vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
XXXX. I opened XXXX credit card on XXXX. 

XXXX supposed receive XXXX XXXX mileage after {$2000.00} spending. I met minimum spending requirements on before XXXX statement closing date. 

XX/XX/XXXX statements closed. but have not received. I contacted XXXX and they said it will be deposit at next billing cycle statement. 
They confirmed that I met minimum spending requirement already XXXX. After closing XXXX statement ( XX/XX/XXXX ), still have not received. Contacted them again. 
They said it will be deposit at next month. also they opened investigation case. Case number is XXXX XXXX. XXXX statement closed. I still have not received sign up bonus. 

XXXX. I am so tired dealing with them anymore

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 2024-12-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
Customer 's financed XXXX XXXX ( Manufacturer & Lienholder ) vehicle was rendered INOPERABLE from XX/XX/XXXX to XX/XX/XXXX due to Manufacturer/Lienholder 's INABILITY TO PRODUCE a critical part necessary for driving.

Part was INDEFINTELY backordered, rendering the vehicle unusable for a sum of five months. Despite Customer inquiring via phone/email ~50+ times for various remedies, deferred payments were presented as the ONLY solution, effectively shifting the financial burden to the Customer for a situation entirely caused by Mercedes-Benz 's. Customer continued to escalate support cases relative to reimbursement of interest accrued on the loan and monthly payments for the period when the vehicle was unusable, due to no fault other than the Manufacturer/Leinholder . 

Subsequent to suffering a total loss in XX/XX/XXXX, Manufacturer/Lienholder ( Mercedes-Benz ) is demanding repayment of these deferred payments, threatening to transfer my loan to an external collection agency unless a payment plan is setup in the amount of {$12000.00}. This demand is unreasonable and unjust, as it disregards the basic expectation of vehicle usability under the financing agreement and warranty. These actions not only harm the Customer financially but also damage their credit standing, compounding the harm caused by Mercedes-Benz 's failure to resolve the situation ethically and promptly Customer escalated a final 'loss of use ' compensation case with the 'Executive Referral Manager ' Team at Mercedes-Benz, to no avail . Manufacturer/Lienholder denied any responsibility and compensation, explaining " Subsequent to suffering a total loss, Customer is no longer owner of vehicle '', in addition to " Customer should've asked for compensation sooner '' -- both reasons being grossly unethical and untrue, supported by my documentation.

Note : A myriad of Mercedes-Benz Customer Service Representatives are on record admitting that the Customer should not suffer a financial consequence due to the Manufacturer 's inability to produce a part necessary for driving.

Note : Customer was not supplied a loaner during this five month period and auto insurance rental coverage expired after 30 days, forcing Customer to find transportation out-of-pocket XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IL

Complaint narrative:
I am writing to formally dispute certain items on my credit report that I believe have been added without my effective consent and may be a result of inaccuracies, fraud, or identity theft. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that is incomplete, inaccurate, or unauthorized. Specifically, Sections 605A, 605B, and 611 of the FCRA provide protections for consumers regarding the reporting of fraudulent accounts and identity theft.

The following items on my credit report are in question : Are enclosed These accounts were added to my report without my consent and appear to be fraudulent or inaccurate. I suspect they may be the result of identity theft. I request that these items be thoroughly investigated and removed from my credit report immediately if they are determined to be unauthorized or inaccurate.

In accordance with FCRA Section 611, I am requesting that you : Conduct an investigation of these disputed items. 

Notify me of the outcome of the investigation within 30 days, as required by law. 

Provide me with an updated copy of my credit report reflecting any changes made as a result of the investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX WITHOUT EFFECTIVE CONSENT/ NEVER FILED

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: GA

Complaint narrative:
Company charged of debt and is still reporting on credit bureau. I requested a cease and desist due to illegal reporting activities according to 15 U.S.C 1681Section 602 A which states I have the right to privacy and 15 U.S.C 1681 Section 604 A Section 2 says Consumer reporting agencies can not furnish an account without my written permission.

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 2024-12-22 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: VA

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Reason : I don't recognize this account Dispute Under Section 611 of the Fair Credit Reporting Act 15 U.S.C 1681i Different opening dates on each account ( s )

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 2024-12-22 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: VA

Complaint narrative:
Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Dispute Under Section 611 of the Fair Credit Reporting Act 15 U.S.C 1681i Different opening dates on each account ( s )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-22 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: VA

Complaint narrative:
Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Dispute Under Section 611 of the Fair Credit Reporting Act 15 U.S.C 1681i Different opening dates on each account ( s )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Due to identity theft in the past, Ive had to do a credit freeze. I once again received information that my personal information was on the black web. I created a TransUnion account since I have created my account. Ive been requesting a copy of my credit report on multiple occasions, and it keeps continuing to have an error on the system. This has been reported to them on several occasions, and I have given them amicable terms to resolve it they still have not complied therefore I can not see your access. What is being placed on my Trans Union report meanwhile, I am getting alerts via email stating that there were either inquiries or wrong information 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 2024-12-21 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: NC

