vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I have several credit card accounts with Citibank. Each month I pay all balances in full. In XX/XX/XXXX when I was making my credit card payment due in XXXX on the Citibank web site, I set up autopayment on these credit card accounts. This autopayment was to have the amount due each month automatically taken from my checking account. I was concerned that since I had manually indicated a payment was to be made and then also requested autopayment in the future that I might have my bill paid twice in XXXX. In light of this I visited the Citibank web site on XX/XX/XXXX and saw where the web site indicated I had a manually placed credit card payment of {$5900.00} and an autopayment amount of {$0.00}. To verify that this was how this would actually work, I called Citibank. The representative reviewed the account and indicated that the {$0.00} autopay was correct since the other payment was already in place. I asked if I should cancel the manual payment and was advised that this was not necessary and everything would process as intended -- with my just being charged one time for the account balance. In fact, that is not what happened. On XX/XX/XXXX my payment of {$5900.00} went through and then an autopayment of {$5900.00} was also posted. This resulted in my credit card having a substantial positive balance due to the overpayment. More troubling, my checking account went into an overdraft situation. I called Citibank regarding this problem and they indicated that there was nothing they could do. If someone will pull the recording of my call with the representative from XX/XX/XXXX, they will see that this is what the focus of that call was and that what I was told by the representative was not correct.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
In XX/XX/XXXX, I leased my XXXX XXXX XXXX from Ally Financials and decided to buy out my lease after making XXXX payments. On XX/XX/XXXX, I received my lease buyout loan from XXXX  XXXX XXXX and we ( XXXX  XXXX XXXX, Ally Financials and myself ) were on a conference call together to go over the following steps. At that point, total buy out amount was {$58000.00} and it's good thru XX/XX/XXXX. On the conference call, I told them I would like to make one time payment of {$18000.00} and refinance the remaining {$40000.00}. Ally instructed me to make the one-time payment of $ XXXX via their mobile app and request Lease Buyout Quote/Letter ( " Letter '', which is required by XXXX XXXX XXXX ) the following day . Thus, I made the one-time payment on XX/XX/XXXX and requested the Letter on XX/XX/XXXX. Ally told me that it'd take 24 to 48 hours to receive the Letter. Since XX/XX/XXXX, I've been following up with Ally on the Letter every single day, but Ally kept telling me to wait a bit longer given they are short of staff. They also advise me that once the Letter is available, I can extend the good thru date for longer processing time. On XX/XX/XXXX, XXXX  XXXX XXXX called me to follow up on the Letter and we have another conference call. On the call, Ally told me that total lease buyout amount at this point is increased by over {$700.00} given it's past the good thru date of XX/XX/XXXX. I told them what I've heard from the previous conversations with Ally ( that I can extend the good through date with the same $ XXXX buyout amount as this is due to they couldn't provide the lease buyout letter in a timely manner ). However, the customer representative from Ally told me that there's nothing they can do in this situation. As of right now, they still couldn't provide the Letter and XXXX  XXXX XXXX decided to take their verbal amount to make the loan agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Electronic communications — Frequent or repeated messages
Company: Credit Fresh Holdings Inc
State: SC

Complaint narrative:
CreditFresh XXXX XXXX XXXX, XXXX XXXX, XXXX, DE XXXX, USA Subject : Cease and Desist Notification under Section 1692c of the FDCPA To Whom It May Concern, I am writing to formally request that you immediately cease all communication with me regarding the alleged debt associated with account, as provided under Section 805 ( 15 U.S.C. 1692c ) of the Fair Debt Collection Practices Act ( FDCPA ). 

Section 1692c of the FDCPA clearly prohibits further communication concerning the debt, including any communication through written correspondence, phone calls, emails, or other mediums, as defined by Section 1692a ( 2 ). This includes indirect communications, such as updating or reporting information about the debt on my consumer credit reports. 

Additionally, as this debt is either inaccurate, unverified, or no longer valid, I am requesting that you delete any record of this debt from all consumer reporting agencies to which you have reported it. Failure to do so would be a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). Continuing to report an unverified or disputed debt after this notice can be interpreted as harassment and an unfair practice under federal law. 

I demand that you : 1. Immediately cease all communication with me regarding this alleged debt. 
2. Remove the debt from all consumer credit reporting agencies where you have reported this information. 

You may only contact me to inform me of your intention to either cease collection activities or to pursue specific legal remedies, as permitted under Section 1692c ( c ) of the FDCPA. Failure to comply with this request or the deletion of the debt from my credit report may result in further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and other legal actions to enforce my rights under the FDCPA and FCRA. 

Please confirm your compliance in writing within 30 days of receiving this notice. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability ton obtain credit .It is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking you to verify as accurate XXXX XXXX XXXX account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 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: VA

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-17 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: OH

Complaint narrative:
I reached out to both companies requesting validation and serviced a cease and desist. 
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 2024-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX I made a charge with XXXX and authorized them to make monthly charges on the credit card for their services. When the services were not delivered as promised I discovered that the company fails to provide a mechanism for contacting humans to solve problems, After several attempts to contact someone, I decided to terminate the relationship and cancel the credit card payment. I contacted Chase, the card issuer, and placed a block on the credit card account. I received a confirmation from Chase that the account was blocked. I then went to the vendor 's site and canceled the service. Shortly thereafter I received a notice of a charge to the card from XXXX for the cancellation fee. When I contacted the bank they indicated that a customer card block on an account does not prevent vendors with authorization to make recurring charges from making further charges and the recurring charges can only be stopped by the vendor, not the customer. This is absolutely absurd -- it prevents a consumer from controlling, withdrawing and managing their credit cards and places the consumer in a disadvantageous position since the merchant controls the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
I have been paying my total mortgage to include escrow funds for property insurance since XXXX of XXXX. NewRez did not set my account up correctly within their insurance payment dept. My account on the loan servicing side shows it is escrowed and they have escrowed a portion of my payments for the last 14 months, even did an escrow analysis last month and increased the amount needing to be escrowed. The insurance payment department does not show this is an escrowed account and did not process a payment to my insurance company even though they requested confirmation of insurance policy last month or they were going to take out a lender based policy. My current insurance policy started XX/XX/XXXX, but my insurance company hasnt been paid and they are going to cancel my policy because NewRez is still holding the funds in escrow and is not making the payment because they say they cant confirm my account is escrowed from the loan servicing dept. The first time I was informed the account was set up incorrectly was 4 business days ago and I was told it could be corrected by sending over a request to confirm my account was actually escrowed and payment would be expedited. I called in today and the request still had not been confirmed and they are still holding payment. This is a violation of RESPA to collect and hold funds and not pay the insurance company in a timely manner. NewRez is currently holding {$4200.00} and I am being told today that this cant be cleared up until XX/XX/XXXX, but my insurance will be canceled by then.

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 2024-09-17 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-09-17 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:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-17 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: SC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO

Complaint narrative:
Chex systems has refused to provide access to their online portal. 

Their system keeps sending pins but will not reset a password. There is no way to log into this website. NONE.

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 2024-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

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 2024-09-17 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally express my serious concern regarding the disputed accounts on my credit report. I have raised the issue of inaccuracies in these accounts multiple times and have consistently requested that they be thoroughly investigated. Despite my continued efforts, I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts on my credit report is causing severe damage to my credit profile, negatively impacting my financial health, and significantly affecting my ability to lead a normal life. These inaccuracies have resulted in undue hardship, and I am left with no choice but to once again request your assistance in rectifying this matter as a priority. 

I kindly request that you conduct a detailed investigation into each of the disputed accounts listed on my credit report and take the necessary steps to update and correct the information without further delay. Restoring the accuracy and integrity of my credit report is critical for my financial well-being, and I hope to resolve this issue promptly with your support. 

I sincerely urge you to give this matter your immediate attention and take swift corrective action. Your cooperation in resolving this issue is greatly appreciated, and I look forward to your prompt response. 

Thank you for your understanding and assistance.

Company response to consumer: Closed with explanation