vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: IL

Complaint narrative:
Add too much interest and not the core amount and sold to 3rd party without my consent

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 2024-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I went to a local Macys store where the cashier asked me if Im interested in receiving a discount on the day of my purchase and I said yes. However, I was not notified that this was a credit card application and she would therefore be running my credit. I called after I received the card and Macys asked me to pay the balance which I did because I was not aware that you are not supposed to pay the balance when disputing which was also misleading as I had originally expressed that this was opened without consent of running my credit. Now I am disputing the card on my credit report with the 3 bureaus and they are not removing this off of my account. They are marking it consumer request closed. According to my credit report, you can clearly see I dont have any retail store credit cards and I would never want them.

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 2024-06-19 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: FL

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-06-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite my previous 4 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They stated in their responses to my 4 dispute letters that they have verified that the items listed are accurate but they failed to send me copies of the documents that they used to verify these accounts as per my request. The fact that they have ignored my request to send me copies of the documents that they used to verify the disputed accounts is evidence that they can not and did not verify any of the disputed accounts like they said they did. Their failure to delete the disputed accounts that they can not verify after two written requests is also evidence of their willful disregard of Federal Law.

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 2024-06-19 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: NJ

Complaint narrative:
I have provided all XXXX pieces of information and expect these listed accounts to be deleted and blocked within XXXX business days of your receipt of this notice ; otherwise, you are in violation of my rights under the FCRA once again! If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receiving this notice per 15 USC 1681c-2, as is my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows for damages of {$1000.00} should this matter be brought to court. 15 U.S. Code 1681n ( a ) ( 1 ) ( A ) essentially states that if a person willfully violates any requirement of the FCRA with respect to a consumer, they are liable to that consumer for any actual damages suffered as a result. If actual damages can not be determined, the consumer can still receive statutory damages ranging from {$100.00} to {$1000.00}. This provision ensures that consumers are protected and have recourse if their rights under the FCRA are willfully violated.

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 2024-06-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem using the card to withdraw money from an ATM
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
At first card not received. XXXX resent but with withdrawals already made. Funds nearly depleted.

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 2024-06-19 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: SC

Complaint narrative:
There is a XXXX  XXXX credit card showing on my credit report as of today XX/XX/year> and wasnt reported by XXXX  XXXX as they do not have any accounts that are reporting to my reported because of the restriction that was resolved by them through the fraud department over a year ago and they have not reported anything since. The credit card can not be validated because there is no credit card number coming up under my information. XXXX lied and stated that XXXX XXXX reported it to my bureau when investigated they had not. So XXXX made a false credit card account and attached it to my credit report to lower my credit score. That is a direct violation of the FCRA and owes consumer mandatory fine of {$1000.00}.

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 2024-06-19 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: SC

Complaint narrative:
There is a XXXX  XXXX credit card showing on my credit report as of today XX/XX/2024 and wasnt reported by XXXX  XXXX as they do not have any accounts that are reporting to my reported because of the restriction that was resolved by them through the fraud department over a year ago and they have not reported anything since. The credit card can not be validated because there is no credit card number coming up under my information. XXXX lied and stated that XXXX XXXX reported it to my bureau when investigated they had not. So XXXX made a false credit card account and attached it to my credit report to lower my credit score. That is a direct violation of the FCRA and owes consumer mandatory fine of {$1000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
There is a XXXX  XXXX credit card showing on my credit report as of today XX/XX/year> and wasnt reported by XXXX  XXXX as they do not have any accounts that are reporting to my reported because of the restriction that was resolved by them through the fraud department over a year ago and they have not reported anything since. The credit card can not be validated because there is no credit card number coming up under my information. Experian lied and stated that XXXX XXXX reported it to my bureau when investigated they had not. So Experian made a false credit card account and attached it to my credit report to lower my credit score. That is a direct violation of the FCRA and owes consumer mandatory fine of {$1000.00}.

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 explanation
Consumer complaint received 2024-06-19 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:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I have been in repayment on my grad loans, which are on XXXX, since XX/XX/year>. It is now 25 years later and I am eligible for discharge. 

But there is no action on that front. 

I have already paid the XX/XX/XXXX payment in an attempt to trigger discharge. That failed. Now I need action to get the servicer and Education Department to recognize that I have fulfilled the obligation.

Currently, Aidvantage s
hows some of my loans are due to be repaid until XXXX. This is a multibillion dollar portfolio they are handling, and I can't imagine that if it were reversed, they would be good with a blatant declaration that another party was breaching the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year> I received some text messages about a Costco XXXX Card that asked if I opened one, I responded no to that. I later received some messages ostensibly from Bestbuy about a Best Buy card I don't own. I originally thought it was a phishing attempt so reported it and didn't respond. 
On XX/XX/year> I got a Credit Report and noticed three Credit Cards that I did not apply for myself : 1. A Citibank ( CBNA ) Costco Card : {$1300.00} 2. A Citibank ( CBNA ) Best Buy Card : {$4300.00} 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$96.00} ( prices are the balance when credit report was checked ) It seems that someone has applied for these cards under my old name, XXXX XXXX. I'm XXXX  and legally changed my name to XXXX XXXX a few years ago. 

I've filed a report for each card and both banks and the Costco and XXXX cards were removed from my credit report, but the Citibank Best buy department refused to do the same despite them acknowledging that the Costco card was fraud. 

I never had any of these cards, someone else has applied for them under my ( old ) name and I have no idea who might have done this, whoever it is seems to have access to my social security number, an old address, my previous name, and my current phone number. I suspect maybe this was leaked from the recenXXXX XXXX XXXX XXXX XXXX  as I was a customer with them at that old address. 

I've spoken to Citibank Bestbuy fraud department I believe four or five times now and each time I contact them they tell me they've closed the case and said it wasn't fraud and then they reopen the case while I'm on the call. The only information they have requested is a copy of my driver 's license which I faxed to them but despite that they closed the case again. I've sent them the police report number ( XXXX XXXX POLICE DEPARTMENT XXXX REPORT # XXXX ) and copies of my email correspondence with the detective on the case. I have also reported the identity theft to the FTC ( reference number XXXX ) and placed a security/fraud hold on my credit. 

I've also requested from a supervisor that they contact me before closing the case if they need more information and they said they would but they haven't and they've still closed the case without taking any action. 

Despite all this, and the fact that the card was opened under a name that isn't even my legal name now or at the time the cards were opened, the card is still on my credit report and the past due amount has been consistently lowering my score and causing issues.

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 monetary relief
Consumer complaint received 2024-06-19 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:
recently i looked at copy of my credit report and noticed several inaccurate in my account. this account is hurting my ability to obtain credit. I don't have any contract with this company and a don't know it. it is my undertstanding that you will investigate these items for me to ensure accurate : transunion : XXXX / NUMBER ACCOUNT : XXXX DATE : XX/XX/2024 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 2024-06-19 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: FL

Complaint narrative:
My account with ( 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 in ( MONTHS REPORTING LATE ) to 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.

( 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
I cosigned for a vehicle lease for someone else. The account became delinquent and I was never notified by the company. When I found out, I contacted the company and I paid the full balance of {$1300.00} on XX/XX/XXXX. In XX/XX/XXXX, the company reported a charge off after I had paid the full balance. This was malicious and creates a false and unfair depiction of me. I have no other late payments on my credit reports yet I have been paying higher rates for an excessively long time ( 6 years ) because of something that was not my fault.

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 2024-06-19 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: NE

Complaint narrative:
Unauthorized inquiries appear 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 non-monetary relief
Consumer complaint received 2024-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
In XX/XX/year>, I received a solicitation to open a card with Chase. I was approved but card was never received. I contacted Chase and they closed that account and opened another. I never received the card for that new account nor any account information. I received a reminder to activate the card ( even though I never received it ) and called Chase. They would not help me unless I provided my social security number ( even though their website said they would never ask for my SSN ). I had no account number or any information other than my social security number and an email that I needed to activate. I refused to provide my social so they would not help me. Then I received an email thanking me for activating the card -- I never activated the card since I never received it. I finally received an email that my account needed attention and THAT email had an account number. I took the email to my local Chase office in XXXX XXXX, MD. The representative told me that the account was charged off, that charges had been made, and that a fraud investigator would contact me. Nobody has contacted me and this account is still looming.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: MI

Complaint narrative:
EQUIFAX is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries and I demand that they be removed off my credit profile. I know that only 100 % information can be reported on my credit profile and that any inaccurate Information must be removed. These inquires has caused me to be denied credit and has caused me great financial harm because I can't obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. The inquiries listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. REMOVE NOW 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 explanation
Consumer complaint received 2024-06-19 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: PR

Complaint narrative:
Since XX/XX/2023, I have been asking transunion credit for a dispute over some accounts, dispute after dispute and as of today, they do not validate the account as mine and they do not delete the account, violating the fair credit law.

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 2024-06-19 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: NV

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX RE : Reinvestigation of Profile Upon Investigation of my consumer report with TransUnion Ive come across inaccurate information. In Accordance with the Fair Credit Reporting Act the list below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Personal Information : 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 This list of accounts has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 604 A section 2. Also states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681 C. ( a. ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C 1681 3-2 ( 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. 

Upon reinvestigating and finding of fact please remove and all accounts listed above immediately Thank You, 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