vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-04 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has violated my rights.

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

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 2023-09-04 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: NY

Complaint narrative:
I WILL ATTACH MY CONSUMER REPORT FOR XXXX XXXX THAT'S NOT BEING REPORTED ACCURATELY -- -TRANSUNION IS REPORTING LATENESS FOR XXXX, XXXX & XX/XX/2022 WHILE XXXX IS REPORTING PAID STATUS -- THIS IS NOT 100 ACCURATE REPORING -- ALSO PER 12 CFR 1026.13 THIS IS A BILLING ERROR & LATENESS ARE NOT SUPPOSED TO BE REPORTING ON A OPEN ENDED PLAN SUCH AS THIS ACCOUNT PER 15 U.S. Code 1637 - Open end consumer credit plans...

AGAIN, THIS ACCOUNT IS NOT BEING REPORTED ACCURATELY AS PER 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I have noticed this fraud account from Capital One. I disputed it whit the bureaus ( XXXX, XXXX, XXXX ) and they're telling me it's verified. I have never been associated with address on file ( XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
so I was looking for a retention bonus to keep my card open I talked to a rep overseas if you listen recorded call he said he could put a XXXX credit on my account XXXX miles if I spent XXXX on the account in 3 months when he presented the XXXX he never said anything about spending the XXXX so I talked to his supervisor who said they would listen to the call. so he said it would take about 3 weeks for a resolution so somehow it only took.day or so and the company said the rep did say there was a XXXX spending limit and he did not say this at all. then I called back and supervisor said he listened to it and said the same thing I was like well let me here the call and they would not let me do that because I know what he said and he did not mention this XXXX spending in order to get the XXXX credit. I have written to the coperate offices on this mater several times and they not responded to me once I sent about 3 emails to the ceo that were all unanswered. I even called the corporate offices 2 weeks ago that give me an email to send it too and they still have not answered yet I just want my XXXX credit I was promised over the phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I leased a vehicle with Mercedes-Benz credit XX/XX/XXXXXXXX  for 30 months, ending XX/XX/XXXX. Vehicle was paid on time during the term, during Covid-19 I requested a payment extension as I lost my job and was unable to continue making payment ts on the lease. My lease was extended for 6 months and I begun payments again XXXX of XXXX. XX/XX/XXXXXXXX   vehicle was inspected at my home because lease was ending XX/XX/XXXX. Vehicle was picked up at home XX/XX/XXXXXXXX   end of lease and a month later I received a letter to pay {$6500.00} for mileage after inspection and fees that didn't apply. I contacted Mercedes-Benz Financial and they sent me a letter with a XXXX balance and I have send it to the credit bureau numerous of times and they fail to remove it from my credit and is causing a negative impact in my credit unable to lease or finance a vehicle and I need this removed immediately so I can lease a car to commute to work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
They were charging me very high interests of almost 75 % for purchases in the store

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE DELETTE THIS INFORMATION IS INCORRET.

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 2023-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: FL

Complaint narrative:
Being charged 408 % interest. Negative amortization on loan. {$2500.00} loan paying over {$8000.00} in total with {$450.00} twice monthly payments. Ive already paid over {$2000.00} but currently owe more than the amount borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I send money weekly to my daughter. 
Today, out of nothing I am asked to called customer support to get a code. 
Citigroup with their unacepable practices, blocked my access partially to the account. Called to ask the reason, they refused to provide the reason, escalated and spoke to a rude manager, who refused to help. Then in order to use the account, code, they asked me for a secret word, that I don't remember. They were unable to help. unwilling to identify the reason, unwilling to provide information for a relevant complain. I believe, I am in the right as owner of the account to know the reason of such block, and second to access my account... they should have a secondary way to verify the user, wether it is sending a picture of ID, or asking more questions.

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 2023-09-04 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: TX

Complaint narrative:
On XX/XX/2023 i submitted a dispute XXXX and after contacting the data furnisher experian and after their investigations the account was removed from my credit file .Still to date the account is still showing on my credit a collection XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Grain Technology, Inc.
State: NY

Complaint narrative:
# 1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: NY

Complaint narrative:
# 1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER 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 2023-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
For the past several months would receive calls from affirm 3 or 4 times a day. Even late at night after 8 and close to 9 which is very inconvenient to my family trying to sleep and a new born child. Tried talking to representatives but would not listen and kept talking over me as the caller only wanting debt and not discussing any issues brought up

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have tried to resolve issues with Account Resolution Services ( ARS ) a number of times and it still is reporting on all 3 of the credit bureaus. 

In my last attempt I sent a certified letter ( number XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2023 to ARS asking them to send me a mutually signed novation with regard to the alleged debt. They have yet to respond ( about 5 months ) and they have 3 accounts still listed all for the same amount {$970.00}. 

Even if they still think they have a valid claim, which I do not think they can validate it, plus their non-response to my letter constitutes an agreement where they are barred from legal action to the alleged accounts, [ 15 USC sec 1692e ( 8 ) ] states that they must, minimally, inform the credit bureaus that the debt is disputed. 

I am uploading the letter that I sent plus the green  return receipt card for the certified letter as proof that they received it. 

