vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-01 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: CITIBANK, N.A.
State: AR

Complaint narrative:
I XXXX XXXX reserve all rights from ucc 1-308 without prejudice and reserve my right not to be compelled to perform under any contract not entered into knowingly, volunatarily, or intentionally. I do not accept the liability of any compelled benefit of any undisclosed commercial agreement or contract not entered into knowingly or intentionally. Macy's/Citibank ented the terms of an alleged credit card agreement by presuming me the living man to be XXXX XXXX and not XXXX XXXX. 15 USC 1692 ( a ) deceptive practices due to XXXX XXXX not being an individual person, consumer, or fictional corporate entity. Macy's/Citibank does not have the legal authority or capcity to contract with the living man XXXX XXXX neither Macy's/Citibank credit card agreement is not legally enforceable due to lacking signtures, consideration, and capacity. Macy 's /Citibank mislead XXXX XXXX believing he received credit but instead XXXX XXXX provided and extended his own credit to Macy's/Citibank by endosing the electronic agreement which credit is a RIGHT to defer.

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 2024-09-01 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: TN

Complaint narrative:
I did not authorize XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXXXXXX 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 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 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 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I had a loan with Netcredit and it was paid off in XX/XX/XXXX. In XX/XX/XXXX, I realized that my credit report still reported my Netcredit balance as past due and it said the balance was twice the original amount because of interest and past due fees. Netcredit sent an official receipt in XX/XX/XXXX saying that my account was ( in fact ) paid in full in XX/XX/XXXX. It is now XX/XX/XXXX and my credit report still has Netcredit listed as past due. Netcredit has been repeatedly noticed of this error and refused to do anything, demonstrating gross negligence. My credit score has been artificially low for 18 months now because of Netcredit 's failure to report my account accurately, even by their own admission. My poor credit score has hindered my ability to get a low interest rate consolidated loan and limited my rental options when I sought new housing in XX/XX/XXXX. I am seeking financial compensation from Netcredit for the adverse outcomes I have suffered because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: NJ

Complaint narrative:
Contacted stating account was not mine no knowledge of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Atlanticus Services Corporation
State: KY

Complaint narrative:
My ex wife got a card in my name with my information according to the card company they say its mine because we have the same address we havent had the same address in a year and a half they have a police report and refuse to remove the card the card company has since changed the phone number and address to mine from the one originally used to get the card

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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:
I am rejecting this response because : The Credit Bureau recent response to my complaint regarding inaccuracies on my credit report. Despite my numerous attempts to dispute these erroneous accounts and rectify the situation, TransUnion has failed to adequately address and resolve the issues at hand. Over the past several months, I have repeatedly contacted The Credit Bureau, providing detailed information and supporting documentation to demonstrate the inaccuracies present in my credit report. Unfortunately, each attempt has been met with insufficient action and a lack of proper investigation into the matters I raised. This ongoing negligence has caused significant harm to my creditworthiness and has had adverse effects on my financial well-being. I am now seeking the intervention and assistance of the CFPB to help resolve these persistent issues. The Credit Bureau failure to correct these inaccuracies and conduct a thorough investigation is a clear violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have breached my consumer rights to a fair and accurate credit report by not fulfilling their obligation to investigate disputes properly and correct any errors. The FCRA mandates that credit reporting agencies must investigate disputed information and make corrections if inaccuracies are found. The Credit Bureau continuous disregard for this responsibility has not only violated my rights but has also perpetuated the damages being done to me as a consumer. I trust that the CFPB will take appropriate action to ensure that The Credit Bureau adheres to the FCRAs requirements and conducts a comprehensive review of my disputes. I am seeking a resolution that includes the correction of all inaccuracies on my credit report and a guarantee that my consumer rights will be respected moving forward

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 2024-09-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I only have credit cards with Chase. I use XXXX a lot and Im used to paying with my chase credit cards. Now chase is banning the use of my credit card with some companies forcing me to use their XXXX  service. If I pay my credit card bill on time I should be able to use my credit card wherever I want. Its an arbitration on behalf of chase to force me to use their services. Im closing all my credit cards with Chase because if this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Credit bureau Associates has violated FDCPA as outlined in XXXX XXXX XXXX XXXX XXXX, 836 F.3d 507 ( 5th Cir.2016 ), which states that a consumer report is a medium of communication and thus subject to cease and desist requirements. CBA has also violated HIPPA law in the obtaining and sharing of my personal medical information. This constitutes in immediate removal of this alleged debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo did not help with my mortgage loan modification and they foreclosed on my beautiful home XXXX of XXXX. I have suffered with the loss of my beautiful family home with the wonderful memories of raising my children there. I feel I should have been notified of the class action loan modification by Wells Fargo however I have not received any information. I had a Wells Fargo home loan from XXXX until they foreclosed in XXXX. There were times I called them and I was told they could not find who held my loan. I was lied to, they set up crazy accounts, and given me the run around. I feel like I may have fell through the cracks. I do not trust Wells Fargo in regards too what really happened with my mortgage loan. I am a hard working XXXX XXXX my credit has suffered for years. I had to pay extra for my car insurance due to bad credit a security deposit for my gas and electric. I had to pay extra security deposit to rent so I had some place to live. This has had an effect on my well being and my children 's well being. Please see what can be done for me. Thank you.

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 2024-09-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
The car has been paid off for a few years and it's still on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: MS

Complaint narrative:
These are all new credit inquiries that I did not authorize and have no knowledge of. 

XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXXXXXXXXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX  Inquiry Date XXXX XXXX XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX  Inquiry Date XXXX CAPITAL XXXX AUTO FIN Inquiry Date XXXX XXXX  XXXX  Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX Inquiry Date 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 2024-09-01 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: MI

Complaint narrative:
these accounts listed has violated the fcra by not following the right to privacy and also for not upholding the opt out of reporting to third party agency 's. also these creditors did not uphold the gramm leach bliley act. 

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 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 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 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 non-monetary relief
Consumer complaint received 2024-09-01 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: MI

Complaint narrative:
these accounts listed has violated the fcra by not following the right to privacy and also for not upholding the opt out of reporting to third party agency 's. also these creditors did not uphold the gramm leach bliley act. 

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 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 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 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 2024-09-01 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: TX

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 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 XXXX XXXX XXXX XXXX, has violated my rights. 

I looked at my TransUnion credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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
Consumer complaint received 2024-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: Tesla, Inc.
State: TX

Complaint narrative:
Subject : Urgent Complaint Against XXXX XXXX XXXX for Unfair and Potentially Illegal Payment Practices in Supercharging Network To Whom It May Concern : I am filing a formal complaint against XXXX XXXX XXXX regarding their restrictive and potentially unlawful payment practices for accessing their XXXX  network. These practices significantly harm consumers and appear to violate both the Federal Trade Commission Act ( FTC Act ) and the Electronic Fund Transfer Act ( XXXX ). 

Background and Issue : XXXX restricts payment methods for its XXXX network to only debit or credit cards, without offering alternatives like bank account linkage. This limitation poses significant risks when a consumers card is lost, stolen, or compromised, leaving no other means to maintain service continuity. Furthermore, XXXX immediately blocks access to XXXX if a payment fails, displaying a warning on the vehicles screen until payment is resolved. This punitive measure can leave consumers stranded, potentially in unsafe situations. 

Legal Violations : XXXX. Violation of the Federal Trade Commission Act ( 15 U.S.C. 45 ) : XXXX restrictive payment policies constitute an unfair business practice under the FTC Act. Limiting payment methods and cutting off access to essential services without offering alternatives causes substantial consumer harm that is neither justified by benefits to consumers nor outweighed by competition. Consumers face undue risk and inconvenience, which they can not reasonably avoid. 
XXXX. Violation of the Electronic Fund Transfer Act ( EFTA ) ( 15 U.S.C. 1693 et seq. ) : The EFTA ensures that consumers have the right to control their funds and make electronic transfers securely and reliably. By refusing to allow bank account linkage, XXXX hinders consumers ' ability to manage their funds effectively, especially when debit or credit cards are compromised. This limitation restricts consumers ' access to electronic payments, which is contrary to the principles of the EFTA, and unnecessarily complicates their ability to maintain continuous service. 
XXXX. Consumer Safety and Unconscionability : XXXX practice of immediately suspending XXXX services upon a payment failure, without offering a grace period or alternative resolution method, can be considered unconscionable. This practice unfairly disadvantages consumers by potentially leaving them without access to an essential service, which could lead to dangerous situations, particularly while traveling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX Born XX/XX/year> in XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX I live for the past XXXX XXXX recently move to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Experian, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX been putting Collections on my name I reported them serval time thats the wrong birth date but they keep ignoring my letter no response to non of them has responded they put a wrong address as well that I do not live not recognized. That cause me to get places and finances stable due to they errors that caused me a lot. I have my passport to prove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Collection agency name : XXXXXXXX XXXX Address : XXXX XXXX XXXX, XXXX SC XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.

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 2024-09-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: KY

Complaint narrative:
I tried getting a new cash app card and theyre not letting me get one and I dont know how to they took away the virtual card and wont let you use that. I dont know what to do.

Company response to consumer: Closed with explanation