vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my second complaint with CFPB over Experian, and I am not pleased with how XXXX XXXX XXXX XXXX XXXX Experian fed you gobbly goo about how I may have responded to a magazine offer or something which may have put me on a list. Let me be really clear now. I methodically removed myself from ALL pre-screened magazine, insurance, and other spam-a-lot baloney. I opt out of everything. I canceled every single thing. I have asked Experian on at least 10 occasions to never email me again, and yet since the time I have filed my response to my last complaint -- which you closed -- until now -- under a week -- Experian has sent me TWO MORE EMAILS that are the same type. " [ NAME ], Check your credit and see it ... '' or " This account is no longer reporting to ... '' These emails, which come to me and that Experian has been asked to STOP SENDING, are not because of a magazine, insurance, or anyone else ; they are due to Experian thinking it needn't follow consumer laws. This will stop. This complaint is now being copied and pasted to the Texas AG, the FTC, and local media, as well as anyone who will listen. 

I can not fathom why it is so difficult for a mega-corporation, who profits off consumer data, to remove a single email address and stop harassing a consumer. The worse part? If I want to get any information from Experian, I will never feel safe doing so again ; they have violated all business safety boundaries. This is not okay. 

I am attaching the latest, but I usually delete them -- I actually thought the complaint to CFPB was going to put an end to this. There were two in the past 5 days. This one was today.

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 2024-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST HORIZON BANK
State: TX

Complaint narrative:
On XX/XX/year>XXXX  following an online banking advertisement, I came to First Horizon Bank situated at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas to open a new checking account which promised me to a {$450.00} cash bonus after meeting the bank advertisement requirements. After meeting all bank requirements on the direct deposit and utilizing the bank debit card or 3 consecutive months, I did not see the cash bonus of {$450.00} in my checking account, on XX/XX/year>XXXX  I wrote the bank inquiring about the expected {$450.00} cash bonus which should have shown up in my checking account. However, time after time the banker refused to honor their marketing cash bonus promotion claiming unreasonable excuses. On XX/XX/year>XXXX  I met with the local branch manager ; XXXX XXXX about this incentive cash issue. XXXX then alleged the requirements were not met as she had switched the account statements cycles. I pointed to XXXX the bank errors. I said a full statement cycle supposed to be 30 days because the date of the account opened was on the last day of the month, XX/XX/year>. XXXX did not resolve the issue and continued to deny the critical facts what constitutes a full statement cycle. Thereafter, a case number # XXXX was created by XXXX XXXX, a special rep who handled this issue. Another 3 months passed and time after time First Horizon Bank continued to dishonor their marketing promise. That gives me no other choice but file this complaint against them for unfairly banking practices and their deception towards the consumer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I got a letter in the mail on XXXX it was a plaintiffs post-judgement discovery request to defendant. I called the county from where the case was brought up against me they told me that the default judgement was from XX/XX/year>. I was never served or contacted and now they are threatening to garnish my wages and freeze my bank account and all assets. They want XXXX dollars the original debt was XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and that the following accounts on my credit report are fraudulent. As per the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 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: SC

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and that the following accounts on my credit report are fraudulent. As per the guidelines of 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be blocked and deleted from my credit file. 
Accounts to be Blocked and Deleted : 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
Consumer complaint received 2024-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: CA

Complaint narrative:
My car was declared a total loss on XX/XX/XXXX due to an accident, and I promptly contacted the insurance company, which accepted the total loss claim and paid the amount to Westlake Financial. Since Westlake 's interest rates are high, the value of the car was enough to pay {$15000.00} of the outstanding balance of {$25000.00}. However, Westlake should have used the gap insurance to pay the remaining amount. The problem is that they are deducting {$2000.00} for tow/storage fees that have already been paid by XXXX XXXX . I am attaching the XXXX XXXX claim statement to prove this. Additionally, they are charging me for missed payments of {$1800.00}, even though the gap insurance is supposed to cover the remaining balance. In other words, they are now charging me almost {$4000.00} unfairly. I am tired of calling, sending emails, and they still haven't resolved this. I am close to taking legal action. 

How can they charge me for tow/storage when the insurance company has already paid for it?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I dont know what happened. Ive received two phone calls. One was today, XX/XX/year>. Its a legal office claiming that I have to go to court and I am being sued for a chase credit card debt. I have never had a chase credit card. They knew my name, my birthdate, And the last four of my social security number. When I told them I have never had a chase credit card, I was told get off the phone you XXXX  XXXX! I called the number back and it says its illegal office, but it does not say which one. The phone number came up as potential spam and is as follows : XXXX. I checked my credit report and there is no outstanding debt for a Chase card. Like I said, I have never had one.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-11-19 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: MD

Complaint narrative:
I urge you to promptly remove this late payment from my account, as it does not accurately reflect my payment history. I have consistently made timely payments, and it is unacceptable to have this erroneous entry listed. Please update my account promptly.

