vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
Credit card through usaa has been nothing but trouble. They are constantly pulling some scam to charge me interest when I shouldn't be. This time my complaint involves when paying my account with usaa visa card, I always pay in full which when done by due date which I always make sure it is, I shouldn't be charged interest but yet in XXXX they charged me even though I paid the statement amount in full.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-29 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a bill, and a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- - 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law, which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

These are the affected accounts. 

XXXX 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: MS

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a bill, and a picture ID, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- - 1002.142 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit report within four ( 4 ) business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law, which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

These are the affected accounts. 

XXXX XXXX XXXX. {$2600.00}, XXXX XXXX XXXX bal. {$1300.00}, XXXX XXXX XXXX XXXX. {$1300.00}, XXXX  bal. {$1900.00}, XXXX  bal. {$2500.00}, XXXX  bal. {$12000.00}, XXXX XXXX {$6000.00}, XXXX  bal. {$4800.00}, XXXX  bal. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind backintomylife.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: GA

Complaint narrative:
Per FCRA as a federal protected consumer I am now opting out of any and all authorizations that I the consumer may have given you written, verbal, unwritten nonverbal per 15 USC 6802.

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 2024-07-29 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: GA

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several hard inquiries that I did not recognize or authorize. These false inquiries appeared on both XXXX and Equifax reports and included entries from various banks, auto dealerships, and finance companies. It seems that these inquiries were either the result of clerical errors or potentially unauthorized attempts to access my credit information, possibly indicating identity theft. 

I did not apply for credit with these institutions, nor did I seek any new auto financing around the time these inquiries were made. To address this issue, I have contacted the creditors involved to verify the legitimacy of these inquiries. I am also in the process of disputing the unauthorized inquiries with the credit bureaus to have them removed from my report. Additionally, I have placed a fraud alert on my credit files to protect against any further unauthorized activity and am closely monitoring my credit reports for any other discrepancies. 

XX/XX/year> XXXX XXXX XXXXXXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX  XXXX XXXX ) XX/XX/year> XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX ( XXXX  ) XX/XX/year> XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX XXXX ( XXXX  ) XX/XX/year> XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/year> XXXX XXXX ( XXXX  ) XX/XX/year> Equifax reporting XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX. I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the mental distress, anxiety, emotional distress, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

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.

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
Consumer complaint received 2024-07-29 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: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 non-monetary relief
Consumer complaint received 2024-07-29 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:
PLEASE BLOCKED AND REMOVED. 
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion 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 2024-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AAA Collections
State: SD

Complaint narrative:
On XX/XX/year> I received a letter to collect a debt from XXXX XXXX XXXX XXXX XXXX It stated it was for a XXXX XXXX I have not taken any XXXX  loans from XXXX. 

In XX/XX/XXXX, I called and disputed the debt with AAA Collections out of XXXX XXXX. I asked for proof of the debt and documentation I had taken out a loan. They said it was OK and they would seek the information from XXXX. I did not receive information so I called back in XXXX roughly XX/XX/XXXX +/- a few days. AAA collections said they had not received anything from XXXX yet. 

Today, XX/XX/XXXX, I opened my mail and I have more collection noticed from AAA that I need to pay them but I have still no idea of why or what its for and have not received proof. The representative told me from AAA collections that they had reached out to XXXX, but not received anything yet when I called them today.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase states : the charges are valid because they represent XXXX  cards. 

Fact : there was XXXX gift cards purchased on this account, leaving 100 % of what was purchased left unaccounted for. 

Chase states : that they confirmed that I received benefits from the purchase, yet omits the proof to back that statement up. 

Fact : the sole purpose of the dispute that I filled was that the goods and services that were paid for, were not provided by the market. Chase has repeatedly refused to provide proof that the deliveries were made. In this case, just digital content was purchased. The deliveries would have been made to my email address. None of the documents establishing these deliveries occurred is private and privileged. It is my email address, and no one elses. Therefore, there is no reason that this is being withheld. The only reason that Chase would decline to provide this is because such proof does not exist. 

Chase is also considered to be both advised and informed that the digital goods provided were for someone else, as copies of it was provided to Chase. The content is made for someone needed XXXX or XXXX, depending on the correct spelling of the name. I am not that person, and examples of what correct XXXX XXXX XXXX like from another merchant, from the same site, was included for Chases reference and comparison, as in the correct example, my name is clearly used. In one case, the merchant clearly admits that what was provided was not meant for me. Chase declined the refund for that purchase. It is worth noting that the dispute was filed after the merchant failed to provide the remake, after stating that they would. By this point, the number of or amount of content that was incorrectly provided had exceeded my patience. 

Chase states that multiple small charges were refunded. 

Fact : these smaller amounts were never disputed. They are all either deposits or subscription fees, both of which are non refundable and were not disputed because of this. In the case of deposits being returned, Chase was repeatedly questioned why the deposits were being returned and not the remaining portion that was paid at a later date. In the case of the {$37.00} that was returned, it was a deposit. The remaining portion of {$960.00} is still owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
XX/XX/year> - locked out of my Citi Bank account XX/XX/year> - XXXX contact Citi Bank by phone XXXX and they tell me that they have to send me a letter with a confirmation code to confirm who I am. I wait XXXX weeks and the letter never arrives at my residence. 

Over the next 5 months I call Citi bank over XXXX times and receive the same response every time, without a letter they can not help me. 

XX/XX/year> - I call Citi Bank again and after reviewing my account, the lady helping me informs me that Citi Bank is closing my account due to suspected fraud. I have approximately {$1500.00} in the account last I was able to log in. She tells me that Citi Bank will send me a letter that has a check with the amount left in my account. I tell her that Citi Bank has been unable to successfully send me a letter for 5 months despite multiple tries, how can I be sure that I receive this check with my money? She says that she is unable to help me further and hangs up. I am worried that I will not receive this money, and I am still unable to get into my Citi Bank account that has my credit card attached to it.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Fay Servicing, LLC
State: DC

Complaint narrative:
I sold a price of property I owned in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with Fayfinancial which I sold XXXX years ago which is still on my experience credit report as an open loan. I need it removed from that credit report and others.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2024-07-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
A statement for XXXX XXXX, owner of an IRA got sent to an old address after her death and forwarded by the resident to me on early XXXX. I took that in to XXXX XXXX in XXXX, MI at 5/3 bank to look into it. The statement has no beneficiary info. XXXX has delayed and delayed on this. My motherXXXX XXXX- XXXXas the beneficiary. She was living when the IRA matured but no one searched her out. She died in XX/XX/XXXX and this info was provided to XXXX in early XXXX when I knew a death certificate was needed. Secondary beneficiary was XXXX XXXX brother. I took him to the 5/3 branch in XXXX  XXXX, IN to do needed notarized paperwork in the XXXX  after he moved here from NM. He died of XXXX. The attorney for XXXX XXXX, XXXX XXXX XXXX has also tried to get this money released. XXXX XXXX does not respond or return calls unless with prodding. Theyd is ALWAYS something additional needed. So either she has no clue or shes deliberately stalling. Could the huge judgment against 5/3 be the reason theyre holding onto assets??? One time when I went in to ask XXXX to do something she said shed follow up If I have time. My older brother, XXXX XXXX, is handling XXXX XXXX estate. He has made numerous requests. My sister, XXXX XXXX is handling XXXX XXXX estate. She knew nothing of this until recently and was asked for proof. XXXX has supplied proof. The proceeds SHOULD have gone to XXXX XXXX before her death. Please prompt 5/3 to clear up this mess. The IRA is $ XXXX. Enough! The statement was not kept by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
When I received my personal credit report, I noticed a debt being reported Experian. 
XXXX XXXX XXXX number XXXX Though I have not yet received a verification of said debt, in the event that it is verified, I do have an offer to present to your company. 
This offer is NOT a renewed promise to pay nor is it even valid if your company does not sign and date the letter and return it to me. Again, I would also like to point out that I still do not have an actual validation of debt and I am holding my right to ask for proof in the future. 
I am aware of your right to report in whatever way that you see fit, just as I am sure you are aware of my right to request verification and dispute this debt if I feel it is inaccurate. Which is why paying this debt without first reaching some sort of agreement might result in an account showing paid in settlement, which is not favorable to me. As I said before, I am aware that you have the right the absolute right to report this debt as you see fit OR not report it at all. 
My mission with this letter is to come to an acceptable agreement for both parties involved.

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 2024-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: PR

Complaint narrative:
I received a letter in this past XXXX of 2024 from a company named Williams & Fudge Inc. that said that they where intended to collect a student debt I owed to the XXXX XXXX XXXX. They said that the amount I owed them was {$15000.00}. First of all I am currently enrolled as a XXXX XXXX and because of this reason they shouldn't be able to collect any debt from me until 6 moths after I graduate. Also I want to dispute the amount they say I owe them since is wrong and want to know the details of original creditor.

Company response to consumer: Closed with explanation