vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Date : XX/XX/2023 Amounts : {$1200.00} Issues : Opened an online checking account with Chase Bank. Deposit my first check ( it was refund of security deposit from rental property ) and the account is restricted due to bank employee unable to verify the check so they cant release the fund. 

Actions : Its been a year, I called chase bank more than thirty times trying to resolve the issues. I went to the bank directly with all the letter and papers proof, still did not work out because they cant reach out to the maker of the check through the phone number thats on the check. I called the maker ( company ) on my own and get their phone number because they told me that they working home not in the office ( its a different number that is not printed on the check ) so they barely pickup the phone number or have to leave a voice mail to call back ( thats how I get their personal phone number ). I even get them connected with the bank employee but the bank employee say the only way to verify the check has to be through the phone number thats on the check, which means they will not release the fund until the check get verified with the maker through the phone number thats on the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: RCN Capital, LLC
State: NJ

Complaint narrative:
I was given a commercial property loan with RCN Capital and Elite Commercial servicing for a single-family home in the state of Georgia. I was made aware that RCN Capital is not licensed to lend/service any loans in the state of Georgia. I was not made aware of this matter through RCN Capital nor the attorneys during closing. This led me to believe that the contract was legitimate. This makes the contract of servicing null and void. I am requesting documentation from both companies providing proof of legal licensure in the state of Georgia from XX/XX/XXXXXXXX  - XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by XXXX XXXX. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Information contained on ALL three credit reports ( XXXX, XXXX, and TransUnion ) contains information regarding delinquency and continued balances when I filed bankruptcy and my debts have been charged off under my XXXX XXXX. My credit report should reflect this and my score should not continue to fall but in fact, go up at this point. Please review the attached documents and please advise credit companies to make the corrected adjustments.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Information contained on ALL three credit reports ( Equifax, XXXX, and XXXX ) contains information regarding delinquency and continued balances when I filed bankruptcy and my debts have been charged off under my XXXX XXXX  My credit report should reflect this and my score should not continue to fall but in fact, go up at this point. Please review the attached documents and please advise credit companies to make the corrected adjustments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: CA

Complaint narrative:
Subject : Dispute of Incorrect Bankruptcy Reporting Credit Report Reference Number : XXXX Social Security Number : XXXX Dear XXXX Consumer Solutions, I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report, which I obtained through XXXX. This information is inaccurate and should not appear on my report, as I have never filed for bankruptcy. The incorrect entry is negatively impacting my credit, and I request an immediate investigation and correction under the Fair Credit Reporting Act ( FCRA ). 
FCRA - Right to Dispute Inaccurate Information Pursuant to the FCRA ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be inaccurate, incomplete, or unverifiable. Upon receiving this letter, you are required to : Conduct a reasonable investigation of the disputed bankruptcy reporting. 
If the bankruptcy can not be verified, the item must be removed or corrected on my credit report. 

Notify me of the results of the investigation within 30 days of receipt of this dispute. 
Provide me with a new copy of my credit report showing the corrected information once the investigation is complete. 

Details of Disputed Information : Type of Dispute : Incorrect Bankruptcy Reporting Account Name/Number : XXXX XXXX CT CA XXXX Date of Bankruptcy Reported : XX/XX/year> Court/Location Reporting the Bankruptcy : XXXX XXXX CT CA XXXX Please delete or correct this inaccurate entry and notify me once this issue is resolved. In the event that you fail to correct this error, I will have no choice but to escalate the matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and considering legal remedies. 

Please investigate this matter promptly and remove this erroneous bankruptcy from my credit report. I appreciate your attention to this matter and look forward to your response. 

Sincerely, 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 2024-10-11 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: TN

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-10-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
I attempted to get a loan from Lending tree. I got a call and they said they were Lending tree, they asked for my information and proceed to do the loan. They would deposit money in my account and ask me to send some back with a bar code at XXXX. They did some mobile deposits in my acct, {$480.00}, {$480.00}, {$820.00}, {$820.00}. The amounts came out as Deposit Item Returns and were withdrawn from my bank account. Two days later I realized that I was scammed and informed my bank. After I informed my bank 3 more Deposit Item Returns came in, {$920.00}, {$920.00}, and {$920.00}. I believe that when I informed the bank that they should have frozen my acct so no more withdrawals could come in, but they did not. Can anything be done?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
after 10 phone calls from different people notifying me that my " new credit card '' had a huge transaction and phishing for my social security number. 
calling from a bank named truist in Georgia, from ( XXXX ) XXXX and from ( XXXX ) XXXX XXXX. 
I told them, different people each time who can not transfer me to the person I talked before, talking in circle about a card I opened in Georgia which is false, - that my name was on the card so I am responsible. ( also using my maiden name which I never use for official matters??? ) - all my credit cards will be cancelled - huge transaction of illegal guns??? I checked on internet that guns are not illegal In North Carolina, just a scary tactic. 
Sincerely,

