vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-09 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I went to Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The bank looked like any other branch from the car as I approached. I parked my car and got out. I tried the ATM and my transaction was declined. I went inside and the employee told me that the branch does not have cash and that I should try to ATM. I tried the ATM several more times and it did not work. Since the branch did not keep cash other than what was in ATM, I was unable to get the cash that I needed. My balance was more than sufficient to cover the withdrawal. I received no automated way of clearing up the declined transaction. When I called the number on the ATM screen, they explained that it had been suspected fraud and that I could try again. But by that time I had to leave. This is was extremely inconvenient for me and I feel that a bank should be required to allow a customer to withdraw cash on demand if it is during normal business hours. I do not accept these new cashless branches that Chase is rolling out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
My card was used by someone else multiple times per day and they ran up over {$1000.00} in charges at locations I never visit. Upon noticing these charges, the card was replaced and all transactions were reported as fraud. Citi came back later and said I was responsible for these fraudulent charges.

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
Consumer complaint received 2024-04-09 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed inaccuracies and incorrect information reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Selene Holdings LLC
State: MO

Complaint narrative:
The lender advised I could apply for mortgage assistance and once the packet was completed, which has happened, the foreclosure would be suspended. 
The lender has now refused to look at my completed packet, has refused to offer assistance and after stating specifically that the foreclosure would be suspended so we can work to modify or put in place a payment plan the lender has broken they're promise and has refused to suspend the foreclosure and refused to work with me to stay in the home as I have expressed I have every intention on staying in the home and getting my loan current or modified then kep current

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I shopped in XXXX, XXXX, at XXXX where I have been a cardholder since XXXX. I have never been late with a payment - ever. Received the bill- {$44.00}. XXXX pair of shorts. The day the bill was received, a check was written and mailed the next day to Comenity Bank. Apparently the check never arrived. I received cellphone call from an irate woman at Comenity Bank, letting me know I was late with payment and this wasn't acceptable and I needed to pay right then. I double checked my checkbook for the check number and date of mailing. I let Comenity know this information, and was told " so your check got lost in the mail. That isn't going to help ME, is it? '' I then immediately wrote a second check for {$44.00} and mailed it that day. In the meantime, I have called Comenity every day to ask if they have received either check # XXXX or check # XXXX. No far, as of this writing, neither check has been cashed. Today, I received another Talbots bill ( before all of this happened, I'd purchased XXXX belts online ) and a {$30.00} late fee was added, on that {$44.00} pair of shorts. My husband, an attorney, got on the phone and spoke with someone at Comenity. She agreed to drop the late charge. Then she asked to speak to me, at which time she reprimanded me like a child and warned me I was going to be watched for XXXX  months for any other late payments, and if there were any, I could lose my Talbots card. Because of this issue, I returned the belts without even unwrapping them. Even though I returned the belts, I sent a check to pay for them. So- if the Bank is honest, I will expect to have a credit with Talbots. I intend to cut up both my Talbots and XXXX  cards. I will never use a card issued by Comenity Bank again. I am XXXX years old and I have NEVER MISSED A SINGLE PAYMENT ON ANY CREDIT CARD, EVER. A {$30.00} late fee on a {$44.00} pair of shorts???? When the payment had been sent in good faith- just as it has since XXXX. Today the woman from Comenity said " using the US Postal as an excuse is unacceptable to us. '' I am in the process of warning every woman I know about the hazards of using a credit card issued by Comenity Bank. Already I have received a reply that XXXX woman will never use those cards again ... .hoping more will do the same.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Carter-Young, Inc.
State: CA

Complaint narrative:
This debt collector violated the FDCPA by engaging in abusive, deceptive, and unjust practices. They provided this account in violation of our agreement, and I did not affix my signature to it. Two parties are required to sign a legally binding contract ; I did not take any part in the signing process. Furthermore, in noting my dispute of the account, they failed to adhere to the correct procedure, which is a clear violation of 15 USC 1692e ( 8 ) and constitutes unjust business practices. I am not alleging identity theft, but rather unjust business practices, third-party communication, and other violations caused by this debt collector 's use of abusive language in correspondence with me while attempting to collect on an alleged debt. Complaints with the Attorney General and the Better Business Bureau have been filed and dispute letters have been mailed to this debt collector ; supporting documentation will be furnished. 

I demand that this company remove my account from all XXXX credit reporting agencies due to the violations. If they fail to do so, I will be compelled to escalate the matter to my litigation attorney. I have been advised that the company 's failure to indicate my account as " consumer disputes '' on my credit report constitutes a violation for which I am entitled to take legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
In accordance with the fair credit report. This creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: CA

Complaint narrative:
I have been dealing with a fraudulent account appearing on my credit report, which is managed by Equifax. This account, wrongly attributed to me, is believed to be the result of identity theft. Despite my diligent efforts to resolve this issue directly with Equifax through formal disputes, I have yet to receive adequate or any response, leading me to seek the intervention of the Consumer Financial Protection Bureau ( CFPB ). 

My first dispute letter was sent to Equifax on XX/XX/2024, where I detailed the fraudulent nature of the account linked to XXXX ( XXXX XXXX  XXXX XXXX XXXX ). Alongside the dispute, I provided Equifax with a copy of the FTC Identity Theft Report to corroborate my claim of identity theft and formally requested the immediate removal of the fraudulent account from my credit report. I also asked Equifax for any documents related to the account, especially those bearing signatures, to further demonstrate my non-involvement in its creation. 

Following no acknowledgment or response from Equifax to my initial dispute, I dispatched a second letter on XX/XX/2024. This communication not only reiterated my demand for the fraudulent account 's removal and the supply of related documents but also sought an explanation regarding the method of verification Equifax purportedly used to investigate my claim, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Both letters were sent via certified mail, ensuring Equifax 's receipt of my disputes and requests. However, the absence of any form of communication from XXXX it acknowledgment of my dispute, provision of requested documents, or explanation of their verification processstands in direct violation of the FCRA stipulations, which mandate a reasonable reinvestigation of disputed information within 30 days. 

This ongoing lack of response from Equifax compels me to request assistance from the CFPB. My objective is clear : to ensure the fraudulent account is removed from my credit report since Equifax has not complied with the legal timeframe for response post-dispute. The failure to address and resolve this issue not only impacts my credit score unjustly but also disregards my rights as a consumer to have inaccuracies on my credit report corrected in a timely and transparent manner. 

I am seeking the CFPB 's support to enforce my rights under the FCRA, ensuring that Equifax conducts a thorough investigation into my dispute, removes the fraudulent account as required, and provides a detailed account of the investigative methods used, all of which should have been communicated to me following my initial dispute and subsequent follow-up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express on XX/XX/2024 shared my account information with my consent all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: OH

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Ohio XXXX, XXXX, XXXX, XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Against Experian 's Noncompliance with Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) Dear Sir/Madam, I am writing to file a formal complaint against Experian for their willful noncompliance with the Final Rule 1022.142 ( b ) ( 6 ) and 1002.142 ( b ) ( 2 ) regarding the blocking of adverse items in my credit report that are the result of human trafficking. I am a human trafficking survivor and have submitted all required documentation to Experian, including victim determination documents from authorized non-governmental organizations, a signed self-attestation statement, and proof of identification. Despite providing the necessary documentation on two separate occasions, Experian has refused to block the items in my credit report that are directly linked to human trafficking. Experian has insisted that I obtain a determination from another governmental agency, which is not a requirement under the law. Their refusal to accept the documentation provided has resulted in a denial of my dispute twice times, preventing me from exercising my rights as a victim of human trafficking. I urge the Consumer Financial Protection Bureau to investigate Experian 's actions and ensure their compliance with the law. I request that the CFPB intervene to compel Experian to block the adverse items in my credit report that are the result of human trafficking, in accordance with the Final Rule. I kindly request that this case not be closed until Experian has taken the necessary steps to remove the items in question from my credit report. Thank you for your attention to this matter. I look forward to your prompt action and resolution. Sincerely, XXXX XXXX XXXX ( Please respond by email only or phone call ) ) XXXX, or 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 2024-04-09 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 believe FCRA XXXX says we have to take out wrong accounts from my credit report. Can you see if the papers match? Some accounts listed have wrong info about what happened and when it happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-09 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: HYUNDAI CAPITAL AMERICA
State: LA

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX and noticed several unauthorized inquiries as follows : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX Kia Motor XX/XX/XXXX XXXX XX/XX/XXXX HYUNDAIMOT - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I never applied for credit with either of these companies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ensuring prompt payments on this account has always been my priority, ensuring they never lapse into overdue status. I'm puzzled by the presence of late payment remarks on my accounts. As outlined in 15 USC 1666b - Billing Error, corrections are warranted.

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 2024-04-09 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-04-09 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: FL

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
Aldous & Associates XXXX XXXX XXXX XXXX, UT XXXX Account states XX/XX/XXXX, in the amount of {$87.00}. The account was placed on my credit report as a collection and the account is listed as open. I called the company to ask for some documentation to prove the debt validation and was told a letter was sent to my address. Also, was emailed on XX/XX/XXXX ( today ) the amount owed, how to pay it and that they sent a letter to my home but does not disclose my full address. The email states my file is placed with there office. The agreement is not provided, also this company has never contacted me through email prior to me calling today. 
I did not receive not received a letter of validation or giving the opportunity to dispute the date, before it was placed on my report. If in fact you believe I received the letter please send over a copy of the certificate of mailing with my signature. Furthermore, the debt is over XXXX years old and the statue of limitation has expired on this debt according to CCFA. Also, Aldous & Associate are not licensed to collect debt in the state of New York.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
While checking my credit report I noticed XXXX XXXX attempting to collect on a debt that belongs to someone else. I have requested any signed contracts signed by myself requesting an account with them. A phone log, IP addresses, or anything from Aspire Credit to help identify who opened this account. I have received absolutly nothing from them which has led to me hiring a credit protection attorney. 

This unverified, fraudulent account has since been sold to XXXX XXXX adding further stress and lost opportunities due to their credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-09 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 received an alert from XXXX XXXX on XX/XX/XXXX, informing me that Transunion is now reporting inaccurate information on my credit report regarding a current open dispute with XXXX XXXX  XXXX XXXX XXXX. They have now changed the negative reporting from XX/XX/XXXX to XX/XX/XXXX which is also inaccurate. My account was paid off in full with XXXX XXXX  XXXX XXXX on XX/XX/XXXX to a {$0.00} balance. There was never no late payment on my account. Attached is the information received from credit karma and the last billing statement from XX/XX/XXXX that showed balance was paid off in full and no balance was due for XXXX and thereafter. Please investigate and review.

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 2024-04-09 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: CA

Complaint narrative:
I was informed by a few companies that my account was denied due to information listed on XXXX, Transunion XXXX XXXX. XXXX, XXXX XXXX Transunion are Credit Agencies not a credit bureaus. A credit score is not certified information and should not be used to establish credit. Per 15 U.S.C. 1681 - XXXX, XXXX XXXX Transunion is not correct in what they are doing.

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