vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 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: CA

Complaint narrative:
I am writing to bring to your attention a concerning matter involving Experian 's failure to conduct a proper investigation and subsequent removal of an inaccurate account from my credit file. This situation is in direct violation of the Fair Credit Reporting Act ( FCRA ) and demands immediate intervention to rectify the issue and uphold the integrity of credit reporting. 

I have identified an erroneous account listed on my credit report, which is adversely affecting my creditworthiness. The details of the account are as follows : Source : Experian Date Submitted : XX/XX/2023 Report Number : XXXX Account Number : XXXX Company : XXXX XXXX XXXX  XXXX I have followed the appropriate procedures to dispute the accuracy of this account directly with Experian, providing all necessary documentation and evidence supporting my claim. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), consumers have the right to dispute inaccurate information on their credit reports, and credit reporting agencies are obligated to conduct a reasonable investigation within 30 days of receiving a dispute. It has been well beyond this timeframe, and Experian has failed to meet its legal obligation to conduct a thorough and proper investigation. 

Furthermore, under Section 611 ( a ) ( 5 ) ( A ) ( i ) of the FCRA, if the credit reporting agency can not verify the accuracy of disputed information, it must promptly delete the disputed information from the consumer 's file. Experian 's refusal to adhere to this provision is a direct violation of my rights as a consumer. 

I kindly request the Consumer Financial Protection Bureau 's immediate intervention in this matter to ensure that Experian fulfills its legal obligations under the FCRA. I urge you to investigate this case thoroughly and expedite the removal of the inaccurate account from my credit file. This action is critical to restoring the accuracy and integrity of my credit report and maintaining the consumer protections established by the FCRA. 

I have attached copies of relevant documents to support my claim and request that this matter be addressed with the utmost urgency. Your prompt attention to this issue will be greatly appreciated. 

Thank you for your assistance in resolving this matter and upholding the consumer rights protected by the Fair Credit Reporting Act. 

Sincerely, 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 explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2023, at approximately XXXXXXXX XXXX  I was in XXXX XXXX located at XXXX XXXX XXXX. XXXX, Ga XXXX. At this time, I received a notification of two transactions made by my debit card at XXXX XXXX. The first was in the amount of {$820.00} and the second was in the amount of {$830.00}. I immediately called Ally Bank and reported my card stolen after noticing my wallet had been taken from my purse. I was advised, by Ally Bank, that there was nothing that could be done until the transactions posted to my account. At this time, I contacted the XXXX XXXX Police Department. At approximately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  arrived and completed a Police Report. On XX/XX/XXXX I was able to retrieve the report which stated that XXXX XXXX did respond to the XXXX XXXX and was able to obtain video evidence of two " mixed raced '' individuals unlawfully using my debit card. The report further stated that XXXX XXXX was able to match transactions with amounts and timestamps to corroborate my report and that all evidence was uploaded to XXXX XXXX 
On XX/XX/XXXX I uploaded my report to Ally Bank and was advised that the dispute case was opened. Since this day, Ally Bank has denied my dispute three times. Every time the reasoning changes. The first was due to no Police Report, which was later determined to be an error on Ally 's behalf. The second I was advised that other transactions were made with the same card on the date in question. This was also determined to be in error as they were looking at purchases made by my husband and not the actual stolen card. The third, and most recent, is due to the charges being made from a debit card. There have been multiple other excuses for no reimbursement, and it is now clear that Ally Bank is intentionally closing my dispute to avoid reimbursing me. 

Any assistance would be greatly appreciated. For Ally bank to so blatantly dismiss that a crime occurred and to have no regard for their customer 's well-being, I would bet that we aren't the first to come across this problem.

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 2023-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX of XXXX, I sent off a notarized dispute letter to Bank of America Corp. to dispute this account on how it was reporting on my consumer report. They never responded to my dispute that was sent via USPS to them. The Fair Credit Reporting Act states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
REVIEW THE LETTER I SENT REGARDING THE INQUIRIES, LATES AND CHARGEOFF ACCOUNT. I'VE BEEN SENDING YOU MULTIPLE LETTERS AND YOU SAID YOU DIDN'T RECEIVED IT OR THERE WAS AN ERROR ON MY FTC OR MY DOCUMENT IS BLURRY. STOP MAKING EXCUSES. WHEN I SENT YOU DOCUMENTS WITH LETTERS AND FTC I MAKE SURE IT IS CLEAR.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
THIS ACCOUNT GIVING ME XXXX I CAN'T EVEN SLEEP WITH THIS, PLEASE REMOVE IT FROM MY CREDIT REPORT, I SEND ALL TE DOCS THEY NEEDED TO REMOVE IT AND I'M BEGGING YOU PLEASE..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, 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:
On or about XX/XX/2023, I have recently encountered instances where my attempts to dispute certain accounts on my credit report have been met with responses indicating that my credit file can not be located. This has resulted in difficulties in addressing inaccuracies and discrepancies that are negatively impacting my credit standing, risk assessment, and overall financial well-being. 

Furthermore, these challenges raise questions about the credit reporting agencies ' adherence to the Fair Credit Reporting Act ( FCRA ) and their responsibilities in providing accurate credit information to consumers. It is my belief that these issues may be hindering the consumer empowerment aspect of credit reporting and potentially compromising data security. 

This practice has resulted in significant harm to my financial standing and has raised questions about the ethical and legal practices of your organization. I recently discovered, to my astonishment, that multiple accounts are appearing on my consumer report, indicating that your agency has been furnishing information without my explicit written consent. This practice not only undermines my ability to manage my financial affairs effectively but also jeopardizes my privacy rights as a consumer. I believe that this disregard for the requirement of written consent is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) and potentially other applicable regulations. 