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 2024-11-19 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: TX

Complaint narrative:
I'm a victim of identity theft, whoever stole my identity opened fraudulent accounts in my name and the accounts are reporting negatively on my credit report. Here are some of the fraudulent inquire 's and accounts ... .I also attached supporting documents. In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you are obligated to verify these items with the relevant creditor. Any information that the creditor can not validate should be promptly deleted. I am aware that as per 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. Please provide an updated copy of my credit report to the address provided above. As per the act, no fee should be charged for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past six months of any corrections made. Thank you for your attention and assistance in 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 non-monetary relief
Consumer complaint received 2024-11-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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 2024-11-19 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: MD

Complaint narrative:
These inquiries are not relevant to me, and I did not give authorization for them. I request their immediate removal from 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 2024-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Earlier in XXXX, my account with XXXX XXXX XXXX XXXX XXXX became overdue because the credit card on file had been lost. I was never notified. In any case the small amount due ( roughly {$200.00} ) has been paid to XXXX. 

I have contacted Caine & Weiner numerous times and they send me to voice mail. I explain on the XXXX mail that this account has been paid in full but nobody ever calls me back. 

Instead, Caine and Weber continually violate the FDCPA act by relentlessly sending me notifications to my email address and my private telephone. 

I want this to stop immediately. Caine and Weber can easily find out from XXXX that this account is paid in full. Instead, they continue to abuse and pester me. 

I also want to confirm that Caine and Weber has not submitted any erroneous, derogatory remarks on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: TX

Complaint narrative:
As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Collection/Charge Off XXXX XXXX XXXX XXXX  {$9200.00} Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$28000.00} Inquiries : 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 2024-11-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During a review of my credit, I noticed multiple unauthorized inquires. I had not authorized any of the listed companies to conduct inquires on my behalf. There are multiple inquires on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-19 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: NV

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported o be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Old financial institution sold loan new company failed to take payments from account set up to pay mortgage. I didn't realize this for approximately two months. Sent them information on account to take payment somehow they say it was wrong account. They said now that I was three months in the rears sent them three months payments to make it right. They applied my payments to principal and not payments to make my account right. Now they say that I am behind one payment can't seem to make them understand that the money that they have taken out of our account should bring account update.

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 2024-11-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Northbrook and Associates
State: LA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX  I received a voicemail from a Private Number stating that she is XXXX XXXX with Same Day Processing Server and that I was going to be served regarding a debt case number XXXX and I should call XXXX. Before I could call them I received the message from my job that she had called and left there as well. I called that number and they identified as Northbrook and Associates and I had a call with XXXX XXXXXXXX XXXX XXXX XXXX lead The call with my full name and the last XXXX of my social security number and that I had received information at my address. The call was going ok but very ambiguous throughout. For instance : XXXX stated that I had a debt with XXXXXXXX XXXX which was the parent company but that he didn't know which creditor, the attorney had that information. He stated that a judgement had been filed and they were working on a recovery order. He stated that He knows I have credit cards and listed nearly all of my credit cards and that they were going to put a freeze action on these cards. He said that my balance owed was {$15000.00}. So I said ok is there anything else? XXXX then asked what I was going to do about it and that it didn't seem like I cared about the debt. I told him I care about the debt, but I do not have cash to settle the debt and it was my understanding that they couldn't settle debt with credit. He said that he could apply for a special program that would allow me to use credit cards to settle the debt. That started my suspicions and I attempted to take some control of the call. I asked him what the original balance was and he said {$7200.00}. I then asked him what year the debt was from because I now had recalled a similar unpleasant call earlier this year trying to collect decades old debt. He got angry and told me that there is not statute on fraud. I told him that he was going in the wrong direction with this call now and that I merely asked for the year the debt was incurred. He said he had to get with the attorney for that information. So I asked him what courthouse the judgement was filed at and he got loud and angry and was talking over me. I only kept repeating that I would like the year of the debt or the courthouse the judgement was filed at and near the end he said he could give me any of that information he wanted but he no longer wanted to because I was being uncooperative. He closed with he was feeling sorry for me but now that I was not cooperating he is not going to help me at all and that I can just go to court. This call ended very much like the call earlier this year. I figured this is an old debt collection scam and in lieu of just accepting that it happened. I wanted to let you guys know.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: V and H Portfolio
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to address discrepancies found on my credit report, specifically concerning the provisions outlined in 15 USC code 6802, 15 USC 1681b , and 18 U.S. Code 1028A. 
According to the Fair Credit Reporting Act ( FCRA ) Section 605B, it is imperative that all information reported on my credit profile be accurate and lawfully obtained. Under 15 USC code 1681b, there are strict guidelines regarding the dissemination of consumer credit information, ensuring that it is handled responsibly and with due diligence. 
Upon reviewing my credit report, I have identified inaccuracies that violate the aforementioned regulations. As per my rights under the FCRA, I request the immediate removal of this erroneous information from my credit report. 
Furthermore, in accordance with the doctrine of estoppel by silence, as established in XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I must emphasize that no proof of the alleged debt has been provided. Hence, it is reasonable to conclude that such debt does not exist. 
I kindly request your prompt attention to this matter and the necessary actions to rectify the inaccuracies on my credit report. Please provide confirmation once the corrections have been made. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation