vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-03 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: CA

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 XXXX 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 non-monetary relief
Consumer complaint received 2024-09-03 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: 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 XXXX 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 non-monetary relief
Consumer complaint received 2024-09-03 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: 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 XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IA

Complaint narrative:
As I was recently denied multiple accounts at several financial institutions, I contacted Chex Systems by phone to request detailed information about all security freeze activity on my ChexSystems consumer report, as per my rights under the Fair Credit Reporting Act ( FCRA ). 
Pursuant to Section 609 of the FCRA, I am entitled to receive all information in my file at the time of my request. This includes, but is not limited to, the specific dates of any security freeze placements, temporary lifts, or permanent removals associated with my account. I specifically requested a comprehensive report detailing : The date each security freeze was placed on my account The dates of any temporary lifts of the security freeze The dates of any permanent removals of the security freeze Any other relevant dates or actions related to security freeze activity on my account I require this specific information in written form with dates regarding freeze activity to submit to the CFPB in support of a discrimination complaint as the financial institutions claim they are unable to verify my information due to a credit freeze, I intend to prove there has not been any freeze for the last several months however I require the supporting documentation from Chex Systems which they refuse to provide. Chex Systems provided a letter indicating the " current status '' of a credit freeze on my account there is no historical information provided.

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 2024-09-03 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: CA

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 XXXX 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 2024-09-03 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: TX

Complaint narrative:
I need your assistance with this incorrect account showing up on my credit report. This issue has severely impacted my reputation, and Im asking for your help. Your mishandling of my credit report has brought me to a difficult situation, and the incorrect information has caused significant harm to my reputation. It's essential that you remove these mistakes so I can peacefully live with my family.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hello, I am reaching out because someone tried to open a few different credit card accounts in my name. I was alerted about the fraud by XXXX ( my actual bank ), via their credit monitoring service, that multiple hard inquiries were done on my credit. Hard inquires were done by XXXX, XXXX XXXX, and XXXX on my XXXX report. XXXX also pulled my Equifax report. The aforementioned applications are fraudulent. I reached out to the credit bureau 's and froze my credit ( the hackers/fraudsters who are impersonating me tried to open an account with XXXX while my credit was frozen but it appears that inquiry was blocked accordingly ). I also reached out to each of the institutions listed above to alert them about the fraud. According to the companies, those applications were marked as fraudulent and are in the process of getting pulled from their systems or an investigation was started by each company. That being said, in order to dispute the hard inquiries on my credit reports I needed to file a complaint with the FTC. When I tried I got transferred over to this website and that basically bring things up to the present moment. With this, I filed a police report with the XXXX Police Department earlier today to make sure all of my bases were covered. I can provide the report number or a copy of the police report upon request. I hope this can help resolve things somewhat cleanly since this is the second time someone tried to open accounts in my name in the past year. I was told fraud alerts were sufficient deterrents against this problem and though they were a good first line of defense, freezing my credit seems to be the only thing that will deter these fraudsters. I make a modest living and I worked for years to get my credit into a good place. Having that tanked by bad actors would quite literally ruin my life. I will be keeping my credit frozen for the foreseeable future and I recommend everyone does the same whether or not they have experienced a situation like mine yet. Thank you in advance for helping to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Coast to Coast Financial Solutions, Inc.
State: FL

Complaint narrative:
we have sign up for waste connection waste removal with company they have never showed up on the day they scheduled to pick up we had to call days and many times this service to be completed even then still never done on timely manners one time they didn't pick up the dumpster on the day even 3 more days so we ended up receiving violation ticket for {$250.00} we have contacted with company but never resolved this matter at the end I aske them to stop service and remove the dumpster from my property even this act tokk 3 weeks and seems like they charged as well at the time I received my invoice was {$600.00} and I offered to pay half after deducting the paid city violation ticket but they were not willing to do that even it was their fault not sure how did they ended up {$1600.00} I have no such a bill and I only been with them 2 months contract was {$140.00} i do not agree this charges and accept any communications with this people they are horrible company

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 2024-09-03 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:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an 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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My payment history is typically consistent, and these late payments are incorrect ; I need you to correct this right away.

