offerme loans that I wont be able to pay.and prohibite me to pay for XX/XX/XXXX months my loan.

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