vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the charge-off as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within 3 business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX I applied for a received a Citi XXXX XXXX account and was a card holder in good standing until XX/XX/XXXX when citi abrubtly decided to close my account. 
Closing the account resulted in negative points on my credit report, while still having to make on time payments and pay interest. 

Upon learning of this I contact Citi executive offices due to my disappointed. After investigation CITI revealed the reason for the closure was due to a debt that was charged off in XXXX and sold to a debt collection company in XXXX. This was concerning due to a number of reasons which Ill explain below.

1. Citi pulled a credit report prior to deciding to reissue the card without notice of the credit check. 
2. Citi reviewed internal records to make an adverse decision that affected me and according to the FCRA this was done incorrectly and caused damages to me.

3. Citi has started company wide layoffs and informed regulators that this is due to a drop in revenue. However it is clear the drop in revenue is being caused by citi themsleves by shedding on time paying customers for no reason.

4. CIti SOLD the debt and no longer owns it but makes decisions based on the debt. 

These reasons are concerning but most important is the fact that Citi themselves had trouble and needed a bailout from the American people due to their financial decisions in XXXX. Now in XXXX after being a good customer and never being late Citi decides my past financial decisions should affect my current life. 

When pressed on this issue and reaching out to the Executive office of Citi I'm told its a private business and they can do what they want even violate the FCRA and cause personal damages to me. When reading online of other peoples issues of same its clear CITI makes adverse decisions to card holders and account holders with ZERO accountability and hides behind being a private business... ..yet is publicly traded on the stock exchange. 

Lastly the card was obtained AFTER the debt had been sold and been in good standing so looking back 7 years to a previous debt WHILE an account holder makes no sense.

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 2024-01-24 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: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
It is against the law to report transactions or experiences between the consumer and the person making the report. The term " person '' is JPMCB AUTO the corporation and the " consumer '' is me. You have violated my rights according to 15 U.S. Code 6802 and 15 U.S. Code 1681a ( 2 ). The illegal late payments and inaccurate information that you are reporting concerning me are harming me personally, emotionally, and financially, and causing me damage. Please see the attached document with proof of the illegal late payments on my consumer report. I request that you promptly delete all ( late payments ) update the account to current status and send an updated copy of my credit report within 30 days of your request that you fully comply with the law in my request. Should you fail to make the requested late payment deletions and update to the current status, I request that you provide me with your permissible purpose for reporting each late payment on file in writing and copies of the written instructions of the consumer ( me ). I request that you provide me with the name and address of the person ( s ) that you contacted to allegedly verify the information that I have rightfully disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I called at XXXX central time to Capital One customer XXXX spoke to representative in regards to my acct ending in XXXX. The account was closed months ago but I was still making monthly payments to pay off the debt. I made the last full payment of the total amount due of {$750.00}. Due date XX/XX/2024 payment was posted XX/XX/2024 and I still received a XXXX statement for {$10.00}. When I first got this Capital One card my interest rate was 15.9 %. I have a good credit score over 700 and I called multiple times in regards to lowering my interest with no luck. It went up to 28.15 % and I pay my bill on time and pay more than minimum amount sometimes paying balance in full. With no luck of getting the interest rate to drop I called and closed the account advising them I would pay my balance off. I spoke to a rep XXXX and he stated he could adjust the {$10.00} interest balance. I asked for a manager, XXXX Id # XXXX came on line and was pretty cold and stated she could adjust the balance because it was residual interest accumulated from balance due. This is so unfair to the consumers. If a consumer pays their balance in full before the due date their should be no residual interest charge. Many of these charges are automatic and can be manually overridden and adjusted. I want this refunded back to me. I know this complaint will not be resolved before XX/XX/XXXX so I will have no choice but to pay the balance to avoid any additional late fees etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/2024 I received a letter from resurgent capital services about a debt I told them to stop communication. 15 usc code & 1692c a states without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. This is a direct violation of 15 usc code 1692c a..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XX/XX/23 signed up to take XXXX XXXX XXXX trip to XXXX. 
XX/XX/XXXX, we were told orally trip was cancelled. 
I started a chargeback on my credit card. 
Requested refund multiple times. 
XXXX filed travel insurance claim. 
XXXX XXXX said they sent check. 
Sent a merchant complaint about XXXX XXXX to XXXX for " taking '' XXXX  but defrauding their merchant agreement. 
Not received, and wrong amount. 
I want FULL credit

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 2024-01-24 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:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 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: CA

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. These accounts are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 EXP REMOVE THIS IDENTITY THEFT ACCOUNTS ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: A.R.M. Solutions, Inc.
State: MN

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) sent a salesman to my house in 2020. I signed up for XXXX XXXXs during the pandemic on a deeply discounted rate. I wasn't happy with the services and tried to cancel the services multiple times. They claimed to have a 12 month cancellation clause ; however, this was never explained at point of sale and the company never provided the contract that specified this term ( and I requested it multiple times ). Not only did they use deceptive sales practices but after more than XXXX year of me trying to cancel their services ( I was told multiple times that I was paying the final bill ) they sent my account to collections. To my knowledge no XXXX XXXX  have been performed on my property in the past year. I have also asked multiple times for them to put in writing that this bill I am paying is the final bill, they have not accomadated this request. I would caution any consumer from using their services as their business model combines predatory sales practices with an inability to cancel services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
Year of 2019 purchased a vehicle with Infiniti as the cobuyer, finance manager informed me my name would be taken off in 6 months, XXXX XXXX is the primary buyer, nissan which is who the loan is with falsified my name as the primary owner because they could not find XXXX XXXX, they REPO the vehicle after it was stolen for 60 days, they did not contact me or XXXX XXXX to buy back, they waited 3 years to reach out and tell me i owe them around XXXX when they sold the vehicle and never given proof of sale or who they sold it too. This is all against the law, they been harrassing me making threats, reporting late payments on my credit when i do not even have the vehicle or loan with them. They first closed the account and reported it was resolved, then they sold the account to another creditor thats been harrassing me also making threats. Ive tried to resolve the issue by asking for proof but now its past the 3 year mark and they have to remove this off my credit. they are reporting late payments when they sold the vehicle on whatever date they sold it because again i do not even have that information. I reached out to XXXX XXXX and they have it on his credit too. So they are reporting late payments and also a debt on two persons credit, that is illegal in marland and they also did not contact XXXX XXXX about this. He has disputed it with XXXX and informed them that this is his loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian has closed 10 complaints with 7 XXXX  absurd explanations that clearly are computer generated responses but that does not negate the fact that EXPERIAN NOW HAS STOLEN ALMOST 20 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO 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 2024-01-24 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: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: UT

Complaint narrative:
All assets I purchased also USD overcharging, and selling my crypto currencies, I deposited about {$5000.00} total within a year and my account balance says $ XXXX. When I continued to try to dispute this, all they kept saying was " we cant access this until you pay the XXXX to unlock the account, for what I don't know, but yeah all the purchases and conversion and interest and gains from the following statement from the company. I would like returned to me, or better yet a cashier 's check from all sales of assets combined, mailed to me and close the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have five or more previous requests to dispute and remove the late payment reported on my consumer report by Transunion from XXXX XXXX. The late payment was previously removed however as of today, the late payment has been placed back on my consumer report even though I submitted information showing that XXXX agreed to remove the late payment. I have never been late on this account in the history of this account. The company ( XXXX ) did not make a balance adjustment to the account when the account was in a dispute status.I would like compensation for this financial damage that is being caused to me by Transunion and 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 2024-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had a notification I had a hard pull on my credit report by Capital One Bank. I did not ever requested or open anything with Capital One. Called the company and they said no idea but to contact the credit bureaus which I have done. I found out that the culprit used a fake address and phone number. I need help please. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Panorama Mortgage Group, LLC
State: FL

Complaint narrative:
My provider is Panorama Mortgage Group LLC. They have two differnt locations. They switched me internally from one to the other. I have always made my payments on time through the website and have receipts to show it. They claim that the new office doesnt use the same oneline payment site and as such does not show my XX/XX/XXXX payment and my XX/XX/XXXX payment was not applied to my account until XX/XX/XXXX. 

They said they sent notice about the change from one office to the other and when I asked when it was mailed to me they said a notice was sent in XX/XX/XXXX via email and was never mailed. I do not have, nor signed up for paperless commnications and they have confirmed that they did not MAIL this change of service/new payment website to me. 

I have sent them a copy of the XX/XX/XXXX payment and the XX/XX/XXXX payment. They can not promise internal degragatory information will be removed and I have requested for the extra intrest that my account has accured to be removed as well and they said they cant do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: MN

Complaint narrative:
On or about XX/XX/2023 my information was used to establish several utility bills totaling about XXXX I never gave anyone permission to use my personal information this has ruined my credit that Ive worked extremely hard to build over the years my creditors are reducing my card limits due to this situation all kind of stuff is going wrong due to this mishap,

Company response to consumer: Closed with explanation