Thank you in advance for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05 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: NJ

Complaint narrative:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: DISCOVER BANK
State: MA

Complaint narrative:
I applied for a personal loan and was denied because of excess inquiries on my report. When I read my report, I found several hard inquiries with companies that I did not authorize to run my credit I would like to have them removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: TX

Complaint narrative:
On XX/XX/, I received a letter from Hunter Warfield attempting to collect a debt from XXXX at XXXX in XXXX Colorado ( XXXX ) in the amount of {$7300.00}. I attempted to contact XXXX at XXXX to rectify this fraudulent account. They were aware that the person that was using my name was identity theft. I contacted them prior to filing the police report. A detective ( XXXX XXXX XXXX ) assigned to the case contacted XXXX at XXXX to identify the perpetrator but was unsuccessful. The person was later evicted and the remaining unpaid balance was sent to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: PA

Complaint narrative:
I XXXX XXXX XXXX noticed for fraudulent closed accounts appearing on my credit report these accounts are hurting my credit report I have attached an FTC report and other supporting documents.

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 2023-09-04 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: NC

Complaint narrative:
I am writing to dispute the accuracy of the information reported by XXXX XXXX on my credit report, specifically regarding the account with the account number XXXX. According to my records and my understanding of my financial obligations, there are significant inaccuracies in the way this account is being reported. 

XXXX XXXX has reported this account as a " charge-off, '' indicating that they have written off the debt as uncollectible. However, the account is still being reported with a balance, which is not in alignment with the definition of a charge-off. A charge-off typically implies that the debt has been deemed uncollectible and has been closed or settled. 

I am formally requesting that the reported account be immediately deleted from my credit report for the following reasons : Inaccuracy of Reporting : As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and complete information to credit reporting agencies. Reporting a charge-off account with an outstanding balance is misleading and does not accurately reflect the current status of the debt.

Violation of FCRA : The reporting of this account with an outstanding balance may be in violation of the FCRA, which requires that information reported to credit bureaus is both accurate and complete. Inaccurate reporting can have a significant adverse impact on my creditworthiness.

Impact on Credit Score : The inaccurate reporting of this account negatively affects my credit score, making it difficult for me to secure credit, obtain favorable interest rates, or access various financial opportunities. 

I kindly request that you investigate this matter promptly and remove the inaccurately reported account from my credit report. Please provide written confirmation of the deletion to my address mentioned above. 

Additionally, I request that you notify XXXX XXXX of my dispute and request that they update their reporting to accurately reflect the status of the account as a charge-off with a XXXX balance. 

I appreciate your prompt attention to this matter and your assistance in resolving this dispute. Please find enclosed copies of relevant documents that support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I was invited to apply for the personal loan with PNC. I had a good XXXX XXXX however, they denied me because my tax returns or filled out by hand and I typed in which I thought was ridiculous. I do my own tax returns. And then it showed up as a hard inquiry on my credit report, which is preventing me from getting approved an additional loans I would like this PNC hard inquiries removed my book report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04 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: NY

Complaint narrative:
# 1 ) Per the IRS Publication 4681 any cancellation of debt is considered a certificate of indebtedness and its now income. Income can not be reported per the IRS publication. ( I WILL ATTACHED THE IRS PUBLICATION FOR YOUR REVIEW. -- - # 2 ) PER 12 CFR 1026.13, THIS IS A BILLING ERROR AS LATE PAYMENT CAN NOT BE REPORTED ON A OPEN ENDED PLAN ( 15 U.S. Code 1637 CREDIT CARD ACCOUNT ) -- - # 3 ) PER THE PRIVACY ACT, 5 U.S. Code 552a -- -- I HAVE THE RIGHT TO PRIVACY & FINANCIAL HISTORY IS NOT PUBLIC INFORMATION. I AM REQUESTING TO OPT OUT & REQUEST FOR DELETION OF THIS ACCOUNT OFF MY CONSUMER REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/, a purchase that I was unaware of and did not make appeared on my Ollo statement for {$180.00}. I did not make this purchase as I have not used this credit card in almost a year. This is the second time I have been frauded on this particular credit card. I contacted Ollo card on XX/XX/ and disputed this charge as fraud. The amount was placed on hold while they investigated this fraudulent charge. The company requested I complete paper forms to dispute this charge. I mailed back one letter on XX/XX/ and the other letter XX/XX/XXXX  both certified to make sure Ollo received the letters. Both letters asked the exact same questions, but I responded to both of them and tracked the certified letters to make sure the company received the required forms. At this time Ollo was transitioning to Ally. I got the feeling that these correspondences would be lost in this transition. 

On XX/XX/XXXX  I received another letter stating that based on their investigation this was a legitimate purchase and that I was still liable to pay for this unauthorized purchase. On XX/XX/XXXX  I called Ally and talked to XXXX at Ally card services disputing this charge as fraud once again. The amount was placed on hold on XX/XX/XXXX  while they conducted their investigation. The fact that this is the second time this particular credit card has been frauded leaves me to believe this is internal fraud. On XX/XX/XXXX  I received a letter once again stating that the company did not believe the purchase was fraudulent and that if I did not pay it they would report the purchase to all three credit agencies and turn me over to collections. 

By the time I returned home from my job the bill was already due on XX/XX/. I paid for this fraudulent charge on XX/XX/XXXX  not wanting this unauthorized purchase to affect my credit and having no other recourse than Consumer Financial Protection Agency. I plan to close out all of my accounts with this company this week since they have coerced me into paying for a fraudulent purchase I did not make. I have never heard of a credit card company forcing a customer to pay for an unauthorized purchase. 

Please assist me in any way possible to recoup the {$180.00}. This company needs to be investigated for fraud.

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 monetary relief