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 2024-10-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I've attempted four times to contact Capital One, XXXX XXXX, and XXXX XXXX XXXXXXXX with written correspondence to validate the debt they claimed I owe since XX/XX/year>. Ive also contacted XXXX in writing notifying this information. 
Capital one has informed me they have no contract on file with my signature certifying I'm the person who opened this account and/or of me agreeing to make payments of this account. XXXX continued to allow them to report information knowing this as well! 
XXXX XXXX and XXXX XXXX XXXXXXXX has failed to report any information at all that these debts are mines or proof of any agreements made by myself. 
XXXX has failed to uphold FCRA validation process by allowing them to continue to report negatively on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/year> I disputed an account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the file you maintain under my Social Security number. I was informed on XX/XX/year> that the item was deleted from my credit report through your secure portal. 

Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 

( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 

I received no such notification. I also spoke with a representative of TransUnion Via chat and was advised it was never actually never deleted and no date of reinsertion. I attached a copy of this conversation, the dispute results that states it was deleted. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I Herby Demand that you immediately delete these items from my credit report in order to avoid legal action. I have you in record violating 3 FCRA laws. Please govern yourself accordingly.

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 2024-10-11 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
At this stage, I dont even know what to say. This XXXX XXXX doesnt even bother to read the complaint and copies/pastes the same useless response as in previous complaints. I raised a very specific issue but she cant even be bothered to read, let alone reply to that. I guess I will keep filing complaints till she bothers to at least read my complaint I want them to show me where do they list in their terms and conditions that I need to wait 90 days to get a direct deposit? They just make their own policies as they go. I have read all the terms and conditions and nowhere does it state that I need to wait 90 days to get a direct deposit. Even their own website says the opposite and says that my rewards are available for either statement credit or direct deposit. 

I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience with this unethical company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX from CarMax Auto XXXX XXXX ( VIN # XXXX ). I made a down payment of {$2500.00}, which included {$1600.00} from a trade-in and {$900.00} in cash. The loan was financed through CarMax Auto Finance. 

Upon reviewing the Retail Installment Contract, I discovered that my loan had been sold and assigned to CarMax XXXX XXXX XXXX ( XXXX XXXX ), which holds the rights to collect payments. However, I have continued to make payments to CarMax Auto Finance, which is not the rightful creditor. 

Further investigation revealed that my loan was securitized and sold as part of an asset-backed security on the secondary market, specifically linked to the XXXX XXXX XXXX XXXX XXXX with CUSIP number XXXX. This securitization was done without any disclosure to me, in violation of the Truth in Lending Act ( TILA ) and Uniform Commercial Code ( UCC ). CarMax Auto Finance continues to collect payments despite not being the proper holder of the debt. 
I formally requested proof of debt under UCC 9-210, asking for original loan documentation, servicing agreements, and details regarding the securitization. Despite this request, CarMax Auto Finance has failed to provide any of the requested documentation.

Additionally, under TILA ( 15 U.S.C. 1635 ), I am entitled to rescind my obligation to make payments due to CarMaxs failure to disclose the securitization and assignment of my loan. This lack of transparency has deprived me of my rights, and I believe CarMaxs continued collection efforts are unlawful. 

On XX/XX/XXXX, I sent a notarized letter to CarMax XXXX XXXX XXXX, CarMax XXXX XXXX XXXX, and CarMax Auto Finance, formally requesting proof of debt, documentation of securitization, and a servicing agreement. I also asserted my right to rescind under TILA. They have not responded or provided the necessary documentation to resolve the matter. 

I am requesting the CFPB 's assistance in investigating this matter and compelling CarMax to provide the requested documentation and cease collection efforts until the matter is resolved. If CarMax fails to respond within 7 business days, I will proceed with arbitration suit and seek remedy at the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information 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 2024-10-11 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: PA

Complaint narrative:
Despite my previous three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. In their responses to my dispute letters, they stated that they have verified the items listed as accurate but failed to send me copies of the documents used to verify these accounts, as per my request. Their failure to provide these documents indicates that they can not and did not verify any of the disputed accounts as claimed. Furthermore, their failure to delete the disputed accounts that they can not verify after three written requests demonstrates a willful disregard of Federal Law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. 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 XXXXXX/XX/year>

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