vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 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:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4. XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Despite numerous attempts to address these inaccuracies with the reporting agencies, the negative items remain unchanged, affecting my ability to secure credit and loans. I believe these inaccuracies stem from erroneous reporting or misunderstanding of my financial history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Perpay, Inc.
State: WA

Complaint narrative:
Perpay has an account reporting on all three of my credit bureaus with a balance due of {$2000.00} this account is reporting as a closed/charge-off. I sent Perpay a check for the full amount on XX/XX/XXXX. ( Check # XXXX ) Tracking # XXXX delivery confirmation on XX/XX/XXXX. The check was never cashed, and I never received a letter or call of acknowledgment. Zero response from Perpay. I ended up stopping payment on the check 90 days later. I wanted to give them sufficient time to resolve this. 

My second attempt was on XX/XX/XXXX I mailed a certified letter signature conformation ( XXXX ) this time asking if I paid in full to remove this account, If so, I promised to pay in Full within 15 days. I have not heard anything. No call, email, or mail correspondence. 

I want to take care of the matter and get this off my credit report or at the very least a XXXX balance. This has caused a hardship and I feel I have definitely made an attempt and should not be penalized for their lack of attention. 

I ask that the account from Perpay be immediately removed from all three of my credit reports ( XXXX, XXXX, and XXXX ). At the very least remove this account until it is resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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 XXXX XXXX XXXX  and XXXX XXXX XXXX are all reporting charged off accounts when charge offs are considered income I do not consent to have any of my income being reported unlawfully to any third-party credit bureaus. 

Should any credit bureaus decide to not immediately remove these accounts I intend to Sue them for damages directly for the violation of my privacy. Please see attached JS 44 Form Civil Cover Sheet that I am fully prepare to process should you not honor my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: FL

Complaint narrative:
Do not have any association with this company.. Have never done any business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
on XX/XX/2023 while living out of XXXX  for a few months i was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. I was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  " XXXX  ''. The people i was taken by proceeded to gain access to all my personal belongings including phone, watch and wallet. they had complete access to phone passwords, card pins etc. After regaining full consciousness i found myself dumped and left in a public park without knowing or remembering what just happened. i was picked up by police and taken to XXXX XXXX. while at the XXXX  i was asked multiple question to try and remind myself any possible information on what occurred which took some time to fully regain consciousness. in the meantime trying to get a hold of family members or anyone to would take charge of me. I was taken to clinic by police XXXX and discharged around XXXX. During this time the people that took me had the opportunity to make many purchases through my credit cards on my phone through apple pay and physical cards. They also had access to all my personal ID ( florida drivers license, colombian ID and more ). same day after being discharged i contacted all banks and told them what had occurred. Apple card/Goldman sachs have been the only entity that has not provided the credit on the purchases made after the dispute, totaling around {$6400.00} USD in about 15 purchases made through that card. Even after providing them with 2 police reports and the hospital report. Bank claim case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I am writing to express my deep dissatisfaction and concern regarding the deceptive practices employed by CitiBank in conjunction with their XXXX XXXX XXXX upgrade promotion. I received a mailer from CitiBank Credit Cards stating that I was eligible to upgrade my XXXX XXXX XXXX from XXXX XXXX to XXXX XXXX XXXX. The mailer further enticed me with a list of incentives, prominently featuring the promise of receiving XXXX bonus miles if I spent {$7000.00} within the first three months of receiving the upgraded card. 

Relying on the representations in the mailer, I upgraded my card, transitioning from paying {$99.00} annually to a hefty {$590.00} annual fee. Despite diligently meeting the spending requirement within the stipulated time frame, I have yet to receive the promised XXXX bonus miles. 

Upon contacting CitiBank Credit Card 's customer service to address this issue, I was shocked to be informed by a customer service agent that the incentive advertised in the mailer only applied to new accounts, not upgrades. This revelation contradicted the clear and unambiguous language of the mailer, which led me to reasonably believe that I would receive the incentive upon upgrading my existing account. 

Furthermore, I was disturbed to learn from the customer service agent that I was not alone in experiencing this deceptive discrepancy. It is deeply troubling to discover that other customers have been similarly misled by Citi Credit Cards ' misleading advertising tactics.

I find it wholly unacceptable that CitiBank would engage in such deceptive practices, causing me to incur a significant financial burden based on false promises. Despite acknowledging the deceptive nature of the mailer, I was informed that the only recourse available to me was to submit feedback to the company. 

