vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I am on my fourth lease with Toyota credit. At the start of each lease, I have signed up for autopay to be deducted from my checking account. When you initially enroll in autopay, the autopay amount is defaulted to your payment due amount. 

In XXXXXXXX XXXX XXXX, my local area changed sales tax rates, and my payment increased by a few dollars a month. TFS did not notify me, and continued to bill my account at the original payment amount. They did not adjust my autopay. 

In XXXX I was alerted by my credit report that my account was over 30 days past due. I did not understand as my account was being debited every month. When I called, I was told that unless you call and set up autopay, the amount deducted will not match your payment due. The representative stated that it was a known issue which causes many problems but the company would not do anything about it. I went back to the autopay sign up site, and this information is not disclosed anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One Auto Finance is in clear violation of this section of the law 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) ; for unlawfully obtaining my Experian Consumer Report on ( XX/XX/2022 ) without a copy of my written authorization or permissible purpose under the Fair Credit Reporting Act and its guidelines while also violating 1681g ( a ) ( 5 ). It has been more than 60 days since Capital One Auto Finance has been notified of their violation and they have not providing me a copy of my written authorization I gave them or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened my new checking account in the CITI Bank on XX/XX/2023. I was trying to make a deposit, but it was not working. And then, I was trying to reset my password when my CITI online banking login was not working and contact customer service. They said my phone number was not working. They wanted me to get letter from them. On XX/XX/XXXX, I got the letter, and told them reference number, then they told me my account was closed out and they ended relationship with me. They didnt tell me reasons. I just made deposit for a few times, right now my money was locked into my bank account and I couldnt get them out.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian is reporting inaccurate and outdated information on my consumer credit report. 
I have made multiple attempts to have these accounts removed because they have not been properly validated pursuant to the Fair Credit Reporting Act. Experian has willfully and knowingly reported this inaccurate and outdated information on my credit report including someone else 's social security number. The negligence of Experian has put me at risk of identity theft and financial harm. These actions are also defamation of my character. If this final attempt fails I will pursue legal action representing myself pro-se in federal court and formally request a jury trial.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion, and XXXX. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter out on XX/XX/XXXX to XXXX, XXXX, and Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation back. This is not making any sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

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 explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am hereby requesting the deletion and removal of the listed accounts and associated information from my consumer report. It has come to my attention that these accounts should not have been reported, and their presence on my report constitutes a direct violation of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I insist that these accounts and information be promptly deleted from my consumer report to rectify the violation of these laws. Immediate action is required to ensure compliance with the FDCPA and FCRA. Please remove these accounts and associated information without any delay.

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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
In accordance with Fair Credit Reporting Act, Upstart has violated my rights under 15 USC 1681 Section 602 which states I have the right to privacy.

My rights were also violated under 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1668b states a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I wrote numerous letters on these following dates to resolve this issue, on XX/XX/2022, XX/XX/2022. They responded past 30 days and have never sent me proof that this account belongs to me. I sent documents a proof of incarceration letter to show them that it wasnt 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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I rented a car in XXXX with the understanding that collision insurance was a benefit. I verified this with XXXX at XXXX used the credit card to pay for rental. 

Unfortunately, when I notified collision benefit, at XXXX on XX/XX/23 that the car was damaged and I was billed {$2200.00}, they insisted that I have no collision benefits. 

I again called visa at XXXX and they again insist that I do have coverage. Spoke with XXXX a supervisor. 

XXXX is responsible for this XXXX bill whether I have coverage or not. Telling customers they have benefits when they do not is False Advertising and even Fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I got a copy of my credit report and noticed some accounts and inquiries that i did not authorize. I contacted the company 's and was told the documentation required to remove the unauthorized items and they are attached. I would like the issue taken care of immediately as i am trying to start a new job thats these issues are making more difficult than it should be.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to ask that my case XXXX ; be re-opened. There was a breach of contract and I want the banks to assist me with this. I would really appreciate your help and if you could look at my evidence. Again there was a breach of contract and I want to see if we can re-open the case. I was never issued ANY provisional credit and I would like for a thorough investigation to be done to see that there is a breach that has taken place on the documentation I have provided. There were four charges in this case. I am actually asking for one charge ( ( {$1300.00} ) to be added to the existing three charges on this case ( {$1400.00} on XXXX, {$3200.00} on XX/XX/XXXX, and {$200.00} on XXXX ). All charges are from XXXX XXXX and the last one on XXXX was from XXXX XXXX. I am asking that the charge of {$1300.00} made on XX/XX/XXXX be added to the three charges already on case XXXX. Again this company ( XXXX XXXX XXXX XXXX XXXX XXXX ) has committed a breach of contract and are willing to move forward with dispute process.

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 2023-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2023 I filed a dispute with Bank of America in the amount of {$400.00} for a charge that I made with my Bank of America debit card ( ending in XXXX ) to a merchant ( XXXX XXXX ) for goods and services that have not been delivered or performed. I have followed the guidelines provided by the Consumer Financial Protection Bureau, Federal Trade Commission and the State of Georgia Attorney General 's office of Consumer Affairs in their guidelines to attempt to recoup the {$400.00} paid to the merchant which includes : 1. a failed attempted negotiation with the merchant for recoup of funds or delivery of the goods ; 2. disputing the {$400.00} transaction with my bank , Bank of America . However, as of the date of this complaint I have ye
t to receive a satisfactory result which would be Bank of America supporting my dispute and restoring the {$400.00} funds to my account. I am disappointed and dismayed at the lack of action on the part of Bank of America in support of me as their consumer, especially in light of the deceptive consumer practices recently attributed to Bank of America. I would think that BoA would want to restore the trust of consumers rather than further eroding that trust. I am respectfully requesting that the {$400.00} be restored to me, forthwith. I have provided and proven to Bank of America that the merchant failed to satisfy the terms for this transaction. In addition, BoA has placed the burden of proof on me as their customer, when instead it should have been the merchant providing proof of the satisfaction and delivery of these goods and services that I paid for, which the merchant can not, and will not, be able to show. If the {$400.00} is not restored to my Bank of America account, I will be withdrawing the remainder of my funds and taking my banking business elsewhere.

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 2023-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I got an email with the XXXX XXXX logo saying a new credit card will be shipped. soon I got a credit card ( they had my address ) the new credit card looked like XXXX XXXX credit card, and I needed to call a phone number to activate my new card, I called and was asked for my zip code and SS, which sadly I provided and the card never worked. I keep getting emails and mail addressed to my house from XXXX XXXX XXXX XXXX XXXX, SD 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 2023-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I was a victim of a scam for a fake job offer. I provide cleaning services and was contacted and given an offer by a potential " client '' who pretended to be a realtor agent for a well-known Broker Agency. On XX/XX/23, I was sent a contract via XXXX to be signed and sent back. According to the contract, I needed to send a surety deposit payment IRS pre tax through a secure XXXX channel in order to confirm my account as legitimate for payment transfer for the services. The contract also stated this surety deposit amount was going to be refunded back to me within 2 hours following the surety process confirmation. I sent the payment, but my refund was not provided within the advised time frame. On XX/XX/23, I contacted my financial institution to report this possible scam and stop payment. I was advised the claims department was closed due to XXXX of XXXX holiday and asked me to call back the next business day. On XX/XX/23, Iat XXXX, I contacted my financial institution and was told they couldn't stop payment because the transaction was already done and the money had already been transferred via XXXX . Same day, I placed a claim for fraud/scam. I also contacted the actual broker agency who confirmed this was indeed a scam. I walked into one of Chase branch near my area to cancel my account as it was compromised and re opened a new one. I was advised a temporary refund was being placed until the investigation was finalized. A few days after, the claim was denied stating I approved/sent the money myself and the temporary refund was taken back. I opened a new claim, spoke to a manager explaining the money was sent for a job offer that resulted to be not real but a scam. I was advised a courtesy recovery may be potentially be honored under the specific circumstances specially because the person who received the money also has an account with Chase. The money was indeed transferred from Chase to Chase via XXXX. I was advised the last day for review would be XX/XX/23. Today, XX/XX/23, I contacted Chase and was advised there is nothing they can do. Even if the scammer has a chase account, they can't recover the funds and therefore my claim was once again denied. They would not even escalate it and was told to contact XXXX. No notification was received about their decision, if it wasn't because I called to find out, I would have never known. Up to this day, this scammer keeps harassing me via phone. Keeps calling with different area codes numbers. I reported the issue to IC3, DCA AND FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There are accounts listed on my consumer report that have originated from identity theft. I did not provide written authorization, including a wet signature, for these accounts to be included in my consumer report. I have recently communicated with your organization regarding this matter and I am hereby requesting that these accounts be promptly blocked and removed from my report. The inclusion of these unauthorized items has caused significant emotional and financial distress, as they inaccurately reflect my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action. The presence of these fraudulent items on my credit record has hindered my ability to achieve my financial goals, such as purchasing a home and meeting the needs of 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 2023-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Someone tried to get 19 credit cards in my name

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-28 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
More inquires that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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