vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I have been attempting to use my funds on an Amex Gift Virtual Card since XX/XX/. The first time I used the card was on XXXX, and the transaction did go through, but shortly afterwards I received a notice on XXXX  that due to security measures I could no longer use the card on the app. Since then, I have tried to make purchases with the card on XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and numerous online retailers. Each time I try to use the card, the transaction either immediately doesn't go through, or I receive notice that the funds could not be accessed and the card was declined. I've spent numerous hours on the phone with Amex 's card service representatives to try and get the issue resolved. 

I've asked if they could send me a physical card, if they could provide me a list of businesses the card does not work for ( or a list that card does work for ), if they could give me a name or Zipcode that I can utilize for purchases with the pre-paid e-giftcard The representatives have stated that they can not help any further and that I just have to " keep trying the card at different businesses until it works. '' The card does not work because there isn't sufficient information to surpass security measures utilized by physical and online retailers. I've asked Amex for my money back, but they have declined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-21 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: MO

Complaint narrative:
From : XXXX XXXX to Trans Union 1. XXXX XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX  # XXXX 4. XXXX XXXX XXXX  # XXXX ( this just appeared, thus account was never reporting on my Trans Union prior to XX/XX/. Please remove and delete. 
I have formally requested the removal of the following information from my report : In XXXX, a XXXX XXXX card was opened under my name without authorization. I promptly contacted XXXX XXXX, requesting closure of the account due to its non-affiliation with me. Additionally, XXXX, identified as a collection agency for XXXX XXXX, does not represent any legitimate account of mine. Notably, both XXXX and XXXX have already expunged this information from my credit report and restricted XXXX XXXX 's access to my profile. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX ATTACHMENTS

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 2023-11-22 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: NJ

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. 
It is also my understanding that Under the FCRA 15 U.S.C. 5 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately 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 2023-11-21 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: GA

Complaint narrative:
Experian continue to add a fraudulent account on 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 explanation
Consumer complaint received 2023-11-21 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: MA

Complaint narrative:
I am writing to dispute the presence of some hard inquiries on my credit report as listed below. These inquiries were made without my knowledge or consent, and I request their immediate removal from my credit file. 

Inquiry Details : -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX -Equifax -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ACIMA CREDIT, LLC
State: DC

Complaint narrative:
I am writing to file a formal complaint against Acima, a Lender that has recently been involved in violations related to my credit file. I believe that Acima has failed to comply with fair debt collection practices, specifically in the handling of subsequent sale to another lender without providing me with written notice. 

The first issue pertains to the lack of proper notification concerning the charge-off of a debt held by Acima and its subsequent transfer to another creditor. Despite the debt being charged off and sold to another lender, I did not receive any written communication from Acima notifying me of the charge-off or the transfer of the debt. This failure to provide clear and timely notification infringes upon the requirements outlined in the FDCPA. 

Furthermore, there appears to be a discrepancy regarding the reporting of the charged-off debt. Despite Acima having sold the debt to another Lender, they continue to report the debt. This raises concerns about inaccurate reporting and the potential for double-counting the debt, which not only affects my credit profile but also violates fair reporting practices. 

I believe these actions by Acima represent violations of the Fair Debt Collection Practices Act, specifically Section 1692e, which mandates clear and accurate communication regarding debt collection and reporting. I have made multiple attempts to resolve these issues directly with Acima but have not received satisfactory responses or resolutions. 

Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly. I would appreciate your assistance in ensuring that Acima complies with the laws governing fair debt collection practices and reporting standards. Additionally, I kindly ask for guidance on how to proceed and seek proper redress for these violations. 

Enclosed, please find copies of relevant documentation supporting my claims, including any correspondence with Acima regarding this matter. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 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: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Dear Experian : To ensure that your company is reporting account 100 % accurately, I would like to know the procedures used to investigate this inaccurate collection account. Did you even conduct an investigation because it is still not reporting 100 % correctly? 
1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX SC XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SC XXXX 4. CHARGE OFF ACCOUNT CAN NOT XXXX XXXX XXXX XXXXXXXX, XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. Code 1643 ( b ) Burden of proof Liability of holder of credit card XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. CHARGE OFF ACCOUNT CAN NOT CARRY BALANCE XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. Account was closed XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. Chargeoff can not report balance XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
10. Chargeoff can not report balance XXXX Account Number : XXXX Please remove it from my credit report. 
Its sad that your company would ignore the FTC guidelines in regard to your investigation efforts. I wonder if other consumers are being affected by your lack of investigation. I would like to know to whom you talked with at the collectors office when you started your investigation? Also, please send me their complete address. In addition, please do not send your template letter on how you conduct an investigation. I want details on how you did this. 
30 days should be enough time to get back with me. 
Sincerely, 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 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Notification send by email and postal mail from XXXX XXXX at Chase, The notification informed me that they are moving our mortgage from First Republic Bank to JP Morgan Chase on XX/XX/XXXX. The letter clearly stated that we would have no access from XXXX XXXX through XX/XX/XXXX. 

I checked our accounts after XXXX XXXX as instructed and found the following errors. 

- Closing balance of my mortgage with First Republic Bank increased without explanation. 
- I could not locate a statement with First Republic Bank. All statements with First Republic Bank have disappeared and are no longer available online. 
- The new mortgage account with Chase has a different opening balance than what was recorded as the closing balance with First Republic Bank. 
- the new mortgage account with Chase has no statements available. 

On XX/XX/XXXX, due to these errors I asked that XXXX XXXX be informed of this situation and to confirm with me that he had been contacted and that he was aware of the issue. I have not been contacted by Chase since my initial call on XX/XX/XXXX. 

I called back on XX/XX/XXXX and Chase does not have any updated information, no answers and no confirmation that XXXX XXXX has been informed. No one at Chase can explain the change in the balance of my mortgage and I can not locate my mortgage statements to track the changing balance of the loan. 

It is now XX/XX/XXXX and Chase is still unable to provide answers or the information requested. 

The case # for my initial call on XX/XX/XXXX is # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: GA

Complaint narrative:
Ive Sent Letters and made calls to each credit reporting Agency and none gave me full relief. Ive gotten hung up on numerous of times & I want justice.

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 2023-11-21 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: GA

Complaint narrative:
Ive Sent Letters and made calls to each credit reporting Agency and none gave me full relief. Ive gotten hung up on numerous of times & I want justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I REACHED OUT EVERY XXXX  DAYS TO THE FOLLOWING DEBT COLLECTOR FOR THEIR SUPPORTING DOCUMENTS TO PROVE THIS INDEED WAS A DEBT THAT BELONGED TO ME. NO COOPERATION. 
EASTERN ACCOUNT SYSTEM XXXX XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting Act the list of accounts has violated my Federally protected consumer rights to privacy and confidentiality under the 15 USC 1681 XXXX XXXX account # XXXX XXXX account XXXX XXXX XXXX XXXX  # XXXX has violated my rights 15 USC 1681 Section 602 A states I have the rights to privacy. 
15 USC 1681 Section 604 A Section 2 it all states a consumer reporting can not Furnish accounts without my written instructions 15 USC 1666B A creditor may not treat a payment on a credit card account under an Open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX of XXXX, I disputed XXXX bankruptcy accounts shown on my credit file. I requested the bureau to provide the name of the person/persons or company and documents provided to verify any and all information associated with the alleged bankruptcy shown on my credit file and credit report. The bureau only responded stating the information was verified and updated. The verification the bureau states to have received is FRAUD. I contacted the Bankruptcy court asking if they report or speak to credit reporting agencies. They responded and I am attaching their response to this complaint.

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 2023-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is absurd because I have consistently made timely payments on this account and have never been overdue. Please adjust my account to reflect this accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: ALLY FINANCIAL INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, to purchase a XXXX XXXX XXXX XXXX XXXX VIN : XXXX Using printouts of applicable State and Federal laws, I explained to the salesperson and the finance rep ( likely an employee of XXXX XXXX per banks ' paperwork ) that due to the process of securitization, I would submit one application only, and that they only had power of attorney / permissible purpose for one inquiry to Ally Bank because I had already been in contact with their underwriting. The dealership proceeded to breach fiduciary duty and violate state and federal law by submitting my application a total of seven ( 7 ) times to two separate institutions ( Ally XXXX and XXXX XXXX XXXX ), and also provided me with an adverse action letter for in-house financing, making eight ( 8 ) total deposits. Ally Bank received six ( 6 ) of those deposits, as evidenced by their own correspondence ( attached ). 

The dealership violated their fiduciary obligations and exceeded their powers, which resulted in the deposit of eight securities with principal values near {$34000.00} apiece. I was not able to view any of these applications after submittal despite requesting them. 

The Federal Reserve Act, which helped establish our current banking system, requires that all applications be approved as long as it's been accompanied by some sort of collateral. In this instance, the " promise to pay '' contained within each application acted as a negotiable instrument and was deposited at the financial institutions in a receivables account per 12 USC 1441 ( g ) ( 2 ). Since none of these applications were returned to me, and since ARS 47-3202 allows for the negotiation of such fraudulent instruments, I assume these deposits were credited. 

As is obvious, the truck was titled in my name before being pledged as collateral within the security agreements. Due to the misdeeds by the dealership and finance rep, I was unable to perfect my security interests and therefore was forced to relinquish the property. 

I returned to the dealership XX/XX/XXXX because the dealership agreed to return the applications, but all I received was the photocopies of my supporting documents. As mentioned earlier, I still have not received my original instruments nor the property.

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 2023-11-21 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: GA

Complaint narrative:
XXXX continue to add a fraudulent account on 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 2023-11-21 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:
XXXX continue to add a fraudulent account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/2023 I sent a letter in regards to inaccurate and unknown things on my credit report. To this day over 45 days later I have yet to receive a response. I feel Im being ignored and taken advantage of. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days is reason to immediately remove those items from my credit report it has been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress youve caused me. My information was also impacted by the XXXX data breach and may have landed in the wrong hands.

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 2023-11-21 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: MS

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. 


XXXX XXXX XXXX # XXXX, has violated my rights.

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 an 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: ME

Complaint narrative:
My payments are due on the XXXX of the month. I went online to make the payment today and it was XXXX. The bank that is handling the store credit card does not allow payments to be credited on today 's date or even allow you to make a payment after XXXX. I did not realize this and therefore will be charged a late fee and interest. I feel this is nefarious and misleading behavior by a credit card company/bank.

Company response to consumer: Closed with monetary relief