vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
Multiple times I contacted the ChexSystems about errors showing on my consumer report with the accounts XXXX routing/checking XXXX and XXXX  routing/checking account XXXX. Companies wanted police reports attached to the complaint I have police case number XXXX reply available.

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 2023-11-25 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: GA

Complaint narrative:
This is my multiple 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$8700.00} ; XXXX XXXX XXXX Balance : {$21000.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$21000.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$610.00}.

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 2023-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Westlake Services, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I purchased a Used Vehicle from USAuto. a XXXX XXXX XXXX that came with a Warranty and also an extended Warranty. On XX/XX/XXXX my car stopped at a red light and never cut back on. I reached out to the warranty company XXXX and was advised to have the Vehicle towed to the Nearest XXXX XXXX to have it evaluated on that following day when they opened. that Sunday the XXXX I received a call from XXXX XXXX giving me a number to call about the Warranty coverage. It was not the Warranty Company. it was Westlake Portfolio and they informed me that they were a debt collector company and they have taken over all accounts from USauto.I was also informed that USauto had filed Bankruptcy. I explained to the rep that my car was in the shop and the bus bar and wiring harness that needed to be replaced was covered under warranty. I was then informed that they would not honor the warranty that I was actively paying for in my car note bi-weekly and I would need to make arrangements to pay they XXXX out of pocket and a new car note. I asked for proof that this company had my contract since it was a debit collector, and I was not pass due with the any Usauto payments and I never received anything. My Credit Shows that the Account with USautosales is closed paid in full now, Westlake is now coming after my credit every other day saying that I have a contract with them and again when asked to provide the contract I never get it, all this over a car that does not run, nor do I have possession of. If I am paying for a warranty and the contract is sold the Warranty should be valid and Westlake is not honoring the Warranty and I do not have any type of pf contract with Westlake. My credit score has dropped XXXX points in the past few months because of Westlake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Per dispute with XXXX from XXXX on *** XXXX my online portal should be opened, it has been locked since XX/XX/XXXX. 

Per correspondence with TransUnion ( XXXX ) on XX/XX/XXXX, this should have been resolved within five days. Ref. No. XXXX Because this is an isolated issue after disputing XXXX, I have reached out to legal and this is actively being addressed. 

I have cooperated by providing all legal court ordered documents verifying my identification. In photo identification and social security cards.

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 2023-11-25 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:
The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states that consumer reporting agencies have " grave responsibilities '' and must exercise " fairness, impartiality, and respect for the consumers right to privacy. '' As the consumer, I have the right under 15 USC 6801 to ensure my private information is not improperly shared. This law states financial institutions have " an affirmative and continuing obligation to respect the privacy of its customers. '' As a financial institution under this definition, All Furnishers of MY PERSONAL PRIVATE Information MUST protect the " security and confidentiality '' of my nonpublic personal information.

Furthermore, 15 USC 1681 section 604 ( a ) specifies consumer reporting agencies may only furnish a consumer report with " written instructions of the consumer. '' XXXX and TransUnion, does NOT have my consent, verbal or written, to furnish this information NOR have they EVER obtained any consent from me the consumer. I hereby revoke any perceived, implied, or written consent. 

Finally, reasonable procedures must be maintained under 15 USC 1681e to avoid violations. As evidenced by the above, XXXX and TransUnion have failed to uphold reasonable procedures regarding my account. 

As permitted by 12 CFR 1016.7, I am immediately opting out of further reporting services regarding this account.

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 2023-11-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I requested that the inaccurate, unauthorized information be validated by providing to me the following ; 1.Copy of the original contract bearing my original signature that i signed for this debt.

2. Payment history from the original creditor clearly showing my payment with them 3.Name and address of the original creditor 4.Proof of ownership that they have been asign this debt. 

It has been since XXXX XXXX and the correct and accurate requested information has not been provided yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I applied for a Navy Federal XXXX XXXX Credit Card on XX/XX/2023. Regardless of the reason for denying the extension of credit, I have the right to my securities. As a result of this action any use of the application/ promissory note of value or SSN Estate and Trust to retrieve funds, credits, tender or FRNs other than to extend credit to the principal named would be considered securities fraud pursuant to the Security Exchange Commission rules and regulations and NFCU Indentured Agreement. This is also a violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act. I would like to expressly withdraw my application immediately pursuant to the Consumer Financial Protection Bureau 1002.9 as Im aware that the application is a secured collateral of value.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: KY

Complaint narrative:
This Statement is to inform you that i have reviewed a copy of my credit report and this complaint is to inform you that you are reporting inaccurate and incomplete credit information. According to Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify through the physical verification of the original signed consumer contract, any and all accounts that you post of my credit report. I have never been notified of this collection. Under the FCRA 15 U.S.C 1681i all unverified accounts must be promptly deleted. Please don't respond to my request by saying that these accounts have been verified. delete them immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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 explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: ALLY FINANCIAL INC.
State: KY

Complaint narrative:
Our closing was XX/XX/XXXX. On or around XX/XX/XXXX they requested closing disclosure which is one of the first documents they should have had. I called to ask why they were still requesting documents a week from closing and if we were closing in time. I was told I would get the clear to close by Thursday XX/XX/XXXX. On Thursday I called and was told the original mlo was on vacation and they didnt have the appraisal because the closing disclosure wasnt sent and the appraiser was on vacation. Then after getting the appraisal at the last minute it mentioned some cracks in the foundation. We had already had an engineer inspect it but didnt have a written report. Ally requested a written report which took another day and second report. In that time we had already sold our current house and had to come to a rental agreement with the seller. There was no guarantee the seller would do this but was kind enough to.

