vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-07 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: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-10-07 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Over a year i had ask for a validation report from the company never received any. I send another letter date XXXX of XX/XX/year> and yet again no response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: AL

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 non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On the morning of XX/XX/year>, I noticed that American Express had significantly reduced the credit limits on two of my accounts without prior notice or explanation.

The credit limit on my first account was reduced from {$5000.00} to {$1000.00}. This account had a XXXX balance at the time of the reduction. 
On my second account, the credit limit was reduced from {$2000.00} to {$1000.00}. This account also had a XXXX balance at the time. 
These changes were unexpected and unjustified, as I have consistently maintained good standing with both accounts. As a result of the credit limit reductions, my credit utilization ratio increased, which negatively impacted my credit score.

I have not taken any actions that would justify these reductions, and I am requesting that American Express restore the original credit limits and take steps to correct the impact on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase fraudulent charged me {$30.00} on XX/XX/2024 for a stop payment fee but the company continues to charge me fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-07 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: IL

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The fraud alert was placed on my credit file due to a past incident of identity theft, but the situation has been resolved, and I no longer require the alert. As such, I kindly ask for your assistance in removing the fraud alert promptly to ensure that my credit transactions proceed smoothly without unnecessary disruptions. Thank you for your attention to this matter.

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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
EVERY MORNING, UPON SEEING THESE FRAUD ACCOUNTS MAKE ME STRESS, I WANT THESE TO BE TAKEN OFF FROM MY REPORT IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Texas XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Fraudulent Account and Past Due Balance To : XXXX XXXX XXXX Experian XXXX I am writing to formally dispute a past due payment of {$530.00} associated with a XXXX XXXX XXXX XXXX  account, which was reportedly opened on XX/XX/XXXX, and closed on XX/XX/XXXX. My name is XXXX XXXX, and I have received multiple letters regarding this debt. However, I have no recollection of ever opening this account, and I strongly believe it was created fraudulently as a result of identity theft. 

Since I did not authorize the opening of this account, I am requesting an immediate investigation and appropriate resolution. I have already filed a report with XXXX and am in the process of submitting an additional report with the Consumer Financial Protection Bureau ( CFPB ). 

Please confirm in writing that you have received this dispute and provide any

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 2024-10-07 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: IL

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in 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 2024-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: IN

Complaint narrative:
My name is XXXX XXXX, This is a request in the validation of claims that negatively affect my credit report. I am not aware of any amount owed to your company on my behalf. So in accordance with 15 US code 1692 G I am requesting the ALL of the following.

I would like to see the original contract between me and the original creditor with my wet signature. 

I would like a full and detailed payment history on this account Is there any claim of insurance on this debt? 

And lastly I want to see the chain of title that you have to collect on assumed debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: Exeter Finance, LLC.
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA XXXX entitled to XXXX dollars per violation and clearly, they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I have XXXX vehicle accounts with ALLY, XXXX on a XXXX XXXX XXXX and XXXX on a XXXX XXXX - XXXX where I receive bills on both including in XXXX envelope on a monthly basis. In the past I would send on XXXX cashier 's check or money with the sum combined into XXXX to make payments on both vehicles. This frequently resulted in ALLY 's staff placing the total payment on XXXX vehicle 's account ; then making it appear as if I was not making a payment on both vehicles. To " try '' to resolve this issue I then started sending XXXX separate cashiers ' checks or money orders, XXXX for each vehicle, when making my payments. This apparently has not resolved the issue as the aforementioned mistake as it occurred again as recent as XX/XX/XXXX and again for last month payment ; and resulting in a mistake for this months payment where I have been sent a bill stating I owe XXXX payments on my XXXX XXXX ( Acct # : XXXX ) in addition to a late charge fee and I owe XXXX on my XXXX XXXX XXXX ( Acct # : XXXX ). I called ALLY 's Customer Service telephone number ( XXXX ) only to be provided erroneous information which is the reason I am contacting the CFPB for assistance as I view this as fraud on the part of ALLY. Note, that I have proof of all of the transactions, to include : copies of ALLY 's bills and copies of the cashier 's checks/money orders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made/initiated. It is the result of identity theft. 


" XXXX XXXX '' XXXX {$320.00} " XXXX XXXX '' XXXX # XXXX {$1800.00}

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 2024-10-07 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Exeter Finance, LLC.
State: MO

Complaint narrative:
During the week of XX/XX/XXXX I called Exeter Finance to have my title mailed to me. They told me that they mailed it to the address on file in XXXX, but I no longer lived there. They told me a lie that I only updated my mailing address a week after they sent the title. However, I have email evidence between myself and an agent of their company, XXXX XXXX, where we discuss that I'm asking for an out-of-state title transfer and I provide my current ( at the time ) address. This email was more than a year before they claim I updated my address. The company has sent me a lien release, but they refuse to cover the cost of replacing the title, which they have an obligation to provide me. After speaking with other agents of their company, they stated they would refuse to cover the cost of replacing the title.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally notify you that I am a victim of identity theft. My credit report currently contains several fraudulent accounts and inquiries that I did not authorize, and I am seeking your assistance to have these items removed from my credit report immediately. 

To support my claim, I have enclosed the following documentation : My Identity Theft Report filed with the Federal Trade Commission ( FTC ) A copy of my driver 's license and Proof of my current address for identity verification In accordance with the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that the credit reporting agencies block and remove the following fraudulent accounts and inquiries. These items should be removed from my credit file within the required four-day period after receiving this complaint, as mandated under FCRA 605B, 615 ( f ), and 623 ( a ) ( 6 ), as well as XXXX  provisions protecting consumers from identity theft : XXXX XXXX XXXX Account XXXX : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Remove from my credit report XXXX XXXX XXXX  Account Number : XXXX-XXXX  XXXX XXXX : Remove from my credit report XXXX XXXX  XXXX ( Validate Account ) Account XXXX XXXX XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX XXXX XXXX XXXX Remove from my credit report XXXX  XXXX ( Validate Account ) Account Number : XXXX Action Requested XXXX Remove from my credit report XXXX  XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX ( Validate Account ) Account Number : XXXX Action Requested : Remove from my credit report XXXX XXXX I am invoking FCRA 611 ( a ) to request a full reinvestigation of these accounts. Any account or inquiry that can not be validated must be promptly deleted from my credit report. Furthermore, in compliance with XXXX, I expect the credit reporting agencies to take all necessary steps to ensure my credit file is updated and free of inaccurate or fraudulent information. 

Once these corrections have been made, I request an updated copy of my credit report be provided to me free of charge, as required under FCRA and XXXX. 

I appreciate your prompt attention to this matter and look forward to receiving confirmation of these actions and my updated credit report. 

Thank you for your assistance. 

Kind regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Credit Acceptance, LLC
State: MS

Complaint narrative:
its showing on my credit report that they have charged my account off every month this year even on the months I have submitted payment. That is a violation of my rights you can only do XXXX charge off. I want this off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-07 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:
Recently checking my credit report I noticed that l 've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that l 've found : XXXX XXXX XXXX XXXX XX/XX/year> Please remove these fraudulent inquiries from my credit report. 
I also attached my identity theft report as well.

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 2024-10-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/year> I placed a order for XXXX items XXXX. XXXX XXXX XXXX XXXX XXXX for {$1300.00} and XXXX. Hansgrohe sink faucet for {$100.00}. The following day I received a email that the orders were declined. I called Citi Bank to ask why me card was declined. The Citi Bank lady told me she cancelled the order and to put it through XXXX again. She assured me this wouldn't causes a duplicate order. 

I received a duplicate order email from XXXX for both the sink and faucet. I was told by XXXX to return the duplicate orders. I returned XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX sent me a email acknowledging they received both on XX/XX/year>. I have a cancelled check to Citi Bank that I have paid for the other XXXX XXXX XXXX XXXX XXXX and XXXX sink faucet. 

XXXX claims they are not being paid by Citi Bank and has stopped me from ordering until this is corrected. I have been back and fort every day with XXXX and Citi Bank trying to get this corrected to no avail. I have spoken to XXXX, XXXX XXXX, and XXXX at Citi, XXXX, XXXX, XXXX, XXXX, from operations, XXXX, XXXX, from the XXXX XXXX XXXX XXXX. Sometimes on a conference call with both the bank XXXX Citi. Everyday I given a different answer as to why this is happening and am told another XXXX business days to fix this issue. 

XXXX has the returned items. Citi has my money. And I'm getting the run around. I want to do business with XXXX but I can not do so until the bank XXXX XXXX straighten out their book keeping problems. I am concerned for My credit rating while this is going on. 


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 monetary relief