vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Subject : Notice of Dispute Pursuant to 15 USC 1681n Dear XXXX, I am disputing inaccurate information on my credit report as provided by XXXX XXXX. This notice is pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681n. 

I dispute the following inaccurate information : [ Clearly state the inaccurate information being disputed. ] I demand immediate investigation and correction of the disputed items as required by law. Failure to comply may result in civil liability under 15 USC 1681n. 

Please acknowledge receipt of this dispute letter and provide a timeline for resolution. 

Sincerely,

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 2024-03-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
Dividend Finance sent us a copy of the Loan Application that my mother had signed. 
As we have stated before this was a predatory sale and loan. The XXXX sales rep sold my mother their 'top of the shelf " walk-in bath tub for {$23000.00}. The XXXX XXXX assisted with the loan application for the finance. Dividend Finance granted the loan to my mother who was living in a house that was on a XXXX Mortgage, she was deeply in debt, and was in XXXX XXXX Several days before the bath tub was installed my mother had an appointment with the doctor to look into XXXX. She went into hospital and never came out. 
My mother passed away in XX/XX/2023 leaving no will. Therefore we had to apply to the Court to be able to handle her affairs. Unfortunately we had to wait several months to have our probate hearing. I, XXXX XXXX, was granted Administrator of her affairs enabling me to find out more about this predatory sale/loan with the above companies. Dividend also charged us interest on the loan from the day she died to the day we were able to sell the property in XX/XX/2023. 

This was a loan that both parties knew she would not be able to pay off in her lifetime. She did not have the means to pay off this loan. There was also no consideration on the cost of her water bills which would be high in order to fill a very large tub. 

This complaint should not be Closed. My spouse, XXXX, initiated the complaint for me because I am an airline pilot who travels overseas so it helps if responses go to her email. 
I am more than happy to talk to someone to give permission for XXXX to communicate with you and/or send emails. Or I can talk by phone if need be when I am in the XXXX. 

Dividend have not provided all the information we have asked for. We are asking for a all documentation they used to determine that my mother was eligible for a {$23000.00} loan who I will repeat was on a reverse mortgage and deeply in debt and in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry was made without my authorization.

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 2024-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX has placed a collection on my credit report without following the laws such as " US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan '' . They have a collection for XXXX XXXX XXXX XXXX. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre ) . I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.

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 2024-03-13 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: CA

Complaint narrative:
XXXX XXXX XXXX has placed a collection on my credit report without following the laws such as " US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan '' . They have a collection for XXXX XXXX XXXX XXXX. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre ) . I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX has placed a collection on my credit report without following the laws such as " US Court of Appeals, Ninth Circuit, No. 00-15946, Nelson vs. Chase Manhattan '' . They have a collection for XXXX XXXX XXXX XXXX. They show it as Date last activity XX/XX/XXXX but opening in XXXX of XXXX and reporting it XX/XX/XXXX. This feels like they are trying to re-age it and violating FCRA Section 605 ( c ). They are a third-party collection agency and made no attempt to validate the debt in writing ( FDCPA Section 809 ( b ) FTC opinion letter Cass from LeFevre ) . I had sent them a letter asking for validation and they ignored it. And proceeded with collection. I asked their agency to immediately cease all collection activities related to this account. This included, but was not limited to, phone calls, letters, and reporting to credit bureaus. I am asking the CFPB at the minimum to request a validation of this debt, including a detailed account statement showing the original creditor 's name, the amount of the original debt, and any fees or charges that have been added. This information must be provided within 30 days of receipt of this letter, as stipulated by the FDCPA. In addition, I ask them to correct the credit Reporting. They should immediately show this account as charged off and correct the inaccurate reporting of this account on credit report while the investigation is ongoing if. Even better they should REMOVE it while the investigation is being done. This includes updating the account status to reflect its true last activity date and ensuring that it is reported as charged off, if applicable. As I stated earlier, I feel given the inaccuracies in reporting and the failure to provide an opportunity for debt validation, the removal of this collection account from my credit report with all three major credit bureaus would be the fairest resolution at this time.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several counts open using my personal information fraudulently. The listed accounts in this document are not mine and should not be reflected in my report. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies that this information resulted from alleged identity theft. I am demanding the removal of these accounts immediately. ADDITIONAL UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : 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,

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 2024-03-13 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX, and I am taking the time to compose this message. It has come to my attention that there have been several counts open using my personal information fraudulently. The listed accounts in this document are not mine and should not be reflected in my report. According to 15 US Code section 1681-C-2, a consumer reporting agency shall block and remove the reporting of any information in the file of a consumer that the consumer identifies that this information resulted from alleged identity theft. I am demanding the removal of these accounts immediately. ADDITIONAL UNAUTHORIZED HARD INQUIRIES TO BE REMOVED : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
Subject : Complaint Regarding Misleading Information and Feeling Misled by XXXX XXXX Application Process - this offered was made base on my original current card # XXXX XXXX XXXX XXXX with a credit limit of {$300.00} dollars from a destinycard.com Dear to whom it may concern, I am writing to express my deep disappointment and frustration regarding my recent experience with the Milestone Mastercard application process. Upon receiving communication from your company indicating that I was eligible for a {$1000.00} limit Milestone Mastercard, I proceeded to apply with high hopes and expectations. 