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 2023-11-25 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: Chime Financial Inc
State: CA

Complaint narrative:
I get direct deposit every month from social security on the XXXX of month and if that falls on weekend or holiday then it is supposed to deposit the Friday before that which should have been today. This is second time in couple months chime has done this now my payments for car insurance will not go thru and policy cancelled also my phone and I have a XXXX XXXX and supposed to have phone to call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus I'm XXXX and have limited income and this will cost me reinstate fees plus higher rates and will make my credit for online payments of bill bad affecting my credit. I contacted them online chat email and phone was treated rudely insulted and lied to. And told me they don't have to release my check until XXXX. Which is not true mine is released by my birthday. They did this a couple months ago and admitted after that it was their mistake. They don't care even though I've banked with them 5 years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: FL

Complaint narrative:
The Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states that consumer reporting agencies have " grave responsibilities '' and must exercise " fairness, impartiality, and respect for the consumers right to privacy. '' As the consumer, I have the right under 15 USC 6801 to ensure my private information is not improperly shared. This law states financial institutions have " an affirmative and continuing obligation to respect the privacy of its customers. '' As a financial institution under this definition, All Furnishers of MY PERSONAL PRIVATE Information MUST protect the " security and confidentiality '' of my nonpublic personal information. 

Furthermore, 15 USC 1681 section 604 ( a ) specifies consumer reporting agencies may only furnish a consumer report with " written instructions of the consumer. '' Equifax and XXXX, does NOT have my consent, verbal or written, to furnish this information NOR have they EVER obtained any consent from me the consumer. I hereby revoke any perceived, implied, or written consent. 

Finally, reasonable procedures must be maintained under 15 USC 1681e to avoid violations. As evidenced by the above, Equifax and XXXX have failed to uphold reasonable procedures regarding my account. 

As permitted by 12 CFR 1016.7, I am immediately opting out of further reporting services regarding this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Per dispute with XXXX from Equifax on *** XXXX my online portal should be opened, it has been locked since XX/XX/XXXX. 

Per correspondence with XXXX ( XXXX ) on XX/XX/XXXX, this should have been resolved within five days. Ref. No. XXXX Because this is an isolated issue after disputing XXXX, I have reached out to legal and this is actively being addressed. 

I have cooperated by providing all legal court ordered documents verifying my identification. In photo identification and social security cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
Contact was made XX/XX/XXXX via phone and mail contacting Region banking regarding the improper reporting and incorrect amount of my mortgage loan.

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 2023-11-25 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: SC

Complaint narrative:
I extend my appreciation for your previous efforts in addressing certain fraudulent items in my credit file resulting from an alleged identity theft. However, it has come to my attention that specific items persist, requiring additional attention and resolution. This marks my third complaint, wherein I declare myself a victim of identity theft and submit a dispute for the remaining items in my file associated with this crime. I wish to underscore that the contested items bear no relation to any transactions involving the acquisition of goods, services, or funds that I have personally authorized. I kindly request the removal of the reporting of these distinct items from my credit file, attributing them to the alleged identity theft. For your reference, I have provided the relevant details below : -- -- -XXXX  XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -- -TRANSUNION -- -- XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX. These items were previously unknown to me, and it is noteworthy that the information you provided on them has already been deleted from other bureaus. Consequently, I harbor doubts about the accuracy and reported history of these items in my credit file, as outlined in accordance with FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.

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 2023-11-25 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: National Credit Adjusters, LLC
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX National Credit Adjusters LLCXXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 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: CCS Financial Services, Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following companies have violated my rights : XXXX XXXX XXXX- XXXX XXXX  XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give not give written and/or verbal permission for any consumer reporting agency to furnish or provide information concerning any of the above accounts. 

I have also requested a validation of a debt to prove the accuracy of this debt and the original contract for the debt which has not been mailed to by US mail. To this date, I have not received disclosures about the debt, including the amount owed and the that I have the right to dispute the debt. Not to mention, the date of last activity on a debt is inaccurate in which no proof has been provided to me. I did not receive notification by US mail on the dates that have been listed on my credit report. 
I believe that Sections 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1681s-2 ( a ) have been violated. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-25 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I reported to Bank of America that XX/XX/XXXX  {$200.00} from XXXXXXXX XXXX XXXX XXXX XXXXXXXX MA is unrecognized, The bank of America said That I was at the location using the bank of America credit card to make the transaction in person, so They forced me to pay. 
I told Bank of America That I was out of America on XX/XX/XXXX, and arriving to XXXX on XX/XX/XXXX, I was not able to be in XXXX MA USA to do the transaction in person, Then Bank of america sent me a letter and asked me whether I have used another bank credit card to pay this {$20000.00}, they said If I am nor able to prove that I paid {$200.00} from another card, I must pay this fraud charge for bank of America. 
At the same time, I called Bank of America, asked the Bank to usps me all the materials that investigated, they said " Yes ''. but I never received anything besides the letter above. 
I also mailed my airline ticket the place that Bank of America address given and showed the bank transaction that I was in XXXX airport to layover to XXXX. 
But when I asked Bank of America, they never let me know about my material received or not, can they provide me opinion, The becaome unreachable!? 
Bank of america always froze my account, forced me to go to local branch to 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