vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-04 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: AZ

Complaint narrative:
I am writing to formally request the blocking and deletion of a fraudulent inquiry on my credit report, resulting from a recent data breach in which my personal information was compromised. 
In accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of the following inquiry from my credit report : Fraudulent Inquiry XXXX o Date XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
under 15 U.S. Code 1681i ( a ), I have the right to request an investigation of disputed information. I am demanding proof of the investigation that took place, including documentation of the permissible purpose for these inquiries and the name of the person or entity who authorized them. If this evidence can not be provided, the inquiries must be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: NJ

Complaint narrative:
I am writing to address a series of violations committed by United Collection Bureau , Inc., including non-compliance with federal and state laws governing debt collection practices, consumer financial privacy, and data protection. 

1. Violation of the Gramm-Leach-Bliley Act ( GLBA ) United Collection Bureau, Inc. failed to provide me with a Consumer Financial Personal Privacy Policy Notice, as mandated under the GLBA. As a consumer, I have a right to be informed of how my personal financial information is collected, shared, and protected. Your failure to provide this notice is a clear breach of the GLBA requirements.

2. Non-Compliance with the New Jersey Data Privacy Act Your company has violated the New Jersey Data Privacy Act, which mandates the protection and secure handling of residents ' personal data. Your operations in New Jersey, despite lacking the proper licensing, registration, and bonding, exacerbate this breach. The New Jersey Data Privacy Act requires adherence to strict consumer privacy standards, which you have failed to meet.

3. Violations of the Fair Debt Collection Practices Act ( FDCPA ) United Collection Bureau , Inc. has engaged in several unlawful practices under the FDCPA, including : Harassment and Stalking : Your representatives have called me daily at my place of employment. Such behavior constitutes harassment, stalking, and a form of intimidation, which is expressly prohibited under the FDCPA.

Contacting Third Parties Without Permission : Your agents disclosed information about my debt to third parties without my consent. The FDCPA explicitly prohibits revealing a consumer 's debt to unauthorized third partiesl.

Continuous and Repeated Calls : Your frequent and repeated calls are a form of harassment, further violating the FDCPA 's standards for fair collection practices. 

XXXX. Unlicensed and Unregistered Operations in New Jersey United Collection Bureau , Inc. ( XXXX ID : XXXX ) is not licensed, registered, or bonded to conduct collection activities in the State of New Jersey. While your company may be authorized in XXXX XXXX, XXXX, XXXX, and XXXX, this does not grant you legal authority to operate in New Jersey. As such, all collection attempts in this state are unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing a complaint regarding American Express ( Amex ) due to issues arising from a financial review process that began on XX/XX/year>. Amex requested my recent payslips and bank statements from XXXX XXXX XXXX, which I use to pay my Amex credit card bills. I downloaded these statements directly from XXXX online banking system and promptly uploaded them to Amexs secure portal, as requested. Later that day, an Amex representative confirmed that they had received all required documents and that they were acceptable for review by their back office team. 

However, on XX/XX/XXXX, I called Amex to follow up on the review status and was informed that my XXXX bank statements could not be verified, despite the initial confirmation on XX/XX/XXXX. I re-uploaded the original XXXX documents, but Amexs system still failed to verify them, creating confusion and causing unnecessary delays. This inconsistency between initial acceptance and later rejection was frustrating and difficult to understand. 

Additionally, I am unclear why Amex placed me under financial review and suspended all of my credit cards during this time. The reason provided seemed to involve doubts about my ownership of the XXXX account I use to pay my Amex bills. However, I am the sole owner of this XXXX account, and the bank statements I submitted clearly indicate this ownership. Despite this, my Amex credit card accounts were suspended, and I was asked to undergo an extensive verification process. 

To resolve the verification issue, I participated in a three-way call with both Amex and XXXX to facilitate the process. However, both institutions required me to contact them directly for identity verification, creating a conflicting situation : each institution insisted on direct contact from me alone, making it impossible to complete the verification. Amex then requested a bank letter from XXXX to confirm my account ownership. Since I reside in New York and all XXXX branches are located in XXXX XXXX, California, obtaining such a letter in person was unfeasible. 

As a result, Amex has now informed me they will suspend payments from my XXXX account to my Amex credit card due to the inability to verify my bank statements. This has been an extremely frustrating experience, and the conflicting requirements between Amex and XXXX have made it unnecessarily challenging to complete the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: MD

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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 2024-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have banked at XXXX for over XXXX years, recently with the assistance of the Bank Manager, I requested XXXX cashiers checks to be sent to a friend in Georgia to look at a few homes I had listed for him, once the checks were received in his bank a Fraud Agent at XXXX declined payment stating my age and mental ability, For a few days, I worked along with them freezing my entire account so that automatic withdrawals could not be paid, I was also not able to do a XXXX payment which I do XXXX  for XXXX I just had XXXX XXXXXXXX and then XXXX XXXX. I am an XXXX XXXX XXXX female, last Friday, XX/XX/XXXX I met again with the Bank Manager and an on line Fraud gentlemen, The man that has been handling my account was not present. When I left the meeting, I had told the XXXX people in attendance that I wanted the hold on cashiers checks lifted, and I understood that would mean that chase would sever business with me, I called XXXX times over the weekend to the Fraud Man, XXXX and de stated what i wanted to do, I also called this morning starting at XXXX XXXX and asked that he return my call and verify my request, He still has not called nor have my calls to Bank Manager been returned. I now believe they will not talk to me. I find this very unprofessional and even If they have suspicions about my account with my authorization, ,they should release my funds, I wanted to transfer my funds to an account I have at XXXX XXXX XXXXXXXX and then continue paying my bills but they will not even respond to me, I have tried Friday, Saturday and today with no success. They dont answer my calls and they dont return them, the money for the certified checks have already been removed from my account, I just want them to allow my receipient to cash those checks and let me leave Chase bank , why do I feel like a hostage,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 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: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My lease ended in XX/XX/year>, and I returned the XXXX XXXX XXXX back to the dealership in great condition. During the turn in process I asked if there were any other costs that needed to be squared up and was told nothing further need to be done. 
Scroll forward into XXXX and I noticed my XXXX XXXX dropped by XXXX points. I looked through and noticed GM Financial had added a fee of {$390.00} ( XXXX XXXX ). At this point, I know you guys have likely gotten a slew of these types of complaints I'm sure. 
But, anyways, I paid {$1500.00} upfront that was supposed to take care of all of this type of stuff. When I reached out to the XXXX XXXX XXXX dealer I got the run around, so I called GM Financial directly and got stuck on hold for over an hour. 
I've since paid the {$390.00}, and my XXXX XXXX got hit again for XXXX more points because of the timing in paying the bill. 
This is ridiculous! There shouldn't be a fee for taking the car back, and I think it's really crazy to have to whip out a three-year-old contract to ensure people don't get screwed because you think these dealerships should know what they're talking about. 
Disposition Fees are absolutely predatory, and I hope they are no longer allowed. 
Really makes me sick to my stomach to see GM automated systems destroy my credit with charges I'm completely unaware of. 
XXXX months ago, I had an XXXX credit score.. today I have a XXXX because of GMs absolutely horrible process concerning these disposition fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-11-04 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: CA

Complaint narrative:
I just applied for a credit card and was shocked to learn that I had been denied credit. When I pulled my credit report, I found some of the information very confusing. I want to make sure that everything is accurate, therefore I want you to look into it for me. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: MA

Complaint narrative:
I am not liable for this debt of $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX I do not have a contract with XXXXXXXX XXXX XXXX XXXXXXXX XXXX they did not provided me with the original contract with as I requested my wet signature and ID verification.

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 2024-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-11-04 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: TX

Complaint narrative:
I urge you to take immediate action to remove these unauthorized accounts from my credit report. Their presence is distressing, and I did not approve them. Please address this without delay.

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 2024-11-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: MARINER FINANCE, LLC
State: TX

Complaint narrative:
Mariner Finance charged off debt in 2023 to XXXX XXXX XXXX. Account has since been settled with XXXX  XXXX XXXX  and has two payments remaining. Current balance is {$550.00}. 

Mariner finance is still reporting full balance of loan with a status of charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: MA

Complaint narrative:
I am not liable for this debt of $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX do not have a contract with XXXXXXXX XXXX XXXX XXXXXXXX XXXX they did not provided me with the original contract with as I requested my wet signature and ID verification.

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 2024-11-04 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: MA

Complaint narrative:
I am not liable for this debt of $ XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX do not have a contract with XXXXXXXX XXXX XXXX XXXXXXXX XXXX they did not provided me with the original contract with as I requested my wet signature and ID verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: NY

Complaint narrative:
My credit report currently contains items resulting from fraudulent activity, from which I received no benefit and to which I did not consent. I have formally reported these fraudulent entries to the Federal Trade Commission, yet they remain on my report. Their continued presence is causing unnecessary damage to my credit standing and personal reputation.

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 2024-11-04 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: NY

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-11-04 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: CA

Complaint narrative:
As I was going through my credit profile I noticed I had some inquiries that do not belong to 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 2024-11-04 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: FL

Complaint narrative:
I am writing to formally request your assistance in addressing an issue concerning TransUnion 's inaccurate and potentially unlawful reporting of child support obligations furnished by the XXXX XXXX XXXX XXXX As a consumer, I believe this reporting violates my rights under federal and state law, including prima facie evidence of unfair reporting practices that could significantly impact my financial standing and creditworthiness. Despite my efforts to resolve this matter directly, TransUnion continues to reflect this information inaccurately on my credit report, failing to adhere to consumer protection standards established by the Fair Credit Reporting Act. I respectfully request your review and investigation of TransUnions reporting practices in relation to the XXXX XXXX XXXX XXXX, as it appears they are improperly disclosing personal financial information that does not meet statutory requirements. Please take the necessary actions to ensure compliance and to prevent further damage to my credit record.

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 2024-11-04 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.

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 2024-11-04 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: VA

Complaint narrative:
My credit score has dropped significantly due to multiple fraudulent accounts appearing on my report. These accounts were opened without my authorization, and they are severely impacting my credit standing.

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 2024-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My account was blocked from accessing internet banking, so I want the bank to close my account, but they refuse to close it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-04 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: TX

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on 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