vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: KY

Complaint narrative:
We opened a GM Financial Lease in XXXX and the vehicle was totaled. GM Financial reported a {$40.00} fee as a late payment in XX/XX/XXXX dropping mine and my wifes credit scores from over a 800 to XXXX. We discussed the issue with GM Financial and they did correct the bureau that we have never had a late payment and told us this was a error internally. The {$40.00} was never outstanding. My bureau is still showing late remarks on that account which us keeping my score at XXXX currently. We are currently purchasing a home and this is keeping us from getting the interest rates we deserve. I have a copy of my credit bureau showing the late remarks that was pulled in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
On XX/XX/XXXX and again on XX/XX/XXXX I sent a certified letter to LVNV FUNDING LLC. In response to a notice I received from them stating that I owe XXXX and XXXX. I wrote them asking that they send me in writing a validation of debt letter containing the following : 1 : money they say I owe.

2 : How was that amount determined 3 : Provide copies of all signed agreements from me and creditor bearing my personal signature stating that I agreed to pay such amounts.

4 : Provide me with proof that the statute of limitations has not expired.

5 : show proof that they are licensed to collect in my state with their license number 6. A valid, legible copy of the agreement stating the debt and interest charges.

They failed to comply with my request by sending me a verification of debt letter and also a letter to falsely claim that I was a victim of identity theft. They not only failed to comply with my requests but also violated my rights under the FDCPA and FCRA ( reference code ) ( 15 USC 1692g Sec. 809 ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2024-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
This is my direct deposit account ( payroll ) in 5/3 Bank. I have been charged 7 times overdraft fees of {$37.00} each, they took out from my account {$250.00} ( from XXXX to XXXXXXXX XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the XXXX, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Date : XX/XX/XXXX at XXXX EST Disagreement with Citi Credit Card XXXX findings that this did not impact my credit On XX/XX/XXXX Citi in a letter reviewed my account and my credit limit was systematically increased from {$9800.00} to XXXX. A {$3700.00} increase in credit limit. 
In review of my account, Citi increase my credit limit which had to be in good standing for Citi to increase my credit limit. ( I personally did not request an increase in credit limit ). 

On XX/XX/XXXX Citi decreased my credit limit from {$13000.00} to {$8300.00} a XXXX decrees from my original credit limit at {$9800.00} I had in the last XXXX years. 

With a total of {$5100.00} minus credit which made my balances with only Citi Bank closer to my limits because Citi lowered my credit limit {$1400.00} lower than my Credit limit I had for the last 10 years. 

In your letter, you state that you couldn't determine how reporting this account will affect my credit score it depends on actions taken by other creditors and valuables outside of cities control. 

This was in control of Citi Bank in your letter, you stated XXXX showed high credit balances ok. It also SHOWS EXCEPTIONAL PAYMENT HISTORY. 
Nothing negative or derogatory on any of my credit reports, You stated in your letter that my payments were low on XXXX of more accounts which is not true. Citi increased my limit I have an exceptional payment record with you, so what could had possibly happen in XXXX months to justify the lowering my credit below what I previously had and removing the increase credit limit. 
In your letter, it states our understanding that you do not wish to have the credit limit review for reinstatement, so therefore no further actions was taken. 
I stated to correct this problem you have to put my credit back, and the only way to do that was to put my credit limit back to where it was {$9800.00}. You do not have anything negative on any credit reports for you to remove the credit limit on lower it? I stand by my credit, history and payment history for the last 10 years or more so what happened? It can not be the way I pay my creditors, including Citi that is exceptional. 
Please Revised I hope this can be resolved as soon as possible, and no further action is necessary My original question what happened? Why did this occur if I have an exceptional payment history with you and other creditors. FYI my credits Reports have been frozen lock in the last 14 years I will have to call each agency to release the Freeze on my credits reports. In this case, I did not release any Credit report Freezes 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 explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: NV

Complaint narrative:
No. XXXX. The matter is reported to the authorities. United States Department of Education, get these perjurious panhandling frauds out of my inboxes. XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: NC

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2024-02-09 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: CA

Complaint narrative:
I just obtained a copy of my credit reports and it shows unverified and fraudulent account that violates the FDCPA. Please see the attached copy of my dispute letters that were recently sent to the bureaus.

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 2024-02-09 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: IL

Complaint narrative:
I strongly request you to address and rectify the unauthorized accounts on my credit report. These entries, which I have no connection to, are adversely impacting my credit standing. Kindly ensure their swift removal and take measures to prevent such errors in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
In XXXX of 2023 I ordered some clothing to take with me on my XXXX. I ordered off a site called XXXX XXXX. Once I opened the package I realized all the items were not there, I immediately emailed the store, and I never got a response. I tried to file a claim with affirm and never got a response. I did not feel it was okay to have customers pay for products they did not receive and then ignore their efforts to reach you. Recently affirm placed a late payment on my credit report which was devasting because I take pride and paying my bills and on time, so I have reached out to them several times about this matter and finally on XX/XX/XXXX I was told I needed to reach out to the company they could not help me because it was over the time period they allow to file disputes. So, the fact that I have been ignored does not matter or the fact that i have spoken to affirm representatives multiple times. I feel defeated because I am getting ignored by one company and the other ( affirm ) won't help. My credit is affected by this and it is truly disappointing. I recently set up a payment plan to get the balance paid off just so i can try to savage my credit and not let it go to collections, but this is very disturbing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was targeted for the {$900.00} Chase bonus- {$300.00} for checking, {$200.00} for savings, and an extra {$400.00} for opening both & meeting requirements. As part of the savings account bonus, I had to deposit {$15000.00} into the savings and keep it there for 90 days. 

I opened my checking & savings account on XX/XX/XXXX. I was paid the {$300.00} checking account bonus portion on XX/XX/XXXX ; however, it is now XX/XX/XXXX and I have still yet to be paid the additional {$600.00}. The {$15000.00} was transferred into the Chase checking on XX/XX/XXXX and moved to the savings account on XX/XX/XXXX. The {$15000.00} has not been moved or touched since then. 

I have contacted Chase XXXX to resolve this issue. I first contacted them on XX/XX/XXXX and was told theyd get back to me by XXXX XXXX. I called today and the issue is still an open case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-09 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-09 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX # XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/2022 XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions

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 2024-02-09 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:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX, # XXXX XXXX XXXX  XXXX, # 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 a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-09 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: CL Holdings LLC
State: MA

Complaint narrative:
I sent a certified letter to all the credit bureaus, which is XXXX, XXXX, and XXXX. I also sent a certified letter to Jefferson Capitol System as this is not my account. I sent all my certified letters to all involved parties, it to the but it has not been deleted per the FCRA Consumer Rights and they have got the documents within 30 day period and like I stated to them in my letter which I will attach, if they do not have valid verification that this debt is mines then it needs to be removed off immediately my credit report per my consumer rights under the FCRA ( federal credit report act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: IL

Complaint narrative:
From what I understand, FCRA 605B says wrong accounts should be taken off credit reports. Please check the accounts in the documents. They're reported wrong on my credit report. I'm upset and feeling sick about it. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Portfolio Services, Inc.
State: IL

Complaint narrative:
Filed Disputes : XXXX, XXXX, XXXX - Telephonic Disputes, Written Disputes - Electronic Disputes Inaccurate Balance / Inaccurate Late Payments XXXX XXXX not given authority to submit any personal information regarding any history without my consent. 

15 USC 6802

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: VA

Complaint narrative:
I was issued an American Express gift card as a refund for shipping damages. I bought a large toolbox for my husband and purchased shipping protection through XXXX XXXX XXXX to guarantee that it arrived safely and undamaged. The toolbox arrived in bad shape and XXXX sent me a refund in the form of a virtual American Express gift card in the amount of {$1000.00}. The card was issued on XX/XX/year>. I used the card on various online purchases throughout the next several months for a total of {$490.00}. This was frustrating enough as the AMEX gift card would not work with commonly used online shopping places such as XXXX and XXXX. Then in the beginning of XXXX I checked my gift card balance and experienced great shock when I saw the balance was now {$0.00}. I checked the transaction history and there were 7 different transactions at a website called XXXX that were not me. The total money stolen from me is {$560.00}. I promptly called the number on the back of the card ( XXXX ) and was given the run around. AMEX will not refund me any money for the stolen/fraudulent transactions. I have called at least 8 times in the last few months and am given the same couple options : contact the vendor which is impossible since XXXX has no contact info and XXXX says they do not handle this kind of problem. AMEX customer service also keeps making promises of escalating the case and calling me back within 24-48 hours which they have never done. They did send me an email that says they have denied the case because they say I must have let another person have access to my card- which I have not done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-09 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Opened a dispute with Wells Fargo issued Visa credit card as below : Dispute Number : XXXX Date Posted : XX/XX/2024 Merchant Name : XXXX # XXXX Amount of Transaction : XXXX Card Number : XXXX Status : Dispute Initiated WF closed this dispute without due diligence of following up with the merchant ( XXXX ). 
WF did not look at the dispute until I contacted customer service.

They did not provide a temporary credit at any point of time.

In the conversation with the customer rep, they told me that I do not have any proof, inspite of sending them all the receipts.

They closed my dispute overnight without any follow up with the merchant about the overcharged amount.I extended the rental online and did not get a receipt for the amount which is different from the final amount that I was charged.I am not disputing the whole amount of XXXX was overcharged by {$82.00}. 

Customer rep insisted that they can not do anything and closed without doing their due diligence.

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