vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-27 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: CA

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXX Original CreditorXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00} XXXXXXXX XXXX  : XXXX 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 non-monetary relief
Consumer complaint received 2024-11-27 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've banked with Chase for several years and have found their card portfolio to be excellent while their customer service is a hit or miss ; They can be rude or unhelpful not acting in the spirit of service and customer satisfaction. This is one of those occasions. 

I applied for and was approved for the XXXX XXXXXXXX XXXX on XXXX. It was advertised with an intro offer of XXXX XXXX miles after $ XXXX spend in the first 3 months. 

Barely over a month later o/a XXXX, Chase changed the intro offer to offer XXXX XXXX miles + XXXXXXXX XXXX for the same $ XXXX in spend in the first 3 months. 

Here is the link for the new improved offer that I also provided Chase as proof in the secured message center. 

https : //creditcards.chase.com/travel-credit-cards/united/united-quest I asked via secure message on both XXXX and XXXX for Chase to honor the new offer considering it was 1. Barely over a month since I had been approved for the card 2. Most critically, I haven't received the intro bonus yet 3. I was within the 3 month window of the spend offer 4. I was charged the {$250.00} annual fee already. 

They refused twice via secure message. They're subjecting me to a bait and switch and are not honoring their offer change in good faith. This marks for poor business practice and a loss of confidence and trust in Chase on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: GA

Complaint narrative:
I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX  Account Number : XXXX Balance : {$1200.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$64000.00} Account Name : XXXX  Account Number : XXXX Balance : {$2000.00} Account Name : XXXXXXXX XXXX Account Number : XXXX Balance : {$44000.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Balance : {$3800.00} *** KINDLY DELETE AND BLOCK ALL NON ACCOUNT HOLDING INQUIRIES AS I DID NOT AUTHORIZE THEM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: DC

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optimum Outcomes, Inc.
State: FL

Complaint narrative:
Company contacted my wife repeatedly over an account that she had nothing to do with and threatened to take credit action. They were repeatedly told that the correct person was me and that the account was already paid in full with the original credit. Finally they sent a debt collection notice to me, but continued to call and harass my wife ( after confirming they received written notice that they were not to call and only use written correspondence ). I sent a request for proof of debt, which they received, and they have not responded as their own records show the debt is not valid. They continue to call my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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:
I am writing to formally dispute an incorrect address listed on my credit report. The address in question, XXXX XXXX XXXX, XXXX, GA XXXX, is not accurate and should not be associated with my credit file. 

My correct address is XXXX XXXX XXXX XXXX, XXXX, GA XXXX, where I have resided for over three years. I am concerned that the presence of an inaccurate address may negatively affect my credit report and could lead to issues with identity verification or inaccurate reporting.

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 [ 15 U.S.C. 1681i ], I have the right to dispute incomplete or inaccurate information in my credit report. I request that you promptly investigate this matter and remove the incorrect address from my file.

To assist with your investigation, I am including the following documents : A copy of my government-issued Drivers License reflecting my current address A copy of my social security card I kindly request confirmation once this error has been corrected. Please notify me of the results of your investigation as outlined under FCRA Section 611 ( a ) ( 6 ). 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: Mercedes Benz Financial Services
State: AZ

Complaint narrative:
My husband and I bought a Mercedes XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, we paid off the loan in the amount of {$41000.00} as per their instructions. Mercedes claimed to receive the check on XX/XX/XXXX, and said we owe them {$220.00}. I called Mercedes Financial Services ( MFS ) many times between XXXX XXXX XXXX, to clarify this issue and request pay-off quote. About XXXX XXXX XXXX promised to send a pay-off quote. Nothing was issued. I called again on XXXX XXXX XXXX said that they are working on it. Meanwhile, our account on XXXX continuously stated, no pending balance, pay-off quote not available, account not eligible for payment, account closed document in process. I called MFS again on XXXX XXXX and MFS said that {$220.00} has been waived and thats the reason theres no pay-off quote because theres no pending balance and that we are in the process of issuing the title. No further payments are required as account is paid-off and closed. On XX/XX/XXXX we received our title. 
Anyhow, before I could advise my bank to cancel the check as we already paid and received our title on XXXX, XXXX cashed a check of {$220.00} by my bank on XX/XX/XXXX, and kept the money for themselves under false pretext, after we cleared and paid the {$220.00} as confirmed by their representative. MFS is supposed to refund that money to us. But now they lie that {$220.00} was never paid and it was a write-off. They provide no proof as they are definitely committing fraud to keep our additional money. 
XXXX supervisor named XXXX promised to investigate the matter. He never calls back after he keeps promising to call back. Everytime I call, they give some fraud about write-up without any proof. XXXX with MFS and MFS said that MFS lied about waiver and payment of {$220.00} received and they are keeping {$220.00} as additional interest. I asked them for documents, they sent me fraudulent document created on XX/XX/XXXX, to cover their fraud. No documents about any pending balance from XX/XX/XXXX till date have been provided. XXXX said Mercedes does not keep documents as proof. They will keep any excess amount they receive, even if it amounts to stealing because their internal department said, its a write-off they deserve. 
See attachment, no pay-off quotes were sent in XX/XX/XXXX. See statement by XXXX, XXXX XX/XX/XXXX, the balance was XXXX after our full payment including {$220.00}. See that MFS still kept payment of XXXX despite XXXX balance. They are stealing our amount of {$220.00}. 
See attached, I sent an email to XXXX XXXX, XXXX, Managers as marked on email. But no response, just automated to call MFS who lie about write-off and never call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
A notice was sent to merchant to validate and confirm the account number. The account number does not match what was received. The name of the issuer is incorrect.

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 2024-11-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the XXXX account that has reappeared on my credit report without proper notification. As a victim of identity theft, I previously disputed this account with Equifax because it was fraudulently opened without my knowledge. On XX/XX/year>, Equifax confirmed the deletion of this account from my credit report. However, upon reviewing my updated credit report, I discovered that the XXXX account has been reinserted without any notification as required under the Fair Credit Reporting Act ( FCRA ). Specifically, this is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified within five business days of reinserting a previously deleted item. This account is inaccurate, fraudulent, and continues to harm me as a victim of identity theft. I request that Equifax immediately delete this account from my credit report and provide confirmation of its removal. Please address this matter promptly to comply with FCRA requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: WI

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 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: MI

Complaint narrative:
The laws established by Congress to protect consumers safeguard my right to privacy. By allowing unauthorized access to my financial information, you have violated federal laws and infringed upon my constitutional rights, resulting in significant harm and distress.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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
Consumer complaint received 2024-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

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 response to consumer: Closed with explanation