I urge the Consumer Financial Protection Bureau to thoroughly investigate this matter and hold CitiBank accountable for its misleading and unfair business practices. Customers should not be subjected to deceptive advertising tactics that ultimately result in financial harm. 

I request that appropriate action be taken to rectify this situation, including but not limited to honoring the promised incentive or providing appropriate compensation for the misleading advertising and financial burden imposed upon me.

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 2024-03-20 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:
My report is containing information that is supposed to be excluded from my credit report. I have already reached out to Experian more than once and I am being ignored about these consumer violations.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I believe that this account is reporting inaccurately.

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 2024-03-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
Im not for sure if the day but I think I was sue and never gotten a court paper on it so I'm afraid that I will be arrested and I want to see what to do in order to keep myself out of jail. I do have a job and I don't want to lose it or anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AZ

Complaint narrative:
Around the date of XX/XX/2022 I applied and got approved for a Discover Cash back XXXX XXXX XXXX. I paid my credit card on time and accordingly for 6 months. Events that took place in my life caused me to fall behind on my bills which caused Discover to report 12 months of late negative history on my report. The FCRA clearly states under 15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This clearly states that transactions between the consumer and the person/ Corporation making the report is not included on the consumer reports yet you are still reporting this information to my consumer reports. Furthermore the account is listed as Charge-Off and to my understanding by definition The IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I was a victim of identity theft and someone fraudulently opened a credit card account with XXXX XXXX in my name. Account ending in # XXXX opened in XX/XX/2023.

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 2024-03-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: The Savings Group, Inc.
State: PA

Complaint narrative:
On Tuesday XX/XX/year> ; I accepted an offer to refinance my car loan through XXXX XXXX and their lending partner XXXX. The offer was an 84 month term at 6.35 %. XXXX XXXX used my address, income, credit score, and current loan information to qualify this offer. On Wednesday XX/XX/year> ; XXXX approved me for a loan but quoted interest rates higher than I currently pay and stated that the rate and term that were selected were not available. The employee of XXXX ; XXXX XXXX ; then stated that interest rates are dependent on political climate and impacted by the election and offers are dependent on zip code. I highlighted the numerous consumer lending violations at play here ; advertising rates and terms that were not available, statements made by the company ( via XXXX ) which are false and illegitimate, and how if any of those statements were being used they would be further violations. 
XXXX continues to have rates advertised as low as 5.45 % ( 60 month term ) through XXXX XXXX ; however the lowest rate they are offering is 8.04 % ( 60 month term ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I received 2 calls, I missed. I called this XXXX number back I am connected to XXXX XXXX. He says I've been treated wrong, I have a lawsuit on my hands he needs my information. I ask what's this in regards to, XXXX XXXX replies your Capitol one account from XXXX. ( I've been hounded alot with this accusations ) So I ask how I can help, XXXX XXXX says I have his mother 's birthday, so he's gon na help me. 
He's gon na tell me about a fraud case I have in my favor. Can he get my birth date, I give it. I give my address, XXXX XXXX tells me my social security number, then states what I owe capital one, {$6900.00}. 
It's wrongful charges, he's gon na get them dropped. 
XXXX XXXX call XXXX XXXX, asked there civil filing fee. 
The XXXX XXXX calls XXXX XXXX XXXX and asks there serving fees. 
XXXX XXXX then transfers me to XXXX XXXX 's who attempts to get my credit card information. I ask for verification of who I'm giving my credit card information to, and what's the reference number, and he tells me I'm gon na loose my deal. I will not get this XXXX dollar debt covered for XXXX if I don't give him my information right now. 
I call first point who XXXX XXXX 's claims to represent and they have no employees with that name. 
Is this a real debt collector, is this a scammer with all my information? 
Please help Resolution. Fix my credit. Make sure my social security number is not in wrong hands. Find out if these numbers are real, or scam

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 2024-03-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I received the Satisfaction of Mortgage and Truist Bank informed that there was an overpayment of {$25000.00} that will be deposited in my Truist personal account ending in XXXX between 2-3 business days. 

I have called several times and they kept telling that XXXX XXXX. will be transferring those funds but it has passed almost 40 days without results yet. Today, they asked me to submit copies of Insurance policies for my property and that they will be giving me an answer this afternoon but it is almost XXXX XXXX and they didn't call back. 

I don't understand at this time, which is the reason to hold my refund that long and .I need the money to comply with urgent payments. 

My Truist Heloc Account Number is XXXX and WAS already paid off since XX/XX/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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

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 2024-03-20 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 non-monetary relief