However, upon completing the application and receiving the card, I was shocked and dismayed to discover that the credit limit provided was denied and lowered my credit I was working so hard to improve. I even called XXXX XXXX credit reporting agency to remove the freeze to allow for the processing of the application. This discrepancy has left me feeling misled, cheated, and as if I have fallen victim to a scam. 

The information provided during the application process led me to believe that I would be approved for a {$1000.00} credit limit, which was a significant factor in my decision to apply for the Milestone Mastercard. To discover that this was not the case after going through the entire application process has left me feeling deceived and betrayed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  pursuant to license from MasterCard international phone number XXXX. 

As a customer, I expect transparency and honesty from the companies with which I do business. The misleading information provided by your company has not only damaged my trust in your brand but has also resulted in a negative financial impact for me. 

I urge you to investigate this matter promptly and provide me with a satisfactory resolution. This may include honoring the originally promised credit limit, providing compensation for the inconvenience and disappointment caused, or taking steps to ensure that future communication with customers is clear, accurate, and transparent. 

I appreciate your attention to this matter and look forward to a prompt resolution. 

Sincerely, XXXX XXXX - ( XXXX ) XXXX - XXXX - email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I've tried contacting XXXX since XXXX. I contact them in XXXX of XXXX, in XXXX of XXXX, in XXXX of XXXX, and XXXX, XXXX, and XXXX of XXXX. 

When I contact XXXX, they tell me they don't have any financial information about this recurring charge ( Monthly Subscription Premium Support : XXXX Technical Support and Monthly Subscription Premium Onsite Service After Remote Diagnosis ). They tell me I need to call Comenity Bank. I've spoken with several representatives who then direct me back to XXXX because they have no information. I spoke with a supervisor in XXXX of XXXX who advised I could dispute the charges, but I'm still getting charged. There's a note on my XXXX XXXX XXXX stating this should've been cancelled as of XXXX of XXXX, but I was just charged and will be charged again on XX/XX/XXXX. There is no way to end this, and nobody has information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 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: IL

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report. I have carefully reviewed the provided by your bureau, and I have identified several discrepancies that require your attention and correction.

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 2024-03-13 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: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. The inquiry was made without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
I bought a concert ticket on XXXX for XX/XX/2024 not realizing this was in XXXX XXXX which is over XXXX miles from where I live. My inte tion was to buy a ticket for XX/XX/2024 in XXXX TX. XXXX has access to my location, therefore, I am not sure why I will offered to buy tickets to a location more than XXXX miles away. I contacted XXXX right away to see an option to change venues or get a refund and they refused. Please note I was never given terms and conditions when buying the ticket. I requested proof of these and they never provided this. 
I then requested a disputw to XXXX XXXXnor Cashapp but it looks they allow a machine or AI to make such decision with very default emails and no human interactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Incomm Holdings Inc.
State: MI

Complaint narrative:
I bought a XXXX XXXX Gift card from XXXX XXXX for {$100.00} credit. I activated it on their website and set a pin #. I even verified the card credit is worth {$100.00} exactly. Then, NOWHERE will accept the card. Physical stores, XXXX, XXXX, XXXXXXXX XXXX, XXXX, anything. Nothing will work. They all just say theres an issue with the card company. So I call the number provided on the card tons of time and theres zero way to get thru to a human representative- only automated options that hang up on you. It still says my card is worth {$100.00} but I cant use it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute certain inaccuracies on my credit report. I have carefully reviewed the information provided by your bureau, and I have identified several discrepancies that require your attention and correction.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
The information reported in my credit reports contains inaccuracies that have misrepresented me to new creditors reviewing my credit applications. 
These discrepancies in the reported data are causing confusion and contradictions. Consequently, I request the correction of these inaccuracies and the removal of the incorrect items from my credit 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 2024-03-13 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: IL

Complaint narrative:
According to FCRA 605B, it's necessary for us to eliminate any erroneous accounts from my credit report. Could you kindly review the documents? I'm feeling unsettled due to the inaccuracies in some of the listed accounts.

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 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Avid Acceptance, LLC
State: AZ

Complaint narrative:
On XX/XX/XXXX I spoke with XXXX XXXX at Avid Acceptance in regards to my auto loan that I had fallen behind on my payments. She verbally guaranteed that if I paid {$800.00} I would bring my account current and not have a remaining balance owed until my scheduled payment that would be due on XX/XX/XXXX. I made the {$800.00} payment then. 

Later on XX/XX/XXXX at XXXX I received an email from XXXX stating she was incorrect and that I needed to now pay additional {$71.00} and she again guaranteed that after making the {$71.00} payment I would not have any remaining balance owed on my account until my regular monthly payment due on XX/XX/XXXX. I then made the {$71.00} payment. 

On XX/XX/XXXX I noticed my account showed I owed my regular monthly payment plus an additional amount of {$190.00}. I immediately emailed Avid Acceptance and provided them the email from XXXX guaranteeing twice that if I made the {$71.00} payment after already making the {$800.00} payment my account would be caught up with no balance remaining. I received a response back same day explaining I now have fees from the past of {$190.00}. I responded back again with XXXX email guaranteeing me no other fees would be on my account and I explained I hope they can resolve this so I wouldn't have been misled. They again emailed sorry but not sorry and I still owe the {$190.00}. I then told them I was going to report them for misleading me and adding additional fees after promising I had no other fees on my account remaining.

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