I want to bring to your attention that I have taken this matter seriously and have filed a complaint with the Federal Trade Commission ( FTC ). I am committed to seeking appropriate actions to address the harm caused by these practices and to ensure that such violations do not continue to impact consumers like myself. 

Attached to this letter, you will find a copy of my consumer report as evidence of the multiple accounts that are inaccurately appearing on my credit report without my written consent. Furthermore, I have included a copy of UCC-11, which shows that I do not have any liens or loans associated with my name. 

I will also include AGAIN a copy of my Drivers License, address, and social security card. Because every time I make a dispute. the 3 bureaus can not verify who I am

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX have violated my rights. 
15 U.S.C 1681 Section 602A states I have a right to privacy.

15 U.S.C 1681 Section 604A Section 2 states a consumer reporting agency can not furnish my account without my written instructions.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
In XXXX of XXXX, I called to ask that my card be frozen/ replaced because I had lost it. At the time, they agreed and freeze the card so that no payments went though. 
However, because I had moved, it was difficult to get me the new card because I needed to update my address, but needed the new card to do that. It was all a bit silly, but since the card was frozen, I thought that was the end of that. 

A few months later, In XXXX, I see charges again, and I call to complain. They said that those were subscriptions and somehow circumnavigated the card freeze. I paid that off and demanded that they cancel the card such that no more charges could go through. If one of my subscriptions stopped working, they would ask me for an updated card. 

A month or so later, I saw more charges from XXXX, and called to complain for a third time. They apologized and agreed to cancel the card. The last problem at the beginning of XXXX. 

6 months later, I get charged again, but as I no longer track this card ( believing that CHASE has kept their word and closed the account ), I did not realize this until I started getting texts and emails saying that there was something wrong with my card. I downloaded the app, to confirm my account was closed, and found to my frustration an additional charge as well as a late fee and interest fee. 

I paid off the charge, but called to complain for the FOURTH time, since no charges were supposed to occur on this card that I have not had since XXXX of last year. 

They promised again that they account would be closed but refused to waive the fees they applied to the card despite them only occurring because they repeated broke their promise to close my account. 

At this point it feels like they are engaged in some sort of scheme to keep the account open so that I get charges and fees. I am not seeking government help in getting this company to close my account. 

If I need to go to court and file a small claim against them over the fees I will, but this all seems absurd, and I would prefer to leave on somewhat more amiable terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
The fact that I always make timely payments on this account is causing me a great deal of XXXX. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: NJ

Complaint narrative:
American Credit Acceptance has reported to the credit bureaus that I was late by 30 days on a payment. However, the car was traded in on XX/XX/2023. American credit acceptance customer associate said they don't report to the bureaus until the XXXX or the first of the next month. The car was longer in my possession after the XXXX of XXXX due to the fact the car was paid off by another dealer, who said I don't have to make anymore payments because it was traded in. 
They are reporting false information on my credit stating it was late when it was paid off from the dealer with a trade.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please delete these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Statebridge Company
State: NY

Complaint narrative:
State bridge co have tried to negotiate but stop at every point asking to speak to debts holder or somone besides XXXXXXXX XXXX but no not updating or f awarding of offer to debts holder a Forclousure date is set for XX/XX/2023 no matter what offer is made XXXX XXXX rejected. After the new mortgage survives have been delt with now another sale date of XX/XX/2023. 
There has been no update to show we made offer and no response to speak to anyone else everything is faword to XXXX XXXX and he told me he dont want to negotiate or resolve the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: IA

Complaint narrative:
Mortgage Loan was with XXXX XXXX then transferred for servicing to NewRez LLC, per the letter I received I was to receive new account info directly from NewRez LLC within 15 days. I have yet to receive any info from NewRez LLC the phone number listed on the letter from XXXX and on their website is XXXX. The phone does not ring, unable to create an account on their website without the phone number. This is going to cause me to pay my mortgage late and likely cause them to add fraudulent fees to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX Mandarich Law Group contacted me in regards to a debt by XXXX XXXX XXXX XXXX for a credit card debt. I was advised by the representative on the phone that he was seeing what he can do to secure an agreement before the file lawsuit on this debt. From research under California Law a creditor can attempt to sue on a debt when it has been less than 4 years from the date of last delinquency or last charge. My last payment was XX/XX/XXXX. This has now been over 4 years since the last payment or charge. Yet I am being threatened with a lawsuit. I would like all information on how they are able to sue on a debt past 4 years. I will need all this information so I can present to my representation and figure out how we need to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
My Social was compromised about 14 years ago to this date I still monitor for suspicious activities, I recently started going for a Home and Noticed several things inaccurate reporting I asked the collectors and pertaining agencies to verify and validate this accounts with contracts signature and other methods, XXXX one of the mayor reporting agencies also failed to provide such methods, resurgent was given 30 days to provide such validation and failed to do so, 60 days later called and asked for my address in order to mail some pointless paperwork asking me for fraud reporting, in addition XXXX another creditor emailed me as accounted deleted but XXXX refuse to accept my email with horrible business model.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a victim of identity theft. Someone has been using my personal information, to try to obtain auto loans and credit cards. My information has also been discovered on the dark web. The incidents started in XX/XX/2022. I have reported this crime to the XXXX Police Department and the Federal Trade Commission. There are numerous hard credit inquiries on all three of my consumer credit reports. I have filed disputes with the credit reporting agencies, to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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