vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
i recently reviewed my credit report and i seen there was a account that i did not apply for or authorized which violates my consumer rights under 15 USC 1861b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want this off my report immediately because it has a negative impact on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
i recently reviewed my credit report and i seen there was a account that i did not apply for or authorized which violates my consumer rights under 15 USC 1861b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquires ; except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer and i want this off my report immediately because it has a negative impact on my 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 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my XXXX, Experian and XXXX credit reports, I have identified unauthorized inquiries. I kindly request the deletion and blocking of these items that do not belong to me within the next 5 business days.

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 2024-03-04 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: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
UNAUTHORIZED INQUIRIES ON MY CONSUMER CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank 's deceitful marketing and advertising of precautionary measures against early fraud is flawed, does not work when needed, and Citibank doesn't take ownership of this faulty system in place despite customer 's paying annual fees for a credit card that legally should have consumer 's protection as its utmost importance. 

In XXXX years of being a CitiXXXX XXXXlient and cardholder, a charge for over {$900.00} at one establishment should have triggered a fraud warning- and it did not - creating a nightmare and tense relationship with Citi for over 8 months of disputing this matter. 

Suddenly, Citi responds stating that " although we do have systems in place to assist in the detection and prevention of fraud, we are not able to prevent it in all instances. '' Yet they continue to advertise/market this early fraud detection in all their promotional collateral, websites, and other forms of advertising, with absolutely no caveat that states it does not prevent it in all instances. This is wrong- and the latest NY State lawsuit against Citibank is clear indication that they have not been doing enough to protect their loyal customers. You sign up for a credit card with safety in mind, and yet they admit to their faulty system AFTER a customer has been impacted, leaving you to foot the bill for unauthorized charges. 

This feels like discrimination to me. Would this dispute be resolved differently if I had a more executive/elite credit card, paying higher annual fees, and of a different economic status and race? Do those individuals get more dedicated and preferential service, and why is that the case? Why is it that their XXXXxecutive Response Unit is not responsive at all, does not communicate with their customers on the phone, and refuses to acknowledge any correspondence provided to support your case? Another example of terms/obligations to the customer not being met. 

Why is it that Citibank is very inconsistent with their decisions on the different case studies found on the Consumer Financial Protection Bureau - many examples of monetary relief given to a customer that was a victim of card-present fraud, online scams, etc. It seems they pick and choose who they want to help, and this also feels discriminatory. I have plenty of examples I can share with Citibank about this, but they choose to ignore my correspondence.

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 2024-03-04 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:
This letter is to be taken as my formal complaint that you are reporting inaccurate credit information on my credit file. Im not sure why you have included the following student loan information on my credit report. These inaccurate items are not only inaccurate, but they are also preventing me from purchasing a home due to it showing me in a negative capacity. From what I understand, the following items below should all be reporting across all 3 Bureaus the same. Well, theyre not, and from what I understand its an FCRA Violation, and it allows me to ask for these items to be updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
In XXXX I opened a personal loan with Lendmark, later that year I got married and my husband joined the XXXX. In XXXX I requested to enact my XXXX benefits, to reduce my interest rate and reimburse me the interest I had been paying. I applied for this twice and was denied both times. 

The first request was denied because our mailing address was Virginia. I explained to the representative who I had been working with on this matter, that our Home of XXXX was North Carolina. Our driver 's licenses were both NC, our cars were registered in NC at the time and more importantly, the loan originated in NC. 

The request was again denied this time because they said I didn't qualify for XXXX and not giving any further explanation. 

I then submitted a complaint with the company and with the XXXX. 

My complaint number with Lendwark was # XXXX. After numerous attempts to speak with someone of importance at Lendmark about this complaint, I finally spoke to XXXX, the Assitant Vice President on XX/XX/XXXX, XXXX Who told me that they would not enact my XXXX benefits and reimburse me because of the XXXX  Lending Act. 

The NC XXXX extends protections to dependents, which I am being a spouse of an XXXX XXXXXXXX XXXX member. Lendmark reduced my interest but they refuse to refund me the overpayment in interest from the start of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake financial will call 2 to 6 times daily under different numbers and caller ID in an attempt to get me to pay when i am behind. Even when i have a payment arrangement they will still call up to 6 times a day 7 days a week. If i block numbers they will call from a complete new set of numbers under different names : XXXX, XXXX XXXX, XXXX, etc. They have called me 3 times XXXX before XXXX : XXXX, just after XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XX/XX/24 XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, The week of XXXX through XXXX they called me XXXX times. 

the week before that XXXX times. 

It is so aggravating to try and work where most of my job is via phone calls yet they interrupt me all day.

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 2024-03-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Foursight Holding LLC
State: IL

Complaint narrative:
My original car loan was with XXXX and the gap insurance was with XXXX. I refinanced the loan with Foursight Capitol and XXXX for gap insurance. XXXX paid to Foursight Capitol the amount of {$640.00} for gap insurance. Recently the auto was a total loss in an accident. XXXX paid the insured amount for the loss. Foursight Capitol claims there was no gap insurance. The amount of {$640.00} from XXXX was cashed and kept by Foursight Capitol. Foursight claims I have no gap insurance. I called Foursight on XXXX at XXXX for a management callback from XXXX. I called back at approx XXXX pm after no callback. I called Foursight back at XXXX after not receiving a callback and was assured I would receive a callback.I received no callback that day. I called Foursight again on XXXX. 

Foursight said a XXXX did not want to talk to me. I accessed the Foursight website on XXXX after the phone call. I left a message on their website stating I wanted a management callback. I received no response. I called Foursight back at appox XXXX and asked for a XXXX. I was told by the agent that a XXXX would not speak with me. I want to know what happened to the {$640.00} that was paid from XXXX and cashed and kept by Foursight Capitol. I can get no answer from Foresight Capitol.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
Atlantic Recovery Services has been calling and harassing me about an XXXX debt for XXXX dollars from 2017. Which I am pretty certain I already paid years ago. I have been getting constant calls and now they have been calling my family members! I asked them to stop and they ignored my request. I dont know if this is even a legitimate company. As I said this is from 2017. I havent heard from anyone about this until now. 7 years later Im getting calls?! 7 years is a long time to not hear about a supposed debt I owe which I think I already paid. Its been quite a long time. It says in the fine print : Collectors may not tell another person other than your attorney or spouse. You have already called my parents multiple times after I specifically asked you not to. And you called my Aunt today. I am reporting this to the FTC.

Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may not contact another person to confirm your location or enforce a judgment.

I am getting calls 10 times a day. My parents and my aunt are now getting frequent calls! I told them to stop and they are violating the rules clearly stated. 

Original Account Number : XXXX Original Creditor : XXXX Current Creditor : XXXX XXXX XXXX XXXX ID Number : XXXX Current Balance : {$680.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I use Bill Pay through my bank to pay all my credit cards. I set it up so payment will be processed on time. Victoria Secret received the payment on XX/XX/XXXX. Payment was initiated on XXXX, through Bill Pay Payment was due XX/XX/XXXX. I was charged a late fee of {$30.00} on a bill that was {$30.00}. I contacted the store spoke to a supervisor and they told me basically too bad I was granted a one time grace fee. I contacted my bank and they said they will contact Victoria Secret with a letter stating it was not my fault. I called the store back and explained to them what my bank wad doing and their response was once again too bad. I closed my account and want the late fee removed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-04 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I am writing to bring to your attention a concerning matter regarding my credit report and recent inquiries made by the following companies without my explicit consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX Bankruptcy Case Number : XXXX XXXX  XXXX Account Number : XXXX etc.

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 2024-03-04 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: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: NY

Complaint narrative:
Ive been a victim of identity thetf

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 2024-03-04 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: NY

Complaint narrative:
Ive been a victim of identity thetf

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 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: WI

Complaint narrative:
XX/XX/year> : I received an auto loan application denial letter from XXXX which states, " Negative Equity '' with my credit score of XXXX attached. 

XX/XX/year> : I received a 'Welcome ' letter from XXXX which states, " We want to welcome you '' in regards to an auto loan. 

XX/XX/year> : I received a letter from XXXX which states, " We extended {$62000.00} of credit to your spouse. '' ( I do not have a spouse. ) XX/XX/year> : I received a letter from XXXX which states, " We're unable to approve your account based on negative equity ( again with XXXX credit score attached ) but we can offer you credit for {$94000.00}. '' I've obtained three credit reports in addition to XXXX XXXX & XXXX XXXX XXXX and see XXXX has been continuing to capture my credit without my consent and ignoring my request to opt out, per the law. 

Additionally, I sent the indenture trustee, Registered Mail, attention to XXXX XXXX XXXX a letter of notification for revocation of XXXX security interest, per UCC 3-311, withheld from me and authorized permission to transfer my security of {$62.00}, XXXX into my XXXX XXXX XXXX, with number provided. My letter was returned to me with an accompanying letter stating they were returning my enclosed correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I right the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 2024-03-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I right the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Capio Partners, LLC
State: NY

Complaint narrative:
In XXXX, an operator for the company misrepresented herself as being a representative for XXXX XXXX XXXX XXXX XXXX XXXX, claimed that service could not be restored until a payment of {$5000.00} had been made, both of which were inaccurate, and pressured me into a payment arrangement I could not meet. 

Once I learned that she was not, in fact, calling from XXXX, I resolved the matter with them directly and instructed the company to never call me again. 

On XX/XX/XXXX, an operator from the collector called me at work with falsified Caller ID to make them appear to be calling from New Jersey, not Texas where they are based. Operator refused to identify themselves as debt collectors, instead claiming they had an " important business matter '' to discuss. 

Call came while I was at work, during a busy period, and their call and delays by refusing to identify themselves caused me to miss a deadline at work that day, putting my job in jeopardy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.

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 2024-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not apply to these companies below XXXX - XX/XX/XXXX XXXX XXXX XXXX -Inquiry , XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX -Inquiry, XX/XX/XXXX XXXX XXXX XXXX XXXX -Inquiry XXXX XX/XX/XXXX & XXXX XXXX XXXX -Inquiry XX/XX/XXXX XXXX XXXX  XXXX -Inquiry XX/XX/XXXX XXXX XXXX XXXX -Inquiry Trans Union XX/XX/XXXX & XX/XX/2022 - XXXX XXXX -Inquiry

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