vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 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: MI

Complaint narrative:
I am reaching out to seek assistance in addressing and reporting inaccurate accounts to my report. Despite diligent efforts, I have been unable to ascertain its origin or relevance.

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 2024-07-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> XXXX unauthorized, fraudulant transactions were made at XXXX using my Chase debit card number. The transaction amounts were for {$200.00}, {$200.00}, and {$220.00} and the transactions occurred in person at XXXX separate locations in XXXX, NY, XXXX XXXX, FL, and XXXX XXXX, MD ( supporting documentation is attached. ) I contacted Chase immediately on XX/XX/XXXX to report the fraud and file a claim. My card was closed and I was issued a new one. XXXX days later I received a letter from Chase stating that their investigation found that the transactions were authorized. I called the claims department to ask for next steps and I was told there's nothing they could do and to call XXXX. I called each location and they verified the transactions were made in store but could not issue a refund because I did not have a receipt. I have no receipt because I did not make the purchases. 

It is impossible for me to make these purchases because I live in XXXX, CA. Along with my documentation of the unauthorized charges I've included a photo of an authorized charge made on the same day with my debit card at the grocery store XXXX  in XXXX, CA where I live. I hope this is sufficient to show that I could not have been in NY, MD, and FL making purchases in the store on the same day while I was also in California. These charges overdraft my account and I am incurring overdraft fees as a result, which Chase will not refund because they have closed the fraud claim and deemed the charges as authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XXXX of 2024 Citibank increased my interest rate from 13 % to 24 %. 
I have thoroughly enjoyed my XXXX years with Citibank and my payment record has never been late and XXXX  credit score according to the Citibank tracker is good. 

Respectfully, I feel the sudden interest jump from 13 % to 24 % is in accordance with a punitive rise in interest ( i.e. missed payment etc ). 

I called customer service and customer retention to resolve the issue but as pleasant as they were in handling the case, they said there was nothing they could do.

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 2024-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-07-26 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: AZ

Complaint narrative:
Log in Sign up rewrite this and be very assertive using consumer law and state that their are not doing their job by removing things that were inquiried fraudulent should be removed off the credit report : Good evening, My name is XXXX XXXX and I am filing this complaint because this is the third time that I filed my claim when my identity was stolen and no action has been taken. Credit bureau has not REMOVED ANY OF THE INQUIRIES I LISTED IN MY DISPUTE LETTER THAT ALSO HAS A SWORN FEDERAL TRADE COMMISION AFFIDAVIT. 
EXPERIAN IS NOT DOING THERE JOB AND REMOVING THIS FRAUDULENT INQUIRIES. 


- XXXX XXXX - XXXX 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 At this point I feel like my rights as a consumer are being violated. I am the victim in this situation and I can not even get the proper help or response from the companies who oversee credit reporting. If no further action will be taken, I will pursue legal action XXXX Subject : Urgent : Immediate Action Required on Fraudulent Inquiries Good evening, My name is XXXX XXXX, and I am compelled to file this formal complaint regarding the persistent failure of Experian to address fraudulent inquiries on my credit report. This is the third time I have submitted a claim concerning identity theft, and despite providing a sworn Federal Trade Commission affidavit, Experian has failed to remove the fraudulent inquiries as required by law. 

The specific inquiries in question are : XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian is not fulfilling its legal obligation under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of the information on my credit report. Your continued inaction constitutes a clear violation of consumer rights and negligence in your duties. 

As a victim of identity theft, I am entitled to have these fraudulent inquiries removed immediately. If Experian does not take prompt and effective action to resolve this matter, I will be forced to pursue legal remedies to enforce my rights. 

I expect a swift resolution to this issue and confirmation of the removal of the aforementioned fraudulent inquiries. Failure to respond adequately will leave me no choice but to escalate this matter further.

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 2024-07-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Credit acceptance pretty much double charged me financing on a XXXX XXXXXXXX XXXX! The actual car was between XXXX, I have a financed auto loan of XXXX! We have a huge problem here! I have a problem with keeping up with my auto loan because this way too much of a monthly payment! Ive been behind on my vehicle for so many months wondering why its became why APR IS ALSO SUPER HIGH! I called credit acceptance for refinancing but turns out it will take even longer to pay off! MONEY WAS STOLEN FROM ME! Theres no way that Im over charged XXXX when I have a statement this vehicle was between XXXX! That was is ABSURD.

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 2024-07-26 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: TX

Complaint narrative:
I have previously disputed with XXXX, XXXX and Equifax regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My accounts 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 to be removed/updated.

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. 

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!

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 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
My accounts 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 to be removed/updated. 

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. 

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!

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 2024-07-26 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:
" I reviewed my consumer report and informed your agency on XXXX XXXX about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the Metro 2 reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

I hereby express my profound disappointment and concern regarding the infringement upon my rights. I have meticulously outlined the various issues pertaining to your reporting in the accompanying document. Regrettably, it appears that the aforementioned document is both inadequate and fails to meet the standards that I deem acceptable. I would like to remind you that in accordance with the law, it is imperative that you duly certify all aspects of the required FCRA/Metro 2 compliance, ensuring that such certification is executed truthfully, correctly ( in a timely fashion ), and comprehensively and accurately. Failure to adhere to these obligations may necessitate my escalation of these matters to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my respective Attorney General.

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 2024-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: E. Margriet Langenberg, P.C.
State: VA

Complaint narrative:
XXXX XXXX XXXX is a collections attorney used by my Homeowner 's Association. XX/XX/XXXX I received a summons to court for non payment of HOA fees. My savings account had a garnishment placed illegally due to the funds in the account being from my military XXXX benefits. The garnishment on my savings account is causing me to miss important payments, dropping my credit score, causing a financial burden and emotional distress. The attorney has been in contact with my ex husband to resolve the debt. When he did not follow through with the payment arrangement, a garnishment was placed only on my accounts due to him being active duty. As a veteran, I receive VA XXXX payments. The money that is in the account being held for garnishment is a portion of this payment. This has been communicated to the attorney. She requested that I provide documentation of this and I did so on XX/XX/XXXX. She has since stopped communication with me. My ex husband has since paid the full amount that was requested per the summons in the amount of {$2300.00} which included legal fees. She emailed an acknowledgment of payment and stated that she was moving forward with removing that garnishment on XXXX, XXXX. As of today, XXXX XXXX she has not removed the garnishment and has requested an additional {$1300.00} in legal fees before she releases the garnishment. None of the fees she's requesting has anything to do with the HOA and the initial reason for the garnishment. I have contacted again today XX/XX/XXXX, my HOA explaining the situation and they say that they can not help me. The longer that I dont have access to my money the further behind I am on bills. I am getting by using credit cards to feed my children. I believe that my rights under the XXXX XXXX XXXX  XXXX are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-26 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: AL

Complaint narrative:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I noticed my credit score has been continuously decreasing every month since the beginning of this year. I checked my credit report today and noticed there are 6 late payments with XXXX XXXX. I have never heard of it or opened an account with XXXX XXXX. I called XXXX XXXX, and they confirmed someone opened an account and card under my name and social security number. XXXX XXXX confirmed there is a balance of {$11000.00}. However, they informed me that bank account was blocked and canceled by someone in XXXX. That someone, was also not me. The balance was never paid as I was never aware of this account since I did not open it. The the unpaid balance on this account as a result of identity theft has now significantly affected my credit score.

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