vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs. 
Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was late on my credit card payment, which has since been resolved.
They have called my phone XXXX  a day almost everyday, which comes out to twice the allowed calls allowed. 
Chase XXXX XXXX XXXX XXXX
These are not all the calls, but some that I have readily available on my call log.

More than seven times within seven consecutive calendar days 
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

Please help me find a solution to this issue. Chase has been made aware of the frequency of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: UNIVERSAL ACCEPTANCE CORPORATION (NE)
State: IA

Complaint narrative:
I was a victim of identity fraud and had my bank account overdraft and the bank didn't fix it. Also car hop sold me a junk car with many problems and made me pay for the engine problems. I told them I couldn't pay the repair cost and added if to my 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 2024-12-19 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: GA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: Kikoff Inc.
State: FL

Complaint narrative:
Kik Off is reporting on my credit report yet I never used their services. I can pull my debit card info and I dont have no charges from Kik Off. They claimed that they verified my information before opening the account. I was robbed and shot at and my purse was stolen. Now the guy who stole my purse and shot at me just got out in XXXX  and its a bunch of applications and accounts that have been attempting to open up for me. I have a credit freeze in place and I need Kik Off to remove this fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX  refused to remove hard enquiry on my credit bureas. Attached are their emails screenshots requesting I should complete my application because the had a hard enquiry on my credit not soft pull and from this email screenshots it indicated I did not finish the pre-qualification because they requested for my vehicle documents via email when I had selected I have auto loan. 

From date of the email asking i should pick where I stopped showed i need completed their loan application and should not have hard enquiry on my credit report. 

They lied to cfpb in their letter. I never finished their application when the sent an email requesting for my car documents when i had selected option i have auto loan and it was hard pull not soft pull.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  refused to remove hard enquiry on my credit bureas. Attached are their emails screenshots requesting I should complete my application because the had a hard enquiry on my credit not soft pull and from this email screenshots it indicated I did not finish the pre-qualification because they requested for my vehicle documents via email when I had selected I have auto loan. 

From date of the email asking i should pick where I stopped showed i need completed their loan application and should not have hard enquiry on my credit report. 

They lied to cfpb in their letter. I never finished their application when the sent an email requesting for my car documents when i had selected option i have auto loan and it was hard pull not soft pull.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX  refused to remove hard enquiry on my credit bureas. Attached are their emails screenshots requesting I should complete my application because the had a hard enquiry on my credit not soft pull and from this email screenshots it indicated I did not finish the pre-qualification because they requested for my vehicle documents via email when I had selected I have auto loan. 

From date of the email asking i should pick where I stopped showed i need completed their loan application and should not have hard enquiry on my credit report. 

They lied to cfpb in their letter. I never finished their application when the sent an email requesting for my car documents when i had selected option i have auto loan and it was hard pull not soft pull.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: T.S. Holdings
State: NV

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX  I received a call from a debt collector at IQ Data International. I spoke to a representative who was extremely rude and disrespectful. She would not give me options of payment and instead advised that I take out a loan or use a credit card to pay the amount in full on this day. I tried to gain clarity on the situation by asking questions and was overtalked. I informed the representative that I was at work at the time of the call, and she proceeded the phone call. I explained to the representative that she was being a bit rude and that I was only trying to see how I can cover my debt. She proceeded to state the name of my job and stated that she will call my employer after she clearly already has my information. She also stated that it will go on my credit report. At this point I asked to speak to a supervisor or management, and she stated that she was the only person I could speak to. The representative named XXXX proceeded to hang up the phone in my face. I tried calling back and asking if there was anyone who could help me settle my debt and even asked not to be transferred back to XXXX however, they transferred me to her anyway. I did not feel comfortable speaking to her and tried calling back to get another representative but got no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: AR

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF 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 explanation
Consumer complaint received 2024-12-19 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.

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward 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 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I've tried opting out.The company states they don't give the option to opt out. The company Is still reporting my personal information without my consent. Per the XXXX as a federally protected consumer, I am now opting out of any and all authorization. I, the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 1602.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I requested a credit limit increase on my Chase Sapphire credit card, which was not approved despite my consistent payment history and responsible use of credit. The decision appears to be influenced by erroneous information from XXXX, which incorrectly reported that I was delinquent on an account. XXXX has since confirmed the report was a mistake, yet Chase has not reconsidered my request for a credit limit increase. This denial has limited my financial flexibility and could affect my credit utilization ratio, potentially harming my credit score. I request that Chase reevaluate my credit limit increase request in light of the corrected information and ensure that erroneous reports from other creditors do not unfairly impact my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Subject : Urgent Assistance Needed for Delayed Western Union Transfer ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, I initiated a transfer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The portal indicated the funds would be available within XXXX to XXXX business day. A fee of USD XXXX was charged, and the transaction was assigned ID MTCN : XXXX XXXX XXXX. The funds were promptly withdrawn from my account. 

The following day, I received an email from Western Union requesting the beneficiary 's email and phone number to proceed with the transfer. I provided this information on XX/XX/XXXX. 

On XX/XX/XXXX, I called Western Union to inquire about the delay. I was informed that my case would be escalated for resolution. On XX/XX/XXXX, I followed up and was told the case had not been escalated as previously stated. The representative assured me that it would now be escalated and mentioned the beneficiary 's bank already had the funds. 

However, on XX/XX/XXXX, the beneficiary contacted their bank, which confirmed no transaction had been received from Western Union. I immediately called Western Union again and was informed that the location of the funds was unknown. A " Track '' request was initiated, which may take up to 20 days to resolve.

As of today, the funds have neither reached the beneficiary nor been refunded to me. I urgently need this money and would greatly appreciate any assistance in resolving this matter as quickly as possible.

Thank you for your attention and support. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
Harley Davidson financial is the alleged company. I asked to have my number XXXX opted out of their list. I have not owned nor have I done business with this company but somehow they call everyday and leave a voice mail. When I asked for them to opt my number out they demand my social security number. I asked for a supervisor and they refused. They have called everyday. I want them to stop calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Netspend Corporation
State: VA

Complaint narrative:
I have an account with Netspend and I get a check once a month and i normally get a notice on my phone when funds are there.For some reason this month I did not get notice and i begain getting over draft text messages and I have called the company to dispute the transactions. and then I was told it takes ten days and I recieved more withdraws from my account even after the first dispute so after ten days I called to find out where was my funds they told me they are still investigating and it will take up to 90 days and my account is now XXXX dollars. Overdrafted. I could not pay any of my bills. this is not the first time I have done a dispute with this company and did not get a resolve. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then I was charged for some things three times over after the dispute. nothing has been done. the other company 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 2024-12-19 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: LD Holdings Group, LLC
State: NY

Complaint narrative:
It had been more than 4 years since I requested for this to be moved and it is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
After being issued a new debit card due to repeated chip and XXXX errors, with the same account number, a merchant issued a {$4100.00} refund but capital one rejected the refund due to the expiration date not matching. This is not standard banking practice. The merchant is not unable to issue a refund because on their end the credit has been processed. Capital one 's only solution is to issue a dispute for a transaction they refused, this causes damage between myself and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
According to Law USC 1692c If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 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: PR

Complaint narrative:
My credit is is inaccurate which is not fair to me. Please investigate it and fix it. I'm, really tired and sick with these thing. Should be there be any updates on my inquires, I'm gon na go to court.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I have sent letters with my ID social and everything letting them know it was all because of identity theft and nothing was removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I placed an order for a product from a merchant on XX/XX/XXXX, and provided credit card details ( Chase Sapphire Preferred ) verbally. Shortly after, I received a text from Chase Bank saying that they declined the transaction and believe the transaction is fraudulent and requested me to confirm whether I initiated the transaction or not. I responded " Yes '', and got a follow up response from Chase saying " Thanks. The transaction wasn't completed. '' Since Chase told me the transaction wasn't completed, I contacted the merchant and re-placed the order, however, the original transaction actually was completed.

When I called Chase to discuss, they said they won't do anything unless I contact the merchant first. This seems like a firm rule, so I contacted the merchant who will try to resolve this for me in the coming days, however, in the event that Chase actively advises a consumer that a transaction won't go through, and then the transaction does go through, the entirety of the burden to resolve this matter should rest on Chase, as their fraud monitoring system is inaccurately advising consumers about their credit card activity. If I weren't monitoring these payments, it's possible I never would've noticed that the charge was posted multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.

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 2024-12-19 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: OK

Complaint narrative:
Hello, I am requesting an investigation into these accounts as there seems to be some confusion regarding their accuracy on my credit report. These accounts were removed previously but have been added back without my knowledge. I was not notified of their reappearance, nor have I received any mail about this matter.

Company response to consumer: Closed with explanation