Complaint narrative:
District Court for XXXX XXXX XXXX Georgia XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ; Case XXXX I am filing CFPB complaint against Experian for fraudulent accounts that have appeared on my credit report. I have been stressing to Experian that these accounts are a result of Identity Theft stemming from XXXX XXXX XXXX. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. The erroneous, fraudulent accounts are : Fraudulent Account/ Transaction/ XXXX XXXX  Account # XXXX Balance : {$4200.00} Fraudulent Account/ TransactionXXXX XXXX XXXX  Account # XXXX Balance : {$320.00} The listed accounts are not mine, never been authorized by me, and are frivolous, I am being harassed, and I demand the fraudulent items listed to be removed, or I will hire an attorney and proceed with legal ramifications. Experian continues to badger, bully me. I need verifiable proof of these credit transactions were not initiated by me, as well as proof of identity to confirm who applied for these frivolous debts. I know my consumer rights under Federal laws. I have attached a copy of proof from FTC Identity Theft Complaint. Under the Fair Credit Reporting Act ( FCRA ), s15 U.S.C. 1681c-2 ( a ), I am requesting that you immediately : Block and remove all fraudulent information from my credit file ; notify any third parties to whom this fraudulent information may have been reported ; and provide confirmation in writing that the requested changes have been made to my credit report. I certify under penalty of perjury that the information provided in this notice and its attachments is accurate I will seek legal actions, for violating my consumer rights.

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 2024-12-22 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year>. CAPITAL ONE wrote off {$2500.00} on their taxes as a profit loss. CAPITAL ONE was supposed to provide me with the 1099-C form so I can write it off as income, which they never did send me the form. At the same time, CAPITAL ONE is reporting the amount of {$2500.00} on my credit report as a balance, even though they took a tax break. Which considered this DEBT FULLY PAID. So, im requesting a copy of the 1099-C that I never received from CAPITALONE. Everything is about accuracy. So, if CAPITAL ONE fails to send me a copy of the 1099-C form while still reporting the account as a CHARGE OFF on my credit report. That, to me, is IN ACCURACY. Under FCRA, by law, I'm entitled to sue CAPITAL ONE for SANCTUARY DAMAGES. This is FRAUD that CAPITAL ONE is doing. In the same way, CAPITAL ONE EXERCISE THEIR RIGHT and the ability to report that account to my credit report. i have the right to report CAPITAL ONE to the IRS for fraudulent activity. I LIKE THIS ACCOUNT TO BE REMOVE OFF MY CREDIT REPORT IMMEDIATELY, PLEASE Please is a screenshot providing proof to my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: FL

Complaint narrative:
There Is A Closed Account Showing Late Payments Due the XXXX XXXX ( not ) as " current '' There Violated My Rights To Privacy. It's illegal to be sued for failure to pay debt because your contract with the original creditor was a contract of adhesion. 
Contracts of adhesion are considered unconscionable. 
And they are not enforceable. 
UCC 2-302

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 2024-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IL

Complaint narrative:
On XX/XX/year> my debit card was charged for the amount {$97.00} from a merchant i did not recognize or gave authorization. My bank sent me a text asking if i made that transaction i replied no. They said no funds would be taken from my account. The funds were still tooken. i reached out to bank & filed a dispute & it was denied twice even after i provided evidence of that i did not authorize the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: John C. Heath, Attorney at Law, PLLC
State: LA

Complaint narrative:
Lexington Law Firm They took the amount of XXXX over time and did nothing with my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Bonneville Billing and Collections
State: PA

Complaint narrative:
XXXX XXXXt has not only done this to just me but to others as well. I open my account and change my direct deposit through my job as I was waiting I didnt even have my card in the mail yet when I received an email saying that there was suspicious activity. They blocked my account until I provided an ID through email. I called first to make sure that this was real and the man on the phone made me send my ID to him and he unblocked my account, although he did not have an explanation as to how there was suspicious activity when there wasnt any transactions or any card even given to me yet. 
My wife sent me money over after I got my card so that I could get lunch one day. As soon as I use the card that day, they closed my account and said that due to suspicious activity, my account was permanently closed could not be reopened with XXXXXXXX XXXX  left inside. I called and had a fit and said that they were just discriminating against me because there was nothing that I did wrong and I told him that they could keep the XXXXXXXX XXXX. That evening I got an email saying that they were very sorry for the inconvenience and the mistake and they opened my account back up. You know the one that they said could not be opened back up again. My wife then sent me money to pay bills which was {$250.00}. As soon as I used XXXX XXXX to pay XXXX of the bills and close my account permanently again however, this time they will not open it back up and there is still {$100.00} left in there. Check in the mail I sent them verification. Needed to get the check in the mail however Im not receiving an answer. 
My first issue with this is the opening and closing of my account is just tampering with my funds. My second issue is the absolute discrimination towards me since I verified myself the first time and there is nothing I did wrong with my account for them to say anything was suspicious at all. They dont do these kinds of things to my wifes account. They just pick and choose who they want to scam. My last issue is my wife personally called and said that she wanted her money returned back to her instead of a check and they said that that wasnt possible. They just took our money when we are already struggling. 

Im not sure why after all of these complaints, Nobody has done anything about this company to protect us. I will do whatever it takes to shut this company down for what they did to us. The way they spoke to us and they are keeping every dollar that we have right now. 
This wasnt fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-21 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-22 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: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX - XX/XX/year> - The following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX - XX/XX/year> - XXXX following inquiry was not authorized and should not be reporting. 
XXXX XXXX XXXX XXXX XX/XX/year> - The following inquiry was not authorized and should not be reporting. 


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

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief