vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-01 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: VA

Complaint narrative:
I have submitted documentation toExperian which shows the XXXX accounts from last he XXXX XXXX XXXX  were paid. The XXXX XXXX XXXX confirmed they sold the accounts and they have no information to report but that the accounts were sold. I have submitted letters which show proof of payment on both accounts. Experian has not corrected my report they changed from reporting both accounts in bankruptcy to charged off and never late this is preventing me from obtaining a mortgage loan as I have submitted proof of payment to my lender as well as Experian but they are not correcting my report. I reviewed my Consumer Reports and noticed that I had two accounts with the The XXXX XXXX XXXX  and they both were sold and paid to different companies that bought the accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have paid both accounts which were sold to different agencies. I called The XXXX XXXX XXXX  and they said they could not correct the incorrect reporting as they dont own the account anymore. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2023-07-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I paid off my Chase Sapphire credit card, which had held a balance for a period time after a period of financial hardship. My income had increased by $ XXXX, so that was updated as well. 11 days after paying it off, Chase Bank lowered my credit limit by 90 % XXXX XXXX XXXX XXXX XXXX  ), completely negating the effect of paying off the card on my credit score. This seems designed to keep me in a debt trap, as it prevents me from obtaining consolidation loans. It is effectively punishing me for eliminating the interest-carrying balance on the card. 

Chase has refused to reinstate the old balance, and claimed to be unable to escalate me beyond a second tier of account specialist. The factors they listed in the letter they sent were mitigated by my payoff, but it was as if the payoff was in fact the impetus for them to lower the limit. A slightly lowered limit would be understandable, but a 90 % reduction is capricious and punitive. It turns me off entirely from ever doing business with Chase again, as they seem to want to punish consumers for using their credit line or having periods of increased financial burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had a XXXX card Mastercard. I canceled it in person years ago. Apparently they didn't cancel it and the money for auto renew kept being taken from my account and I didn't notice as it was only XXXX a year. The original bank that held the card got bought out by capital one. They activated a new line of credit without my approval. This has damaged my credit as they also charged a new bjs membership and it went deliquent. When we tried to explain and requested they take the deliquent reporting off they said they may do something after 90 days. This puts me in jeopardy of not getting a good loan on a roof replacement caused directly by them when I have no other derogatory remarks on my credit history. It took them over an hour to even accept it might be a fraudulent zombie account. They kept stating it isn't fraud because I agreed to a Mastercard in XXXX. The original card expired in XXXX and I have never seen any other card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sensible Auto Lending, LLC
State: IL

Complaint narrative:
These accounts were fraudulently open in my name I've sent in police report ftc report proof of identification proof of address to the credit bureaus and contacted the creditors and notified them of the identity theft as well I demand these accounts be removed if not already removed from my credit report I do not authorize any third party information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Bank account opened in person at branch in XXXX, FL in XXXX. I ( along with my attorney ) requested that no overdraft service is received because if funds are unavailable, I prefer insufficient funds notifications. 

From XXXX XX/XX/XXXX, I never received overdraft charges because transactions would be rejected as " insufficient funds '' and I would receive a notification. That is correct because that is my way of transaction verification and validation against fraud XX/XX/XXXX, XXXX XX/XX/XXXX ; I was travelling for medical reasons and my card is used for XXXX and other miscellaneous items while travelling. When I returned home, I realized my account was overdrawn by over {$700.00} to include charges and fees, and I never received any insufficient funds notifications. Over half of the overdrawn amount was due to the {$37.00} fees charged for each transaction. 

I contacted the bank, they stated it was " my fault '' for not keeping a ledger. I explained that I do not have overdraft protection, however they still stated the overdrafts were my fault and refuse to acknowledgement they arbitrarily assigned this product to my accunt without my consent because this services requires a customer signature and I never signed anything for this. I requested again to remove and disallow overdraft service. 

A week later, on XX/XX/XXXX, someone used my card and charged {$39.00} to this account and it was overdrawn a second time for the same period. I again called the bank, and I ordered a new card, but then was told I had to pay {$30.00} service fee for deliver. 

Mon. XX/XX/XXXX- Set phone appointments at the bank, they refused to contact me ; I then contacted the branch where the account was created, unable to get anyone to speak to me. Then spoke to a XXXX at XXXX XXXX who told me again, my failt and the bank does not keep ledgers for customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I had a XXXX XXXX XXXXXXXX. I canceled it in person years ago. Apparently they didn't cancel it and the money for auto renew kept being taken from my account and I didn't notice as it was only XXXX a year. The original bank that held the card got bought out by XXXX  XXXX. They activated a new line of credit without my approval. This has damaged my credit as they also charged a new bjs membership and it went deliquent. When we tried to explain and requested they take the deliquent reporting off they said they may do something after 90 days. This puts me in jeopardy of not getting a good loan on a roof replacement caused directly by them when I have no other derogatory remarks on my credit history. It took them over an hour to even accept it might be a fraudulent zombie account. They kept stating it isn't fraud because I agreed to a XXXX in XXXX. The original card expired in XXXX and I have never seen any other card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent. 

Resolution delete accounts.

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 2023-07-01 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 USC 1681 Section 604 States rights to consumers privacy Reporting agencies can not furnish an account WITHOUT my written consent. 

Resolution delete accounts.

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 2023-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX and TransUnion is reporting inaccurate info ( XXXX XXXX XXXX XXXX ) 30+ Days Late which is inaccurate. Reporting inaccurate information is a violation of the FCRA under section 623 ( a ). To avoid a civil rights lawsuit, I am requesting even urging XXXX and TranUnion to remove these late payments from within my credit reports, and to list this trade-line as paid as agreed and/or never late later than five business days or if not I will not hesitate to seek legal action against you.

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 2023-07-01 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 — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I purchased a XXXX deal for XXXX XXXX XXXX gift on the XXXX it's XXXX XXXX so I said I should have enough to pay it but then it says, we are having issue with your visa card, so I thought maybe it's a mistake I entered it again the same response we are having a problem with your visa credit card it says declined. So since it's declined I didn't expect them to charge the next day and it's double. And they told me they are going to do an investigation, that it would take them 60 days to give me my money back depending on there investigation. The charges shouldn't go through in the first place they need to own there mistake, they need to pay for there own error not the local customer that just trying to live day to day basis. My credit card interest is high plus this one it's making our life so difficult. This does not happen at all to any consumers.

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 2023-07-01 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: NC

Complaint narrative:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I currently have a debt under my name for past due tolls from NTTA ( north Texas tollway association ), however, I have in the past disputed, said balance with NTTA, because I am military. I am enlisted in the United States XXXX XXXX, and have not even lived in Texas in since XXXX. The vehicle listed under the tolls, was a XXXX XXXX that I have not owned since XXXX. This debt should not be under my name, these tolls were not perpetrated by me. The vehicle is not mine.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!

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 2023-07-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: Allied Union Group Inc
State: AR

Complaint narrative:
EVENTS SURROUNDING AUTO LOAN PURCHASE XXXX XXXX, XXXX, I signed loan agreement on used XXXX XXXX XXXX ***Before signing I was notified that the XXXX was In a accident but no damage was reported and there were no visible signs of damage at all but a small surface dent on rear bumper. 

I first contacted the dealership XXXX XXXX, XXXX, about the vehicle I got from them. It began having serious issues that made me feel unsafe. The first issue was when accelerating it would begin losing power then jolting repeatedly for a minute or so until it would catch up to itself. I'm no mechanic but I figured there was a issue with the master airflow intake. Next issue appeared right after, which had me really concerned. When i made a turn in the XXXX  it started running rough and i realized the rpms were jumping and a red flashing lightning bolt light appeared on the dash so i parked the XXXX  and turned the vehicle off and re cranked it and it went away. This would happen also when I turned on the XXXX  and sat idling for a minute. 

Reached out again to the dealership XXXX XXXX to get something done. On *XXXX  XXXX I believe I talked to the mechanic for Central Auto sales, set up appointment to get the XXXX checked. Within a day or so I started having doubts the XXXX would make it to the shop located XXXX hours away. 

On XXXX XXXX, my account manager at JP Capital which is the lender of Central Auto Sales, contacted me and I made it clear that I wanted different terms, a different vehicle, or they could just get their vehicle and the deal be done. I was very respectful and responsive, and sent her a video to get a better insight on the situation and for proof that the issue was real. She let me know that someone was coming to get the vehicle but wouldn't tell me if it was a repossession. They came **XXXX  XXXX or XXXX and got the vehicle. I gave them the key that I had and everything that came with it. I let account manager know there is No more damage created but would need to be vacuumed. 

*******************STANDING ISSUE WITH THE AUTO DEALER PURCHASE Central Auto sales lied and sold a vehicle that was damaged past what they disclosed to me. Attempted negotiation within the first 30 days to handle Issues before any payment was ever due. Account manager would not inform me if they were counting the action as repossession. 

******************STANDING ISSUES WITH AUTOLOAN*************** JP Capital says I broke the contract, but the dealership committed fraud which should rescind the contract. Also JP Capital has some concerning mistakes in their paperwork. They notified me by certified mail they were selling my XXXX XXXX XXXX to collect what is owed which is completely not related to or linked to my contract or me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are inquiries i dont recognize on my report Experian XXXXXXXX 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 Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Experian 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 2023-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX  XXXX : # XXXXXXXX XXXX XXXX XXXX  XXXX : # XXXX, XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief