vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the information listed on my account. Specifically, the address associated with a XXXX XXXX is incorrect. The current address on file does not accurately reflect my true residence, which is XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. This inaccuracy violates the provisions outlined in Section 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).

As per Section 1681e ( b ), consumer reporting agencies are required to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' The inclusion of an incorrect address on my account clearly indicates a failure to comply with this mandate, resulting in a breach of my rights under the FCRA.

Due to this violation, I respectfully request that the this account be removed or deleted from your records to prevent any further inaccuracies or issues.

Please confirm in writing that the necessary corrections have been made and that the erroneous information has been removed from my account.

Thank you for your prompt attention to this matter. 

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 1. CITIBANK CITICard XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611. You sent verification as to the account being opened and opened online. I never challenged the account being open. The account was NOT opened by me. Citibank removed and deleted another fraud account opened with Macy 's under CitiBank. I attached the letter from Macy 's Citibank as well. Please send me an updated copy of my credit report after your investigation and removal of this account XXXX : CITI XXXX {$3500.00} XXXX : CITICARDS CBNA XXXX {$3500.00}

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2024-08-19 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: FL

Complaint narrative:
As I checked my profile I realized there were some hard inquiries that did not belong to me.

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 2024-08-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
This Company by the name of XXXX XXXX XXXX XXXX has placed 3 collections on my consumer credit report and I have reached out to the major credit reporting agencies and they are verifing these fraudulent accounts to be accurate and they are not. However, I contacted the Company directly and they are still not trying to hear me out even after I sent documents to plead my case in the matter. 
First account is in the amount of {$1600.00}, opened around XXXX. XXXX ; second account is {$1400.00} and was open on or around the time of XXXX. XXXX and the last account is in the amount of {$580.00} and open date is Also, XXXX. XXXX. Please reach out to them and have this issue fixed asap.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I am writing to formally submit a complaint against GS BANK USA for the following reasons : 1. Inaccurate Reporting : The bank has reported inaccurate information regarding my account to credit reporting agencies. This misinformation has adversely affected my credit score and financial standing. 

2.Misuse of Federal Reserve Loans XXXX I am concerned that GS BANK USA may be abusing loans obtained from the Federal Reserve . It appears that these funds are not being utilized in a manner consistent with ethical banking practices, particularly in relation to my account. 

3.Abuse of Insurance Policy : The bank charged me while collecting on the Insurance policy that was supposed to insure the alleged loan. This practice appears to be an abuse of the Insurance coverage and has resulted in additional Financial burden on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, at XXXX XXXX XXXX, shortly after applying for the Amex XXXX XXXX, I contacted American Express customer service after noticing a more favorable welcome bonus offer for the card. I was initially offered a XXXX-point welcome bonus but requested an adjustment to the XXXXpoint offer I had seen. During the call, a customer service representative verbally confirmed that the adjustment to the XXXX points would be made. My case number with American Express is XXXX. 

Despite this confirmation, multiple follow-up calls to Amex customer service have resulted in my being denied the XXXXpoint bonus. Moreover, I was informed that I am not even eligible for the original XXXX points. This is particularly concerning given that the {$320.00} annual fee for the card has already been charged to my account. I requested a review of the call logs to confirm the offer made on XX/XX/XXXX, but my requests have been met with unhelpful responses, leaving the issue unresolved. 

This situation has caused significant frustration and a loss of trust in American Express. I believe that the companys failure to honor the verbally confirmed offer constitutes a misleading practice. I am seeking the full XXXX bonus that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: VA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: VA

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

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 2024-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: NV

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
I wrote to ELAN financial formally with a notice on XX/XX/XXXX to dispute the validity and equity of the referenced in the recent communication to me referenced through a CRA. I requested that they consider the following lawful precedents and expert testimony in this matter : 1. *Self v Rhay , 61 Wn.2d 261,277 ( 1963 ) * : This case emphasizes the necessity of clear and fair treament in financial obligations and contractual relationships. I believe the terms of my agreement and subsequent dealings have not been conducted in a manner consistent with equitable principles.

2. *Affidavit of Walker Todd* Walker Todd 's affidavit highlights critical concerns regarding the creation and handling of debt instruments. The affidavit underscores the importance of transparency and fairness in credit practices which I believe has been lacking in this case. This notice is inspired by the principles in the case of America Express Co. v Citizens State Bank, where the court emphasized the importance of transparent and honest practices in financial transactions. 

Elan has failed in it's duty to address my concerns and has continued to violate my rights... Therefore, you must Cease and Desist communication until you either provide the proper validation of the debt. Moving foward, anything else will be considered willful misconduct. This includes any continued contact with any credit agency that you are trying report to. Let this be the last and final attempt to remedy 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 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
I get the credit with Santander Consumer USA in XXXX, so I had been paying {$650.00} every month for many years, I pay more than {$50000.00} dollars for this car! 
My car was reposes first time last year XXXX, then I pay the amount for recover the car, I notice that something wrong with the car ; one mat was stolen, the tires were so worn out, very used, that was strange because I bought recently the XXXX new tires in the XXXX the maker company. I realized that the tire that I bought was changed, I reported this to XXXX company, I never received a response! I called to this number to make the report, but they don't do nothing! Then they repose the car again in XX/XX/XXXX, I called them, to request an extension because I was facing financial difficulties loss of job, but they repose the car without letting me the opportunity to negotiate a payment plan. 
Another thing about the reposes was that they keep the car a lot of time about XXXX  months, so they charged me tons of extra $ for keep them my car, they said that I need appointment! Was so hard to communicate with them... so Santander Consumer USA they charged me all this fees $ to my account ; the amount that the repose companies said without investigation. 
Santander Consumer USA is a Fraud Company! They robber people with extra extra fees, they don't send you the statement, and in my online account I never found accuracy information, unclear what they fees are? A lot of irregularities ; I pay {$650.00} every month only for their fees, they put only {$5.00} in the principal and used the rest for their exorbitant fees! And at the end they repose the car anyway! I pay a lot of money, and the car never was my. I feel very disappointed with my first experience with a car loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and delete company information from Equifax. Please delete the following accounts. XXXX XXXX XXXX bal. {$310000.00}, XXXX XXXX XXXX {$4600.00} and XXXX XXXX bal {$7100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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: AZ

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against TransUnion due to their improper handling of an inaccurate account related to XXXX XXXX. Previously, TransUnion deleted this inaccurate account from my credit report and provided me with written verification of the deletion. However, without any prior notice, they subsequently reinserted the inaccurate account on my report, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Specifically, TransUnion has violated FCRA Section 611 ( a ) ( 5 ) ( B ), which requires that if a credit bureau reinserts previously deleted information, they must notify the consumer within five business days of the reinsertion. In this case, I received no such notification.

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 2024-08-19 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: NJ

Complaint narrative:
I sent out a request to this company for this account to be validated. I didnt get a response. 

XXXX XXXX XXXX XXXX Date opened XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-19 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:
I request your assistance with the wrong account thats currently on my credit report. This has caused significant harm to my reputation, and I urgently need your help. The incorrect reporting due to your mismanagement has left me in a vulnerable position, and my reputation has been ruined. You need to fix these issues so I can regain stability with my family.

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 2024-08-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Purchased a vehicle from XXXXXXXX XXXX  in XX/XX/year> with an interest rate of 24 % after being assured that we could lower our rate after 6 months. There have also been mechanical problems with the vehicle. We were recently told that the starter must be replaced. Not including the mechanical issues, the loan company for XXXXXXXX XXXX is Bridgecrest and both companies have referred me to each other when asking about refinancing, renegotiating the term of the loans. Bridgecrest claims that they are only a collections company, they don't deal with any of the loan terms, and refers consumers XXXX XXXXXXXX XXXXXXXX XXXX XXXX now says that any changes would have to go through Bridgecrest, and the only way to finance is through a third party lender. All other lenders that we have reached out to are not able to process the loan because the pay off amount is too excessive for the year make and model of the vehicle in question. The only options provided were to switch to making a monthly payment of XXXX instead of a biweekly payment of {$300.00}. The other option, which they stated they do not recommend, was to surrender the vehicle and impact our credit.

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 2024-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-19 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: EQUIFAX, INC.
State: TX

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief