vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently realized that my credit limit has been decreasing about 50  % without any prior notification from bank. As a result, the amount I owe has increased from XXXX  % to XXXX  % which could negatively affect my credit score in the long run. I have been a loyal customer of the bank and have never made any late payments to. However, when I called the bank supervisor named XXXX has no answer for me. He just dont know.

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 2024-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I received a notification that a hard inquiry showed up on my credit report. I contacted Barclays bank Delaware to ask them about this. I have no knowledge and did not authorize anybody to apply for anything with my Social Security number and personal information. I spoke to Barclays Bank Delaware on XX/XX/2024 at XXXX PM on a recorded line, they told me they have no information in their system related to my Name, Social Security number or phone number. They told me to contact XXXX and the other credit bureau to remove it off of my credit report. I would like this removed off of my report being that I did not authorize or apply for any type of financial product.

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 2024-03-31 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX, # XXXX XXXX XXXX XXXX  XXXX  # XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 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 non-monetary relief
Consumer complaint received 2024-03-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX, # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 
15 U.S.C 161 section 602 A. States I have the rights 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 instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Blackhawk Network Holdings Inc.
State: NJ

Complaint narrative:
XXXX XXXX had {$110.00} rebate for when you purchased 4 tires. I purchased the 4 tires from XXXX Tires on XX/XX/XXXX. I was issued the card and when I went to use it on XX/XX/XXXX I noticed there was an expiration date of XX/XX/XXXX. I called the company who is on the card. XXXX They informed me that the {$110.00} was no longer available and couldn't tell me where my money went. It's my understanding that federally these funds should be available for at least 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: CA

Complaint narrative:
The company listed below has provided false information for a debt that I do not owe. I have requested proof of the debt and it is not mine and they can not provide it to support the amount requested. The request is that this company stop reporting a collection for {$1200.00} as it is not mine. 
Contact info Name WAKEFIELD & ASSOCIATES Address XXXX XXXX XXXX XXXX, TN XXXX Phone number ( XXXX ) XXXX I have contacted them and they have failed to provide the supporting documents and have ignored my request and demand that they stop reporting information that is incorrect. 
The fair credit reporting act laws and regulations have been ignored and this company is violating my rights as this is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally complain to Experian regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Experian explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 
Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Experian regarding the investigation results and Experian has failed to provide any acknowledgment or resolution of my concerns. This lack of communication has left me deeply concerned about the accuracy and integrity of my credit report and the potential impact it may have on my financial standing. 
I did not receive a response back from Experian with the investigation results. 
I believe that Expreians failure to respond to my dispute letter violates my rights under the Fair Credit Reporting Act ( FCRA ), which mandates that consumer reporting agencies, such as Experian, must promptly investigate any disputed information and promptly respond to consumers. 
Given Experians failure to respond and provide the investigation results, I am now demanding that Experian immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 
Enclosed with this letter is a copy of the dispute letter I sent to Experian, which serves as evidence of my attempt to rectify the inaccuracies on my credit report. 
According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 
I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Experian for their failure to respond to my dispute letter and address the inaccuracies 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 2024-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I am writing to bring to your attention a serious issue regarding a collection agencys conduct in violation of consumer rights and federal regulations. The collection agency in question, I.C. System INC., has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), depriving me of the opportunity to dispute the alleged debt in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, I believe that I.C. System INC.is engaging in false and misleading misrepresentation and deceptive practices. They have proceeded to furnish information to consumer reporting agencies without furnishing me with all disclosures mandated by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

This conduct not only violates my rights as a consumer but also contravenes federal regulations designed to protect consumers from unfair and deceptive practices in debt collection. I am deeply concerned about the impact of such actions on my financial well-being and creditworthiness.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against I.C. System INC.. I also u
rge the Bureau to ensure that my rights as a consumer are upheld and that I am provided with the necessary protections afforded under federal law.

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: AZ

Complaint narrative:
Disputed a Debt Collection, requesting a signed contract with my signature on it to dispute legality, XXXX didnt provide me this information, closed the dispute. Its illegal to buy my debt without my permission and signature and Im disputing it as I did not sign for a collection company to buy my debt, I wish for a signed contract provided to verify legality from Jefferson Capital.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On the XXXX of XX/XX/2024 I had received a warning from XXXX XXXX  Bank saying that " They had frozen my account do to attempts of Purchases made '' that was when after speaking with the bank I noticed all of my information was on the DarkWeb, and was getting used for Car, Purchases and other things these were reported to all the Banks and to other entities. As these where all reparteed by me and my Identity was verified on All calls XXXX created a new Back account never did they " CLOSE ' my accounts or Credit Cards ; But Chase Bank took it upon itself after I reported the incident and to " FREEZE or place on Hold '' my accounts that there is a fraud going on that was the XXXX of XXXX I had not heard anything back from Chase about what would be the move from there part on Saturday XXXX of XX/XX/2024, I sat down with a Bank Supervisor who stated after a call to another Department she stated " All the accounts had been deactivated when I asked why wasn't I notified of this and also where is the money that was in the account she stated that she was told that a Check was sent out on the XXXX of XX/XX/2024, When I stated so you mean from XXXX the had been " CLOSED along with all my Credit cards that where up to date this has caused a greater issue because do to being Terminated my Credit score has been effected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: MA

Complaint narrative:
I followed the instructions to request a copy of my report which included submitting my SSN and a copy of my drivers license. They claim that my request in insufficient and have refused to send my report. Recently this report was used to double the cost of my car insurance despite the fact that i have XXXX credit score and zero accidents for XXXX  years. 

consumer XXXX case XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NJ

Complaint narrative:
After Review of my credit report I noticed there is an account I do not recognize XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.

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 2024-03-31 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: NJ

Complaint narrative:
After Review of my credit report I noticed there is an account I do not recognize XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 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: NJ

Complaint narrative:
After Review of my credit report I noticed there is an account I do not recognize XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.

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 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
I am writing to bring to your attention a serious issue regarding a collection agencys conduct in violation of consumer rights and federal regulations. The collection agency in question, Midland Credit Management, has failed to provide validation information as required under 12 CFR 1006.34 ( b ) ( 5 ), depriving me of the opportunity to dispute the alleged debt in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ).

Furthermore, I believe that Midland Credit Management is engaging in false and misleading misrepresentation and deceptive practices. They have proceeded to furnish information to consumer reporting agencies without furnishing me with all disclosures mandated by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ).

This conduct not only violates my rights as a consumer but also contravenes federal regulations designed to protect consumers from unfair and deceptive practices in debt collection. I am deeply concerned about the impact of such actions on my financial well-being and creditworthiness.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate enforcement action against Midland Credit Management. I also urge the Bureau to ensure that my rights as a consumer are upheld and that I am provided with the necessary protections afforded under federal law.

Thank you for your attention to this matter. I look forward to a prompt and satisfactory resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I got the car end of XX/XX/2021. I filled out paperwork for auto draft that was sent to me in the mail. I mailed the form along with check and nothing was taken out of my account until early XXXX. The car is placed under repossession XX/XX/XXXX and paid back by owner. I found out through my own research the dealership made a fraudulent deal with me saying I put down XXXX when I only put down XXXX and did a trade in. Because the dealership is not factory owned, by law they can not match my down payment just to get a sale. They had no choice but to buy the car back once westlake found out but they said the reason was a late payment. I have not made any late payments and they have not reported any late payment history on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
While recertifying my income, my payment plan was changed from XXXX to XXXX. I requested to change back to XXXX and they have not done it after a few calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I do not have a signed contract with this company. If so, i am asking for the company to provide me a copy of the signed contract with them as prove.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-31 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX thet told you they closed the account and resolved dispute. 
They did not do this. Please see attached.

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 2024-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: NJ

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their persistent refusal to conduct an investigation into inaccurate items on my credit report despite multiple dispute letters and substantial evidence provided for identity verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I diligently mailed dispute letters to TransUnion, explicitly requesting investigations into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information on my credit report. Furthermore, I disputed incorrect personal information listed on my credit report, including incorrect addresses, and incorrect names. 

In an effort to facilitate the investigation process and ensure accurate identification, I took the necessary steps to include a copy of my photo ID, social security card, and a recent bill displaying my current address with each dispute letter sent to TransUnion. Despite this, TransUnion continuously refused to conduct the investigation, impeding my efforts to rectify the inaccuracies on my credit report. 

I received a response back from TransUnion dated XX/XX/XXXX, and XX/XX/XXXX, stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

This ongoing refusal to address my concerns and conduct a proper investigation is not only frustrating but also violates my rights as a consumer under the Fair Credit Reporting Act. The inaccuracies on my credit report have the potential to significantly impact my financial well-being and must be addressed promptly and accurately. 

I demand that the Consumer Financial Protection Bureau intervene in this matter. I am now demanding that Transunion immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I am including a copy of my dispute letter sent to TransUnion, along with TransUnions response as proof. I am now demanding TransUnion immediately and permanently remove the disputed items from 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 2024-03-31 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I sent a debt validation letter ( attached ) to the debt collector in XX/XX/2024 and XX/XX/2024. I received no response either time. This company has not proven this debt belongs to me and the burden of proof of this debt belongs to them.

Company response to consumer: Closed with explanation