vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I am in the process of buying a home for my family and this has been hurting me. Please remove these incorrect personal information from my credit report as soon as possible.

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 2024-09-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
First, they did not provide validation within the 30 days they have by law. They've been told multiple times that the debt is disputed and that they need to return it unless they can prove to us that they purchased the debt, not simply acting on someone's behalf. We got a letter that states we've been in collections with them since XXXX  ( or maybe they've been working with XXXX XXXX  since XXXX  ) but we have no idea what that has to do with us or the collection notice we received in 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 2024-09-05 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: LA

Complaint narrative:
HELLO, i have been dealing with identity theft OFF and On. I'm not sure who has gotten access to my personal information. I just recently found about this account after applying for a home and was denied, Once i found about this i reached out to all 3 credit reporting agencies- which i must say was a horrible experience alot of the representaives i spoke with really didnt " speak XXXX to well and i had to get transfer OVER and OVER. hang up and callback, i spent alot of time trying to get this handle. i have to take off work to file a police report, spend money on a lawyer. I have never had a ccount with XXXX XXXX XXXX. i have been doing alot of research and learning the law and have came across a few laws thats has been violated with the credit reporting agencies- EXPERIAN, XXXX AND XXXX. 

XXXX XXXX XXXX ACCOUNT NUMBER XXXX DELETE FROM MY CREDIT LAWS THAT HAVE BEEN VIOLATED LAW 1-15 U.S. Code 1681n - Civil liability for willful noncompliance LAW 2-PURSUANT 15 USC 1681 ACCURACY FAIRNESS OF CREDIT REPORT LAW 3- FCRA SECTION 605B LAW 4-Block of information resulting from identity theft, U.S. Code 15 ( 2010 ), 1681c-LAW 515 USC 1681s 2 ( A ) ( 1 ) states , A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Block of information resulting from identity theft, XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX What is the civil liability for 15 USC 1681 N in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court.

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 2024-09-05 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: OH

Complaint narrative:
I would like to dispute the following inaccurate items that are on my credit report. I have sent letters to Equifax, XXXX and XXXX and they have not acknowledged my disputes. 

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 2024-09-05 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: OH

Complaint narrative:
I would like to dispute the following inaccurate items that are on my credit report. I have sent letters to XXXX, Experian and XXXX and they have not acknowledged my disputes. 

XXXX XXXX. XXXXXXXX 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 2024-09-05 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: NY

Complaint narrative:
These questions are not related to me, and I have no connection with the creditors mentioned.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: VA

Complaint narrative:
To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the XXXX data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXXXXXX XXXX XXXX XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-09-05 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: VA

Complaint narrative:
To Whom It May Concern, This serves as a final demand for your agency to provide a full account of the steps taken to ensure the accuracy of the items on my credit report, under 15 U.S.C. 1681i ( 7 ). Specifically, I require a detailed description of your reinvestigation procedure, including the business name, address, and phone number of any furnisher of information contacted, as well as any documentation used to validate the information under 15 U.S.C. 1681i ( 6 ) ( B ) ( iii ). This information must be provided within 15 days of this request. I previously informed your company that I am a victim of identity theft and the Equifax data breach, and I filed a formal FTC Identity Theft Report, which is attached. Despite my explicit demand to block and remove all fraudulent information from my credit report, you have failed to comply, leaving the following fraudulent items : XXXXXXXX XXXX XXXX XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX - XXXX By the Fair Credit Reporting Act. This unverified and inaccurate account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I opened a new account for my business with Chase Bank. A month later, on XXXX XXXX XXXX weekend, I became victim to a XXXX XXXX  scam. I was called and told my account was past due and my electric would be turned off. I was instructed to go to XXXX XXXX, who does accept bill payments and pay the past due and deposit amount since it was a holiday weekend or my electric would be shut off all weekend. The scammers sent me a code and I went and payed in four transactions totally XXXX. A month later XXXX XXXX  informed me that it was a scam and no payment went to them. I reported this to XXXX XXXX as well, the XXXX  and cyber crimes. I kept the text with barcodes and receipts. I reported this matter to Chase Bank as it was my business account. Chase denied my claim twice stating that because it was an in person transaction it isn't fraud. Despite it being in person, it was a financial scam behind it. Chase refused to refund me, stated it was my fault for being manipulated and even tried to throw an old claim where I questioned a vendor payment on my statement. Worst bank ever. No protection for business accounts and horrible customer service blaming an innocent victim to a scam. They still refuse to refund my money yet I receive emails everyday saying how they're there to help with scams. False. They are not. Closing my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: FL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's 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. 

Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX & XXXX XXXX Account Number : XXXX Account name : XXXX XXXX  Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: Kubota North America Corporation
State: AL

Complaint narrative:
I am writing to formally dispute the reporting of late payments associated with my account for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This information is inaccurate and negatively impacting my credit report and, consequently, my means of living. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a, I assert my rights as a consumer to dispute any inaccurate or incomplete information on my credit report. I am requesting that you remove these late payment records entirely from my credit file rather than verifying them. This request is made under the principle that any negative reporting that does not accurately reflect my payment history should be removed.

Additionally, I would like to draw your attention to the provisions under 15 U.S.C. 6802, which mandates the proper handling and safeguarding of consumer information. It is imperative that your institution adheres to these regulations to maintain the integrity of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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:
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. 

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

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 informationisinaccurate. 
Please remove these Inquiries 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 2024-09-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VW Credit
State: MN

Complaint narrative:
My leased car was repossessed while I was making every payment. I sent them {$17000.00} to get the car back and they still wont help me get the car. They will sell it on XXXX. Please help me!! I Im running out of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
I have a XXXX XXXX XXXX that makes transactions through VENMO. I have a large ammount of money put in my VENMO account through purchases. VENMO has now frozen my account and I am unable to extract these funds with no explination as to why. I have provided them with all documentation as requested ( bank statments, letter from my bank, ID, etc ). They have infomed me they will have no further correspondance with me with no explination as to why, if my funds will be returned, what my next steps in the process are, etc. I have emailed several times, made multiple phone calls, all with no answers. I have read on XXXX  about multiple similar accounts having the same issue. This is completely unacceptable as my money has been essenatiall stolen/ held hostage as they make interest/ investments with my money. It is no different that robbing an ATM or stealing someones credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: Esusu, Inc.
State: GA

Complaint narrative:
Date XXXX of XXXX to XXXX of XXXX Esusu promised to report my on time payment to all 3 Credit bureau this never happen .I haven't seen any change in my credit for over 2 years now

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
I received a Small Claims Summons from a company called Velocity Investments I have never received correspondence from them before this. 
I have never done business with this company I do not consent to contract with this company

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 2024-09-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I purchased my XXXX XXXXXXXX XXXX on XX/XX/year>. My first payment of {$650.00} was not due until XX/XX/XXXX as stated in my contract. I made an advanced payment on XX/XX/XXXX of {$650.00}. {$210.00} went towards finance charges and {$430.00} went towards the principal. I was told Id be paying {$210.00} to finance charges each month which was verified by a customer rep. 

I then made an advanced {$470.00} payment on XX/XX/XXXX. That entire payment of {$470.00} went all to finance charges and nothing to the principal. I called several times to have the {$430.00} allocated towards the principal. On XX/XX/XXXX {$0.00} were allocated. I called again for reallocations but nothing was reallocated ( I was told by a customer rep that the request was not put in by the previous rep I spoke with ). I put in another request for reallocation of the {$430.00}, & again on XX/XX/XXXX {$0.00} was reallocated. 

I had a balance of {$210.00} Due for the month of XXXX, and I paid another {$430.00} on XX/XX/XXXX. That {$470.00} payment also all went to finance charges as well. I called to get those charges reallocated as well. Since then none of the ( 2 ) {$430.00} payments have been reallocated to the principal. And I am now receiving calls and messages saying that I am late and past due on my payment when that is not the case. 
In total I have paid {$650.00} XX/XX/XXXX ( My payment wasnt due until XX/XX/XXXX ) {$430.00} XX/XX/XXXX {$430.00} XX/XX/XXXX The allocation has still not been resolved and needs to be resolved. All of my payments after the first initial payment are going strictly towards finance charges and none towards the principal & Ally is claiming I have not made any payments and I am behind. The company has refused to allocate funds although verified by a customer rep that I only pay {$210.00} of interest each month. 

I called -Customer Service XX/XX/XXXX 3 times XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -Collections ( I was auto transferred here due to them saying I havent made a payment ) XX/XX/XXXX ( Supervisor was suppose to call me XX/XX/XXXX, Supervisor did not call. ) & XX/XX/XXXX 2 times In summary, despite making multiple advanced payments on my 2024 XXXX XXXX loan, Ally Bank has failed to properly allocate my funds toward the principal balance. I have paid a total of around {$1500.00}, around {$1000.00} of these funds have only been applied to finance charges instead of reducing the principal, as they should have been. I've called customer service multiple times, and despite reassurances and requests for reallocation, none of the payments have been properly adjusted. Now, I am being inaccurately reported as late on my payments. I am requesting immediate resolution of these allocation errors and accurate adjustment of my loan balance, including the proper application of my payments to the principal as confirmed by customer representatives.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a
creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-05 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:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting y ability to obtain credit

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