vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: NY

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I had a promotional 12 month XXXX XXXX apr plan with comenity XXXX XXXX. My account being on auto pay I was thinking my payments were going towards my balance. But apparently they were all going to another purchase I made after this purchase. Ive been with them for years, never missed a payment or had any issues with them. I even offered to pay the previous balance in full if they can remove the interest charge as it was an honest mistake. But I guess they dont really care about their customers, theyre seller history with the bank or anything. Im very upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
ON XX/XX/XXXX I was instructed to send XXXX XXXX XXXX  in regards to a property I was purchasing XXXX XXXX XXXX XXXX Florida XXXX. I went to Bank of America XXXX XXXX XXXX XXXX XXXX NY XXXX. I am customer with Bank of America for over 20 years. The funds for {$210000.00} was sent for closing on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Me and my husband arrive on time for the closing my realtor XXXX XXXX from XXXX XXXX was at the closing with other people that he confirm was a part of the team. We did not get the until XXXX XX/XX/XXXX from our realtor he congratulated and leave. About XXXX he called us and said that title company did not receive our wire. I called Bank of America fraud immediately and ask the to stop payment and i was told the funds was still there. I then went to XXXX Police Department to report what had happen. XXXX XXXX XXXX XXXX took our report XX/XX/XXXX Case number XXXX XXXX and was told that a detective would call me. I called and spoke to him and he did not have any information. I went back to NY and i was told to sign the XXXX XXXX Acknowledgment form which I did sign before they could help me. I called almost everyday with no success I then reported my situation to the OCC on which they was investigating and stop. i now ask for them to reopen this case on which they are gave me a new case number XXXX. Please i am begging for your help right now my heart is so broken i do not have a job and very little money my husband heart by passes several please help me. The bank have the information where my money went and they refuse to help me thanks in advance XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: Mercedes Benz Financial Services
State: SC

Complaint narrative:
I purchased a XXXX XXXX  for work, but the job didnt pan out as I only drove the van home and back to the dealership. The van was never officially transferred into my name, so the mileage was just from my house to the dealership. I contacted the bank, XXXX, who informed me that the dealer could potentially dismiss the loan. The dealer 's GM at the time agreed to take the vehicle back if I bought another car from him, assuring me there would be no negative equity carried over. 

I visited the dealership late one night, selected a XXXX  XXXX, and was hurried through the process. I was told everything was handled, but then I was pressured to sign the papers or face consequences for my credit. Unfortunately, they carried over over {$10000.00} from the van, putting the SUV in negative equity. Additionally, it took them three months to process the state paper title. 

I've filed a complaint with Mercedes-Benz USA ( Case Number XXXX ) regarding these issues, and now the SUV is already in the shop for repairs. Ive made a down payment twice, and all I want is a fair resolution. I work hard and believe that the negative equity should be covered. The previous GM is no longer with the dealership, and while the new GM expressed sympathy, he said theres nothing he can do since its already been processed. 

The dealership in question is Mercedes-Benz of XXXX XXXX GA, located at XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Their phone number is XXXX XXXX XXXX XXXX. 

Please help me resolve this situation. If no one can assist, I may have no choice but to default on the loan, as this situation is unjust. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2024-08-05 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: MD

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
This inquiry was not authorized by me, and I did not communicate with this lender on the specified date.

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 2024-08-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I never opened this credit line that turned into a collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. 
This letter is a formal dispute and request for investigation under the Fair credit Reporting Act ( FCRA ), 15 USC et seq.

The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute. 
1. 15 U.S. 1681e ( b ) - accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report.

2. 15 U.S. 1681i - Duty to investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies.

3. 15 U.S. 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my credit worthiness and should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
Paypal is not allowing me to cancel and automatic payment. The process they offer to cancel involves visiting the Merchant site to cancel. I have cancelled on the merchant site several times now, and they are still continuing to charge me and PayPal is not offering a solution to remove the automatic payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-08-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: REGIONS FINANCIAL CORPORATION
State: OK

Complaint narrative:
XXXXXXXX XXXX payment card issued by com data payment solutions. I attempted to make XXXX purchases and get cash back, the XXXX XXXX were successfully XXXX declined because of the additional fees as well they charge a fee for the XXXX XXXX being declined. Finally got a supervisor on the line that just stop responding then just started pressing buttons on phone either trying to get the call to disconnect or me to hang up, she never came back on the phone

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 2024-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I joined a Gym for a few months then called to try to cancel my membership. The woman I spoke to convinced me to put my account on a freeze, instead of cancelling, but did not mention that you can only have you account on freeze for so many months. Fast forward a XXXX6 months, I start getting charged the monthly membership cost again. I called the gym and they said that they told me about the automatic unfreeze on the phone, which did not happen because I would otherwise not sign up for it. XXXX  then sent me to collections where I received numerous phone calls from XXXX XXXX XXXX based out of XXXX XXXX XXXX Utah. I'm not getting contacted by XXXX XXXX XXXX out of Utah which is a law firm with a debt collector agency as a part of it. I spoke with a man named XXXX XXXX there, who informed me they would only take full payment, not partial payment as a settlement, and that if I did not handle the outstanding balance immediately they " may '' report this to the credit agencies which would impact my credit score. 

This feels like malicious and misleading billing practices from XXXX XXXX XXXX ( Colorado location in XXXX XXXX ). I've since been repeatedly harassed by debt collectors for a balance that I feel I shouldn't owe. I'm also having a hard time finding the original agreement that I signed with XXXX XXXX XXXX and it seems that I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: OK

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer 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 explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was sent a fraudulent check and manipulated into sending around {$1100.00}. Before this happened, i was never aware a fake check scam existed. I am a minor and feel like I was targeted. I've been on the phone with Citibank for the past 5 days now. I reported the fraudulent check right after depositing it into my account because I had an unsettling feeling. I don't want to be part of a scam. I sent two XXXX payments of {$500.00} and {$200.00}, and two XXXX payments of {$300.00} and {$100.00}. I have lots of evidence that this was fraud. in one of the pictures, you can see the person trying to scam me again to depositing XXXX & sending XXXX back.

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 2024-08-05 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Despite raising the issue of inaccuracies in these accounts multiple times and consistently requesting thorough investigations, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible.

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being.

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated.

Thank you in advance for your understanding and assistance.

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 2024-08-05 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: PA

Complaint narrative:
Recov assoc capital XXXX bank XXXX XXXX, southern newhampsire XXXX XX/XX/year> credit XXXX bank XXXX XXXX debt of education/neln XXXX XXXX us bank consolidated XXXX XXXX XXXX lutherford XXXX credit XXXX bank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: PA

Complaint narrative:
Recov assoc capital XXXX bank XXXX XXXX, southern newhampsire XXXX XX/XX/year> credit XXXX bank XXXX XXXX debt of education/neln XXXX XXXX us bank consolidated XXXX XXXX XXXX lutherford XXXX credit XXXX bank 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 2024-08-05 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: GA

Complaint narrative:
To whom it may concern, I recently disputed an account on my consumer report that came back on XX/XX/year> UPDATED. 
I am requesting the method a verification that you used for the following account : XXXX  XXXX XXXX Opened Pursuant to 15 U.S.C. 1681i ( 7 ) and FCRA Section 611 ( a ) ( 6 ) and ( 7 ) i have the right to request an explanation of the verification method used As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.

I am NOT asking you to reinvestigate but Im asking for the method of verification. Please provide me with the following information to insure 100 % accuracy.

If you can not provide this information within 15 days please remove this item from my consumer report. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity 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
Consumer complaint received 2024-08-05 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: GA

Complaint narrative:
XXXX and Experian are reporting two XXXX XXXX 4 year old charge offs every month as if the charge offs are new ( see attached pics ). This has caused me to be turned down for a HELOC recently. They are showing up as open on myfico, the data base most companies use. This is a violation of my right to have an accurate credit report under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation