vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 2024-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
The vehicle I had previous to this XXXX got totaled by a company XXXX  truck on the interstate going XXXX miles an hour that I survived, but they salvaged the XXXX because it would cost more to repair it than it was worth, and the XXXX left us in a place where we had no more vehicle. They were not going to do anything financially to help us to the situation that their client caused, and it was forced us into Multiple multiple vehicle loan applications until finally, this one was accepted at four times the cost of the value of the vehicle. We were taking advantage of, I had to flea abuse from that person, my future ex-husband, so Im in Texas and hes in Iowa, I am trying to Figure out how to get help on this matter alone and separate myself from him as he approved me taking the vehicle. But I can not afford to pay the amount of money, refinance with my credit that is in the XXXX because the divorce, and sustain life while trying to get alimony andattorneys fees paid by the man I was depended on for two years while being XXXX. So very tough situation and I need help from someone that can make a difference!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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:
I recently review a copy of my credit report and noticed I had fraudulent account on my report. Please removed this account from my report, they are hurting my ability obtain credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
XXXX XXXX XXXX, XXXX. for Citibank , N.A . 
XXXX XXXX XXXX, XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # ending : XXXX Filed a lawsuit without sending a demand letter, validation notice or debt validation letter not allowing me to get verification of the debt. Violating my ( FDCPA ) rights. 

Filed a lawsuit on XX/XX/year>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 2024-10-19 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: NATIONAL DEBT RELIEF LLC
State: NY

Complaint narrative:
National Debt Relief promised to help me settle debts with creditors. However they did not live up to their promise and just continuously took money monthly from my account to which the creditors only got {$200.00}. Ive attached the statements I received and now I face severe financial crisis. I want my money returned

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
I was attempting to make a purchase of {$3000.00} but was being prevented from doing so, even though I had {$3200.00} in my account at the time.

Their in-app chat customer service agent told me that I was trying to purchase from a suspicious merchant. This was odd to me, considering that they had already done their due diligence by reaching out to me at the time of the initial attempt to confirm that the transaction was legitimate.

I took them at their word and waited a few hours before retrying as suggested. Upon retrying, the transaction still failed so I contacted their customer service department via phone. This time, I was given a completely different excuse. The customer service agent said that I was attempting to make a purchase which exceeded my daily limit. This prompted me to inquire about my daily limit, which the agent told me was {$2000.00}. I found this SHOCKING
. Ally 's own FAQ section has a question and answer that reads as follows : " Question : Will my Ally debit card have limits?

Answer : Yes. During the first 30 days, you can use your debit card to make up to {$2000.00} in purchases and {$1000.00} in ATM withdrawals per day. After 30 days, your daily spending limit will be {$5000.00}, and {$1000.00} for an ATM withdrawal. If you have special circumstances and know you'll exceed this amount, call us
in advance at XXXX to set up a one-time, extended limit. '' I have been an Ally customer for well in excess of the 30-day timeframe mentioned in the excerpt above. I brought this up to the customer service agent who then placed me on hold while he allegedly " tried to solve the issue ''. In hindsight, I believe that his intention was for me to grow impatient and hang up the phone.

The agent later came back on the phone and expressed that he reviewed my information with his supervisor and realized that my daily spending limit is actually {$5000.00}.

I persistently remained on the line, only to be told at the end of this hour-long phone call that I was not able to use the funds in my account to make the purchase that I was trying to make, but I should wait for " a while '' before retrying again.

The agent returned with yet another alternate explanation. " It wasn't Ally 's fault that the transaction is being blocked. It is XXXX. They have identified security risks with the merchant. '' At the time of making this complaint, I am still on hold, waiting to be connected to the aforementioned agent 's supervisor.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I called target credit in XXXX about my redcard. I paid off the balance of the card and was advised that a replacement card was on the way. I called XXXX again XXXX XX/XX/year> at XXXX. I was advised by a person claiming to be a Supervisor that my account was still on a payment plan despite the account having a XXXX balance. I advised him to look at my account again because it can not have a payment plan without a balance due. He stated there was nothing he could do. I was also advised that the card would take 7-10 business days. I told him I had already waited several weeks and I should not have to wait another 7-10 days for a card. This " Supervisor '' then hung up on me. I called back at XXXX XXXX and spoke to a XXXX XXXX She advised that she was told by the payment plan department that the payment plan would remain in place until XXXX and there was nothing that could be done. Even though there are not payments to be made and she could not have another card issued to me. I requested some sort of email confirmation of this and she refused. She stated she would attempt to request a card but could not guarantee it would work and I would have to call back to see it if worked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Im a long time BoA consumer and appalled by their recent handling of my auto loan application as they completely false advertised their loan rates and deceived me into applying for their loan. On XX/XX/year>2024 I was researching rates for an auto loan and BoA presented me with an offer for an APR of 5.09 %. This rate was presented to me on my logged in BoA portal ( i.e., they knew who I was based on my existing accounts and my 40 year history as their consumer ). Based on this advertisement, I applied for the loan and allowed BoA to run my credit report, which of course negatively impacts my credit score. After being quickly approved, they presented me with my approved loan rate of 5.99 %, 90 basis points higher than they quoted. I called BoA and expressed my frustration. The agent I spoke with said, of course, different variables impact the rate. As we walked through each variable ( e.g., I have excellent credit which BoA just ran and confirmed, I was getting a Gold tier relationship benefit, etc, ) he acknowledged that hes not sure why I didnt get the advertised 5.09 % it was a complete bait and switch scenario. Based on BoAs shady practice, Ive been harmed with a lower credit score and a much higher rate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: NJ

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : 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 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 XXXXXX/XX/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 2024-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: TX

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX Late Payment : XXXX MTG XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX AUTO XXXX  XX/XX/XXXX XXXX XXXX EMPLOYEES XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Personal Information : Also Known XXXX XXXX XXXX XXXX Also Known XXXX XXXX XXXX XXXX Also Known As XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX, Employers : XXXX Previous Address ( XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: FL

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be 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 2024-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I applied for a secured XXXX credit card from Capital One NA. 

They approved me and asked for 3 months of bank statements, 3 months of paystubs, Front and back pictures of my drivers license, Utility bill dated within the last 30 days and a Picture of my social security card.

After two weeks of no updates I called customer service and they said that the account was closed and they could not tell me why. The agent asked then asked if there was anything else they could help me with?.. I said I need the {$200.00} deposit I gave the same day of approval refunded back to me. 
She could not give me my deposit and couldnt give me an explanation of what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Blitt and Gaines, P.C.
State: MO

Complaint narrative:
Bitt and Gaines, P.C. for XXXX XXXX XXXXXXXX XXXX, account number ending : XXXX, wasn't supposed to pursue a lawsuit because they did not properly validate the debt by providing the requested information, which is a violation of my ( FDCPA ) rights. I requested by fax validation of debt on XX/XX/XXXX. 

Request production of documents through the court on XX/XX/XXXX, and the judge requested an additional 30 days on XX/XX/XXXX. Blitt and Gaines told the court that paperwork was sent on XX/XX/XXXX. I still have not received their documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
RE Account Numbers- XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, XXXX, and Trans Union immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-19 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: TX

Complaint narrative:
RE Account Numbers- XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party. 

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request. 

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated third parties such as XXXX, Equifax, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation. 

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved

Company response to consumer: Closed with non-monetary relief