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: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX of ny leased XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX for 36 months, the lease was extended for another 12 months in XXXX, then we found out from our insurance company that the cars needed a safety recall fixed and we would not be covered by them until the recall was corrected. We received no notice fromToyota about it. 

We contacted XXXX XXXX and they confirmed that a safety recalled was issued and no fix until XXXX, now we were tucked with the cars and still had to make payments. They informed the company that no compensation nor loaner cars would be given because its a company lease. 

We paid full amount for the car lease for 48 months with non use for 12 months. After the lease we returned the cars to the dealership in XXXX NY. 

We had to purchase the cars because the dealership said they wont buyout the cars because they cant sell them with the recall issues and they are not worth the amount XXXX is requesting so XXXX XXXX had to purchase he cars. 

Now XXXX is claiming XXXX owes more payments and fees on the cars, come to find out they were not reporting the car sale on XXXX XXXX XXXX XXXX XXXX credit, but was reporting on my personal credit with the 3 reporting agencies.

I found out they put ownership of cars on my personal reports and added negative comments of late payments and passdue payments is owed. I am not owner of the lease nor cars.

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 — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX of ny leased XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for 36 months, the lease was extended for another 12 months in XXXX, then we found out from our insurance company that the cars needed a safety recall fixed and we would not be covered by them until the recall was corrected. We received no notice XXXX  about it. 

We contacted XXXX XXXX and they confirmed that a safety recalled was issued and no fix until XXXX, now we were tucked with the cars and still had to make payments. They informed the company that no compensation nor loaner cars would be given because its a company lease. 

We paid full amount for the car lease for 48 months with non use for 12 months. After the lease we returned the cars to the dealership in XXXX NY. 

We had to purchase the cars because the dealership said they wont buyout the cars because they cant sell them with the recall issues and they are not worth the amount XXXX is requesting so XXXX XXXX had to purchase he cars. 

Now XXXX is claiming XXXX owes more payments and fees on the cars, come to find out they were not reporting the car sale on XXXX XXXX XXXX XXXX XXXX credit, but was reporting on my personal credit with the 3 reporting agencies. 

I found out they put ownership of cars on my personal reports and added negative comments of late payments and passdue payments is owed. I am not owner of the lease nor cars.

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 — Reporting company used your report improperly
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I was reviewing my credit reports, I discovered a late payment from 1st heritage, an account for which I have always maintained timely payments.Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the with 1st Heritage # XXXX. I'm requesting a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. I unable to furnish such proof, I demand that these payments be promptly updated to refect their true status as on-bire, as I have consistently upheld my payment obligations without delay.

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: EQUIFAX, INC.
State: NY

Complaint narrative:
Ive reviewed my credit report and noticed some incorrect information about a few accounts

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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Filed dispute with XXXX XXXX regarding incorrect balance and incorrect charge off dates. On credit report, states new balance as well as same amount charged off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
I had bought a used vehicle from dbutz in XXXX I don't have a problem with that company who sold me the vehicle.. 
My main problem is Consumer Portfolio Services I've been paying on my loan XXXX them XXXX the past XXXX The XXXX 2 months were fine, but then the XXXX month that is when things went downhill they stare they never got a payment from me in XXXX, found out it was bc they never took the payment out of my acct @ all,. Going thru there mobile website I've done that a few XXXX XXXX then I get an email stating it was cleared then after that I get another email supposedly stating that I never tried making a payment,. I've made payments on my vehicle since buying it..

This company has had soo many complaints n they don't accurately report the right on creditors.. I've always done my payments on vehicles that I've had in the past.. The last delearship I had bought my vehicle from b4 trading it in my payments were always on XXXX  since I was called it in XXXX them XXXX never had any probs. 
Till I had bought the vehicle I'm driving now. They claim I didn't pay XXXX XXXX months XXXX that I'm behind ... .. Each month I've always paid my car paymen on their website they " Don't always take the money out XXXX my car payments '' I'm getting more than frustrated n now I get another letter supposedly stating that I'm behind in this payment eventho it shows on my transactions that I made the payment,. I just recently got another letter from them this month that they get my payment " again '' I have the transactions that it had gone thru I even have it in my transactions,..

I've been trying 2 make payments each month n it shows that they haven't tried taking my payments each month like they're supposed to... I want them called out on this n need a different car payment place 2 take over my payments,. I'm about 2 report them 2 police if they try n take my vehicle cause I've been trying 2 make payments if they don't take the payment it's hard 2 keep up when they are lying about my payments 2 them, I'm Not the only 1 that has been having probs with this company..

The ppl @ CS for Consumer portfolio services barely speak XXXX XXXX keep telling me that everything is Ok. 
I was more than XXXX have them out of biz XXXX license taken away, they r scamming XXXX left n right n I'm sick of it ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: ND

Complaint narrative:
I am filing this complaint against American Express for engaging in unlawful debt collection practices that violate federal law, including the XXXX statute. American Express knowingly participated in a scheme involving fraudulent debt instruments, resulting in negatively impacting my credit score. These actions constitute a deliberate and egregious violation of my rights as a consumer and federal statutes. Specific Allegations are 1st-Fraudulent Debt Instruments, 2nd- Reporting of Delinquency to all Major National Credit Bureaus , 3rd- Knowledge of Fraudulent Activity and 4th-Violation of XXXX Statute. Why the Debt Collection is Unlawful : 1st - Fabricated Credit Card Agreement and Lack of Lawful Consideration, 2nd- Fraudulent and Predatory Practices, 3rd- Disregard for Evidence and Federal Law and 4th-Violation of the XXXX Statute. 
See Attached Documents

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I continue to get willfully neglected but it's fine because I'm just collecting these notices and letters to show the actions of standard procedures on willfully neglectful and to stall and to lengthen the time length as much as possible to drain out. your practices are being exposed little by little it will be presented in a court of law. bylaw you are required to keep my for accurate I have attached a form to show inaccuracies from TransUnion therefore TransUnion must adhere and Obey to my demands this moment 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: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, I applied for an American Express XXXX XXXX XXXX with the offer of receiving {$250.00} if I spent {$3000.00} in the first 6 months which I did. On XX/XX/XXXX, I spoke to XXXX at American Express and confirmed I had spent {$3000.00} and would be receiving this offer. He acknowledged I would be getting the offer after a few statements closed. At no time was it explained to me that I would not get this offer. Last month, | called American Express a few times and they said they would look into and call me back by XXXX XXXX l didn't hear back as promised so I called back on XX/XX/XXXX. I was told I would not be getting the {$250.00} Welcome Offer and they wouldn't give me a reason. I spoke to XXXX who didn't have an answer so l asked for a supervisor. I held and then the call was disconnected. The call was over 28 minutes with no answer. They called back and no one was on the call. I felt as though I was hung up on purpose and the call back with no one on the line seemed also on purpose. 
I called back and spoke to XXXX who said, '' It's not providing specifics. '' I asked for a supervisor and spoke to XXXX who said there are certain factors why I didn't get the promotion. I ask what they were and he said, '' It doesn't provide the certain factors ''. I asked to speak to his supervisor and XXXX said nothing to explain why I didn't get the promotion. It should be noted that I have been with American Express for 30 years since XXXX and never received this welcome offer prior. One confusion was I had an American Express XXXX XXXX XXXX card since XXXX. After getting approved for the new card on XX/XX/XXXX, it was suggested to upgrade this card at no cost. This card was approved on XX/XX/XXXX. When I received it, I couldn't understand why | had 2 American Express XXXX XXXX cards. I didn't understand that was the upgrade. I cancelled the XXXX after a great convenience to cancel all my autopays. Why didn't American just offer to upgrade the XXXX card?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: WI

Complaint narrative:
In XXXX of XXXX American Credit Acceptance submitted a Proof of Claim to my attorney in the amount of {$4000.00} indicating that this was the payoff amount including interest. 

This amount was paid off through my Bankruptcy payments to the Trustee as of XX/XX/XXXX. 

In XXXX of XXXX my case was dismissed as I could no longer afford the payments with inflation and the rise cost of living. 

I was told by my Attorney that the interest was not paid off through the Bankruptcy and that I would owe that now that my case was dismissed. 

On XXXX I called American Credit Acceptance and spoke with someone in the Bankruptcy Department to ask what the amount of the interest was that I owed in order to pay that off and get the Title. I was given an amount of {$1300.00}. I was asked if I could pay that amount that day I stated that I could not but I would make some arrangements once I got an official letter stating this. I was told that I would get a RIGHT TO CURE letter in the mail, but it would have an incorrect amount and to DISREGARD that amount as I would indeed get an updated letter with the {$1300.00} amount reflecting. 

On XXXX I got the RIGHT TO CURE letter with an amount of {$4300.00} owing. The letter indicated that this total included MISSED PAYMENTS dating from XXXX through XXXX during which time my Bankruptcy was active and payments were being made. 

I never received the updated Right to Cure letter. On XXXX I received an email from American Credit Acceptance stating that my vehicle had been assigned to a repossession company. I called to ask what was happening and was told that I would get a call back from a supervisor. I also reached out to my former Attorney that day as well. On XXXX my vehicle was repossessed overnight from my residence. 

As of XXXX I have not received notification of where the vehicle was taken, where my personal items are, and what the current status of the vehicle is whether it has been sold, will be sold etc.

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 — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently received two checks from New York State insurance fund due to me being on paternity leave. I decided to make a Citibank account in order to deposit those checks. I deposited them both XX/XX/XXXX. The very next day I was no longer able to access my account which from the verbiage on the app it made it appear as though there was an issue with the app itself and not my account so reasonably I decided to wait. The next day I am still unable to access my account but am receiving emails about my deposits that would indicate no issues. I walk into a branch only to be told that I should call a number that directed to me to their fraud department. Reasonably maybe I believe they wanted to verify the validity of the checks which I have all of the proof of. Instead I am told to wait 48 hours for my account to be reviewed and that there was nothing to be done I didnt get asked any questions regarding my checks or anyway for me to verify. Begrudgingly I wait the time and call back only to be told my account would be closing in 60 days and that they can not give me a reason as to why. I explain to them my situation in that I havent been paid in over a month and that those checks were my only income and I have XXXX XXXX and my partner to take care of and that I can not wait in excess of 3 months for funds that should be available to me as I have all the proof and even confirmed with my case manager that those checks were cashed in New York states system. They told me that their job was only to give me accurate information. That I understand and honestly I dont even care if they closed my account so long as I can get my funds and never have to deal with Citibank ever again but Ive spoke to so many people and being forced to wait and wait and now this is an issue of me being able to feed and provide for my family which is unacceptable. I dont even know how to fully explain myself here but hopefully this complaint reaches someone that can help me at the very least reopen my account or even transfer my funds I can not wait that long.

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 monetary relief
Consumer complaint received 2024-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: MI

Complaint narrative:
This company has been threatening calling me to collect this debt that is not mines it has been affecting my credit score for over two years! After numerous disputes and letters ive sent this company ( CREDIT CORP SOLUTIONs ) refuse to provide me with written proof of the collection and paperwork showing I agreed to this collection or that i have even opened this debt up i have no knowledge of it THIS IS NOT MY DEBT. I notified this company that i was also affected by XXXX XXXX breach! Ive locked, froze, and flag all my credit bureaus as fraud, I received a threatening email stating someone on credit corp solution team would take legal action to get money i DO NOT OWE!

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: EQUIFAX, INC.
State: MA

Complaint narrative:
I AM A VICTIM OF XXXX XXXX AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3. EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.

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 — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Commenity Bank is calling and harassing me non stop all day long. XXXX calls a day when Im trying to work. When I block a number they call me from another. I HAVE NEVER IN MY LIFE OWNED A COMMENITY BANK CREDIT CARD NOR DO I OWE MONEY TO ANY DEBTORS. THEY ARE CALLING THE WRONG NUMBER AND IT NEEDS TO STOP.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX and XXXX credit reporting agency , 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 a personal credit card account opened at XXXX XX/XX/XXXX under the account number ( private ), a personal credit card account opened at XXXX XX/XX/XXXX under the account number ( private ) and a Store Credit Card account opened at XXXX on XX/XX/XXXX with a balance of $ ( private ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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