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 2024-09-03 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: FL

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX U.S.C XXXX SECTION XXXX A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX SECTION XXXX SECTION XXXX. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This was a credit card attached to a " credit building '' account but was separate. I paid into the " credit Building '' account and paid the credit card on time. Eventually the " credit builder '' was paid to the full amount, and I requested the money. They informed me that because I had a {$400.00} balance on the credit card it was their policy to withhold money they owed me until the credit card ( which had a XXXX dollar limit ) was paid in full. At the time I had an urgent need for my money, but they would not release it. I told them that our relationship was severed, that they could pay the credit card from funds in my " credit builder '' and return the balance to me, which they did in 60 days. Since then they have consistently reported a late payment on the credit card, and it has negatively effect my credit report, even though both account appear as " paid in full, XXXX balance ''. How can they do this? It has created a hardship and adversely affected me when I need to use my credit history to secure other types of loan, including my ability to get a car loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: NY

Complaint narrative:
I have purchased a vehicle they inspected the vehicle. No Im good and well that it wasnt gon na pass inspection. Oh, I went to go see what was the issue of the call because I let them know that the XXXX XXXX was XXXX and something was wrong with the XXXX They told me that there was nothing wrong with the engine. The engine is fine, and a couple weeks down the line The car stopped and it wouldnt start anymore so I sent it back to the bank Home like XXXX or XXXX months that line is XXXX paperback talk about this is what they sold. The car for this is how much I owe back, but I tried to take them to court about this vehicle because they let the dealership sell me a XXXX, and I didnt even have the car for a whole year when all these problems paper stating that they tried to take me to court I just got a letter in the mail from my job took my I have a garnishment from them and everything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I contacted JPMC customer service with questions about the upcoming launch of the XXXX XXXX  XXXX. I was specifically assured that as an authorized user of the Chase Sapphire Reserve XXXX XXXX  that I would be able to add the CSR to my XXXX XXXX XXXX. However, when the XXXX XXXX XXXX launched in the past few days I have been unable to add my CSR credit card and now JPMC customer service is walking back their prior comments. This is 1000 % unacceptable ( see supporting documentation )!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
Subject : Formal Complaint Regarding Reversed {$750.00} Statement Credit Account Holder : XXXX XXXX - XXXX XXXX XXXX XXXX ( Founder ) Card Type : AMEX Business Cash Credit Card Account Last 4 digits : XXXX Date : XX/XX/XXXXXXXX  Dear American Express Customer Service and CFPB, I am writing to formally file a complaint regarding the reversal of a {$750.00} statement credit that was previously deposited into my AMEX Business Cash credit card account. I am extremely disappointed with how this situation has been handled, especially considering the contradictory information provided by your representatives. 

Background : Statement Credit Issued : On XXXX, I received a {$750.00} statement credit as part of a promotion linked to my spending requirements. 

Confirmation of Requirement Met : Before the expiration date of the promotional period, I contacted American Express Customer Service on XX/XX/XXXX to verify the remaining amount I needed to spend to meet the promotional requirements. I was informed by the representative that I had already met the required spending threshold and that the statement credit had been appropriately posted to my account. 

Documentation : I have screenshots of the conversation with your representative confirming that the requirement was met and that the statement credit was valid and posted. 

Reversal of Credit : To my surprise, by the end of the deadline on XX/XX/XXXX of XXXX, the {$750.00} credit was reversed. The reason provided was that one of my purchases had also been reversed, and therefore, I did not meet the required spending threshold. This reversal came without any prior notice or warning, despite my proactive steps to confirm that I had met the necessary requirements. 

My Concerns : Contradictory Information : I was explicitly told by an American Express representative that I had met the spending requirements. This misinformation led me to believe that the {$750.00} credit was secure. 

Lack of Transparency : The reversal of the credit was done without any prior notice or further explanation, which has caused unnecessary confusion and financial inconvenience. 

Documentation : I have kept records of all communications, including the screenshots of the confirmation from your representative. I feel that I have been misled, and this has caused a significant inconvenience to my business operations. 

I have been a loyal American Express customer, and I trust that you will handle this matter promptly and fairly. I look forward to a resolution at your earliest convenience. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-03 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: TX

Complaint narrative:
I noticed some unauthorized hard inquiries on my credit report that arent mine. I'm a victim of identity theft, and Id like to have them removed.

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists XXXX  civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities.

Company response to consumer: Closed with explanation