vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-30 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: NJ

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report. Please delete this items as soon as possible since they are affecting my ability to obtain credit. According to the FCRA section 605B It is illegal to report information on my credit report without my permission. Thank you please remove this from my credit report now

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 2024-06-30 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:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's 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 explanation
Consumer complaint received 2024-06-30 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: NC

Complaint narrative:
I am exercising my right to have this disputed and investigated because these accounts are incorrectly reported on my credit file. According to the Fair Credit Reporting Act, I am entitled to {$1000.00} for each erroneous report on my credit file. I understand that FCRA 605B mandates reporting any inaccurate accounts on a consumer 's report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-06-30 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: AZ

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 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 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: AR

Complaint narrative:
I have filed several disputes and each one was denied in 2022 I was XXXX XXXX sent chime my information of me being XXXX XXXX  at the time of the dispute and still couldn't get my money back. I have been with chime for years and lost money and took as a lost because they say the investigation showed no error occured

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/year> Spoke with XXXX from Chase Disputes. 

XXXX gave me erroneous information that the last day to file the dispute was XX/XX/XXXX which is false. When I called in on XX/XX/year> and spoke with a representative then, I that the last day to submit information was XX/XX/XXXX and I filed the information with chase on XX/XX/XXXX. 

Please investigate this phone call and XXXX and please inform me what the last day to submit information was for this case. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

This company never Sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I received a call from XXXX from Chase Disputes. XXXX informed me that she is a XXXX and the highest form of escalation at Chase. She was incredibly rude to me and my wife and she hung up on me. XXXX refused to answer questions about why my dispute was denied and she refused to answer questions about the process. In the end, she hung up the phone, even though I had to wait XXXX hours for her to give me a call back from Chase. XXXX should be ahsamed of herself for the poor customer service that she has deilvered and for failing to do her job. By hanging up on me, she effectively made it so that I needed to request a callback from a different XXXX and wait an additional XXXX hours for a call back. 

In addition to hanging up on me, XXXX provided me with erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I requested proof of all documents including all applications, identifications or any information that may have been used in aid of me rectifying these fraudulent accounts. Legal court documents were also sent to the address on file from a tenant at that address regarding the dissolution of debt which is what brought the awareness to my credit report in which the company has received and should have been resolved. This is also public information. There is no way in which I can provide card numbers or security codes for cards I've never obtained nor attempted to obtain. There are two accounts that have an approximate value of $ XXXX that are fraudulent and the company had and still has no permissable purpose to add fraudulent information to my credit report. I have nothing to show, prove nor represent in regards to this matter, ONLY COURT DOCUMENTS FROM THE XXXX XXXX COURT which have been previously sent in to the credit bureaus and the creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX, I attempted to log into Equifax.com. The website provided a message there was on a problem on their side and I should try again later. On XX/XX/XXXX at XXXX, I retried. The website did not recognize a proper username and password, then locked my access after 3 tries. I called the support number, XXXX. The agent requested account information : name, SSN, telephone number, address, etc.. I provided everything she required. She was unable to resolve the issue and indicated she would escalate the problem and that the escalation team would reach out shortly. 3 hours later, I recalled the support line have not heard from anyone. I reached a new agent who asked for the same same account information as the previous agent. Again, I provided this data. She too was unable to resolve my problem. She then transferred my call to the Office of Consumer Affairs. A gentleman named XXXX took the call. He indicated I would have to send copies of my SSN and drivers license for them to assist and it would take 7-10 days. I questioned the need for sharing these personal documents. He indicated they would not assist otherwise. When I asked to speak with a supervisor. He refused and indicated I could recall the support line but would end up with him again. There are no telephone numbers online which are active for Equfax Corporate offices for me to call. NJ XXXX XXXX XXXX 's office suggested I reach out to the CFPB for assistance. Please help as we are senior citizens and are fearful of sending our SSN and driver license cards to anyone. We always hear these should never be shared with anyone. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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:
It has come to my attention that XXXXXXXX XXXX XXXX XXXXXXXX has my information my consumer report that is allowing my information to be used against my will and or knowledge. According to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, I was never giving the opportunity to opt out of my information being viewed publicly and or against my Consent. 15 U.S. Code 1692c - Communication in connection with debt collection. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

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 2024-06-30 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: LA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: CO

Complaint narrative:
On XX/XX/XXXX my loan was paid off for my XXXX XXXX XXXX XXXX. It took until XX/XX/XXXX for XXXX to process my payoff and send my title. 

Supposedly they sent my title via snail mail and would not allow me to request a lien release until recently. I requested the lien release as of XX/XX/XXXX and was told to expect it via fax within XXXX hours as an escalated attempt to assist my situation and still have not received the lien release either. 

I am losing value on my vehicle and am having to pay insurance on the vehicle despite my intention to sell it after the vehicle was paid off. 

To continue to have the title be missing with no assistance from XXXX is unacceptable.

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 2024-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/year> my credit card balance jumped from XXXX to XXXX overnight, without me making any purchases. I called the day after I received my statement. They were very rude and stated this was a fee due to my balance. 
I was never informed of this fee or penalty. I had never missed a payment and had been steadily paying my balance down to a manageable number. With my steady payments would have been paid off by now. With this extra {$2200.00} increase they essential stole all the money I had paid as if I never paid a cent. When I called for assistance XX/XX/year>, they said I had not paid anything. I told them to shut my account down so they did that raised my interest even higher and reported me to the Credit Bureaus as a risk. 

From this date forward, after never missing a payment they continued to raise my interest rates, so whatever payment I made made little or no difference to my balance. 
I can not keep up, I pay XXXX they come back demanding a XXXX dollar payment and my balance never does down. 

They have ruined my credit and continue to harass me for more money without consideration. I have called several times to find alternatives so we could work this out but they refuse to help.

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 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I received a document from Chase Disputes. On XX/XX/year>, I called Chase Disputes and I spoke with a representative who informed me that I had until XX/XX/year> to submit all documentation for my Chase Dispute. 

I have called many times since then and the date of XX/XX/XXXX has never been mentioned ever again. The date was mentioned to be XX/XX/XXXX and then later XX/XX/XXXX as the final day to submit decimation for my financial dispute. 

I am not happy with the inconsistencies that Chase Bank has provided me with on the phone in terms of the information that I need.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I've contacted on XX/XX/year> EQUIFAX about my personal information such as incorrect name, address, And employer information. EQUIFAX has given me a hard time, ignored my request and also has violated my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I called in to Chase Disputes and Spoke with XXXX. XXXX said to me that the reason that the dispute was closed was because there wasnt a description of the services, which is false, its right at the beginning. XXXX also provided me other erroenous infromation as to why my dispute was declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax and XXXX credit reporting agencies, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of medical bill from XXXX XXXX opened on XX/XX/XXXX along with 5 hard inquiries, 4 from XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX along with one from XXXX on XX/XX/XXXX. FDCPA laws. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXXXXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citibank has repeatedly lowered my credit limit despite no changes to my credit score or credit usage - I pay more off, they lower my limit. I pay more than the minimum- they lower my limit. My income has increased- they lower my limit. I filed a complaint earlier in the year with this agency, it was passed along to Citibank, they reviewed it and immediately denied the request to restore my credit limit. They are actively harming my credit score by repeatedly lowering my limit to make it appear I am using more credit - its been cut in half over the several years Ive had the card, despite no late payments. They also lower it shortly before the statement closing date so I hit the limit when they tack on interest. 
I believe they are targeting me because I have an Armenian last name, an XXXX group Citibank has been accused of discriminating against. 
https : 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