vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-16 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: OK

Complaint narrative:
I was the victim of identity theft and an unknown person attempted to purchase a vehicle using my personal information and credit. This resulted in the dealership running my credit and then sending the application to dozens of lenders in attempt to get an approval. This ended up placing dozens of inquiries only credit reports that were not mine, that I did not authorize and that were the result of identity theft. 
I have aske them to remove them and so far they have not and have refused to act on my requests. 
I am requesting that you instruct or order them to remove the unlawful inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I thing my car was targeted for repossession in a discriminatory manner, I made XXXX payments on loan for {$38000.00}, total payment over a 5 year period {$42000.00}. 
I explained I lost my income XX/XX/year>, after losing my income in XX/XX/year>, XXXX thru XXXX, I made {$6100.00} in payments with no income, & they refuse to work with me, the asked for {$3400.00} to reinstate my loan. 

Thank you for serving me. 
Respectfully, XXXX XXXX, XXXX ( XXXX ) XXXX Lender : Toyota Financial Services XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
This company is trying to XXXX charge me with XXXX {$35.00} overdraft fees from a transaction. That wasn't supposed to go through. And then because they took over a week for pending transactions, and tried to say that I didn't have enough to cover the transaction that I did when I transferred enough money to cover for the fee. 12 CFR 1005.17b ( f ). This is unacceptable and very unlawful and wrong. As long, as I have been a customer and I honestly don't think this is right!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Re : American Express Blue Cash Everyday Credit card ending in XXXX. 
I am filing a complaint against American Express related to Blue Cash Everyday credit card ending XXXX. I have been a card holder since XXXX and am familiar with how American Express operates including their policies and procedures. On XX/XX/XXXX I bought an XXXX XXXX with a trade in deal from XXXX store. Part of the deal was that I would credited {$300.00} for my old phone but it would take a week or so to process and that {$300.00} credit would go back to American Express credit card I used to purchase the XXXXXXXX. 

I usually have auto pay set up and my total bill came out to {$1400.00} for my XXXX statement. However, the {$300.00} credit hadn't posted yet. So I paused the autopay. I didnt want to overpay given I was waiting on a {$300.00} credit. Inadvertently, I became late for the payment. Soon as I found out I was late, I paid the card on XX/XX/XXXX. I asked the late fee and interest to be waived but American express did not. I paid both the late fee and the interest on XX/XX/XXXX. The balance is currently {$0.00}. This was my first time every being late with American express. They offered no leniency. They also increased the interest rate to 29 % going forward and the late fee for {$40.00}. They also didn't process my cash back rewards which would have been 3 % of the {$1200.00} item. 

My complaint is predatory increase in APR, late fee charge and no leniency for a long term customer. Additionally, they did not process my cash back. I am asking for my cash back rewards and removal of fees and interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: NY

Complaint narrative:
I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX BANK XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: PA

Complaint narrative:
XXXX has reported on my credit profile a Social Security account for {$500.00}. Said account was paid and closed at the creditor 's request. Yet, said account remains on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Had an account with BMO Harris bank in XXXXXXXX XXXX was told my account was {$5000.00} and negative. I have never used this account for the last XXXX years being that I had no longer lived in that state of XXXX at the time this occurred reached out to Bmo And no one has called me back. I have tried to get a fraud alert on my account that was no help. I will also be making a police police report report about this so this will not be on my 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 2024-12-16 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received an American Express gift card. The card has twenty-five dollars on it, which I can not access. The customer service line is not working to help with the situation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: ND

Complaint narrative:
I am disputing an account reported by XXXX XXXX on my credit report. The account in question was marked as " verified '' by Experian without providing me with any supporting documentation to substantiate this verification. 

On XX/XX/year>, I submitted a dispute to Experian regarding the accuracy of this account, as I do not recognize the debt. 
On XX/XX/year>, Experian responded, stating the account was verified by the creditor. However, Experian did not provide any proof or supporting documentation to substantiate the verification, such as an original signed agreement or payment history, as required under the Fair Credit Reporting Act ( FCRA ). 
Following Experian 's response, I also sent a direct verification request to XXXX XXXX. To date, I have not received any response or documentation from them to validate the account. 
Under the FCRA, I have the right to request and receive evidence that the debt is accurate, valid, and belongs to me. Experians failure to provide this documentation while continuing to report the account constitutes a violation of my rights under the FCRA. 

Timeline of Actions : Initial dispute submitted to Experian : XX/XX/year> Experian 's response : XX/XX/year> ( stating the account was verified without proof ). 
Letter sent to XXXX XXXX for verification : XX/XX/year> No response received from XXXX XXXX to date. 
I believe this account has been inaccurately verified, and neither Experian nor XXXX XXXX has provided me with sufficient evidence to confirm the debts validity. I am requesting the CFPBs assistance to investigate this matter and ensure Experian and XXXX XXXX comply with the FCRA by either providing proper verification or removing 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 explanation
Consumer complaint received 2024-12-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded 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 2024-12-16 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
i called credence debt collection customer service line on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX and was connected to a shady XXXX accent reprehensive of that company that at first glance it reminded me about the fraudulent nature of these species and their expert long lasting experience in them and after few questions i asked XXXX XXXX ( which seems like a maid up name ) about a better settlement offer other than what was posted on their website so it took them a minute and came back telling me that we can get you % XXXX off the current debt to get it resolved today and that time i did not have the available funds to accept the offer so i requested him to provide me the debt verification letter and a statement in writing that im going to get the discount guaranteed when i comeback with the money to pay them and he tried going around the subjects then told me that he needs to send it to back office for processing to buy time and make shortcuts but kept on aggressively saying he wouldn't be able to get me what i need with fake reassurances. 
i receive an email 2 days after which is just a normal auto generated reminder their system sends you to remind and attempt to get a resolution which shows the website of what i already see and has 5 or % 10 discount, not what what discussed or even close and that is only thing i got from them. its like taunting my request while they clearly knew what i asked for so this really infuriated me to the point i was going to really open my mouth and put them on a hard blast but my self discipline stopped that so im here asking for justice as i just feel violated and asking for your resources or anything that can be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: OH

Complaint narrative:
Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ).

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provided all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. I believe this is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report. 

Thank you for your assistance. 

Additional Information : Debt Collector/Agency NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
I am the victim of identity theft that occurred around the time of the alleged account opening. I did not open the account in question, and this company is reporting falsely to credit agencies that I opened the fraudulent account in XXXXXXXX XXXX XXXX, when according to response to my prior complaint, as well as other reports, the account in question was opened in XXXXXXXX XXXX XXXX Respectfully, I request this false information, fraudulently opened account as a result of identity theft, and any associated information, to please be removed from my account. The company said they received my cease and desist, but in the same statement, admitted to contacting me through information obtained through my CFPB Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX Balance {$3900.00} MB XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX Balance {$2200.00} XXXX XXXX  XXXX XXXX XX/XX/XXXXXX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: GUARANTEED RATE INC.
State: CA

Complaint narrative:
When I closed with KBHS they sold my loan and I was not notified, everything was on auto pay until a random company called about the status of my mortgage and I was not aware that it had been sold several times. When trying to contact KBHS they said they send all information to my old address but that is also not true because I had all mail forwarded to me. This has been a continuous battle which all started due to no communication with us which is why we have been trying to work with the current company but it has been a challenge. Out of all of the houses, we have never had to deal with anything like this. They no longer care now that the loan has been sold putting us in a difficult situation. I've made several complaints to them and it went nowhere. It has also been documented with all the companies that I the mortgage has been sold to.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: TX

Complaint narrative:
In accordance wit the fair credit reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; 15 USC 1681 Section 602A States I have right to privacy. 15 USC 1681 Section 604A Section 2 also stats a consumer reporting agency can not furnish an action without my written instruction. These accounts violate all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: AL

Complaint narrative:
XXXX has sold this fraudulent collection account to XXXX XXXX. According to XXXX, XXXXXXXX XXXX has submitted fraud reports to all three credit bureau ( TransUnion, XXXX, XXXX ). Recent activities XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; etc for {$170.00}. Two previous cases were reported on XXXX. One of which XXXX used XXXX XXXX to process. XXXX and Credit Bureaus failed the correct my credit reports, this blocking reoccurring posting of fraudulent charges which has resulted in XXXX points for two months causing my credit score to drop to poor. I am requesting financial recovery from XXXX XXXX XXXX XXXX  and all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-16 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: AL

Complaint narrative:
XXXX has sold this fraudulent collection account to XXXX XXXX According to XXXX, XXXX Adjustments has submitted fraud reports to all three credit bureau ( XXXX, Experian, XXXX ). Recent activities XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; XX/XX/year> ; etc for {$170.00}. Two previous cases were reported on XXXX. One of which XXXX used XXXX XXXX to process. XXXX and Credit Bureaus failed the correct my credit reports, this blocking reoccurring posting of fraudulent charges which has resulted in XXXX points for two months causing my credit score to drop to poor. I am requesting financial recovery from XXXX XXXX XXXX XXXX and all three credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: MD

Complaint narrative:
I strongly request the immediate removal of this late payment from my account, as it does not accurately depict my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Kindly update my account promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Did not hold their parking to the 5 % cashback never got 5 % cashback on the card that I spent with my credit card. They close my account but are still charging me fees that have reached {$1000.00} dollars. Also reached agreement and contract. If customer is unsatisfied with goods, purchased to contact customer service and dispute. Those charges for those charges to be removed with no limitation listed on the agreement or timeframe requested for items to be removed to close out the account that were never removed. The account remains closed but still gaining interest fees I did not ask them to close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-16 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: MD

Complaint narrative:
I respectfully urge you to promptly take decisive action to remove the fraudulent accounts 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