vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
On Thursday of the XX/XX/XXXX I reached out after noticing my ally bank app on my phone was not working normally I was informed originally over the phone it was their systems having issues afterwards the representative requested one time pass code to which I never received, Asked instead for public records questionnaires to which only 2 applied to me. 

After this I got response claiming I could not be verified. the next day Friday XXXX of XX/XX/XXXX Ive gotten a email from Ally bank stating my account is locked. 
I reached out and it was the same process Public records do not match me except for 2 and my phone not getting any codes was told to email Drivers license SS card which i have did but have not heard back. 
I have been a client with Ally bank since XXXX no personal changes have been made. I use the same number, live at the same address. 
Afterwards I have contacted my carrier at XXXX a level 2 tech went through diagnostics and claimed the number ALLY BANK uses XXXX and XXXX for sms are all working receiving from my cellular device I have reached out to my other financial institutions XXXX, XXXX XXXX XXXX to which they have sent XXXX time XXXX codes confirming all working as it should. 

Ally bank is withholding my savings account, invest account I can not even see my balances, statements, forms. to which I hold active shares of XXXX tickers XXXX XXXX XXXX in the event of any market downturn I can not sell these shares I can virtually lose the value of my investments who will be liable in this event. 
I believe that I am being treated unfairly, discriminated against due to my name ethnicity, and lied to with deceptive practices by this institution, considering my carrier XXXX confirms my device is working correctly, considering my other banks agree I am able to receive codes.

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 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I am facing financial harassment and severe damage to my credit due to actions by the XXXX XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, regarding an alleged debt from XX/XX/XXXX. They are deliberately communicating with credit reporting agencies to harm my credit, which is negatively impacting my low-income family 's ability to thrive, particularly as a XXXX individual. 

It's important to note that federal laws, including the XXXX XXXX XXXXXXXX XXXX and the XXXX XXXX, provide protections for qualified individuals with XXXX. In addition, under New York law, the statute of limitations for consumer debt is 3 years. This means that creditors or debt collectors have a maximum of 3 years to attempt to collect on an unpaid debt or initiate legal action. Once this time period has lapsed, the debt is considered time-barred. 

The New York Consumer Credit Fairness Act ( CCFA ), which came into effect on XX/XX/XXXX, governs such limitations. It applies to both original creditors like credit card companies and debt collectors. Amendments to the New York Civil Practice Laws reinforce these regulations. Importantly, once the statute of limitations has expired, it can not be reinstated or extended, even if payments are made or acknowledgment of the debt is provided. 

For debt buyers and collection agencies to pursue legal action, they must demonstrate ownership of the debt and the right to sue for its collection. This entails providing a complete chain of custody for the debt, even if it has been transferred through multiple entities. Failure to prove ownership will result in the dismissal of the case. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my horrific experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Corp Solutions Inc.
State: NY

Complaint narrative:
I am facing financial harassment and severe damage to my credit due to actions by the debt buyer CREDIT CORP SOLUTIONS INC, located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, UT XXXX, regarding an alleged debt from XX/XX/XXXX. They are deliberately communicating with credit reporting agencies to harm my credit, which is negatively impacting my low-income family 's ability to thrive, particularly as a XXXX individual. It's important to note that federal laws, including the XXXX  with XXXX XXXX and the XXXX XXXX, provide protections for qualified individuals with XXXX. In addition, under New York law, the statute of limitations for consumer debt is 3 years. This means that creditors or debt collectors have a maximum of 3 years to attempt to collect on an unpaid debt or initiate legal action. Once this time period has lapsed, the debt is considered time-barred. The New York Consumer Credit Fairness Act ( CCFA ), which came into effect on XX/XX/XXXX, governs such limitations. It applies to both original creditors like credit card companies and debt collectors. Amendments to the New York Civil Practice Laws reinforce these regulations. Importantly, once the statute of limitations has expired, it can not be reinstated or extended, even if payments are made or acknowledgment of the debt is provided. For debt buyers and collection agencies to pursue legal action, they must demonstrate ownership of the debt and the right to sue for its collection. This entails providing a complete chain of custody for the debt, even if it has been transferred through multiple entities. Failure to prove ownership will result in the dismissal of the case. I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my horrific experience.

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

Complaint narrative:
Improper use of my report ( shared without consent, credit inquiries from unknown sources ) Reporting companies used my report improperly ( Obtained or used for purposes that arent allowed By law )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: DISCOVER BANK
State: FL

Complaint narrative:
I did not give this company permission to open an account in my name using my information. I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.

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

Complaint narrative:
XX/XX/XXXX Sent Verification letter XX/XX/XXXX Sent another verification letter XX/XX/XXXX Sent XXXX verification letter XX/XX/XXXX Sent another verification letter XXXX another verification letter XX/XX/XXXX Sent another verification letter XX/XX/XXXX I Sent a complaint to CFPB and XXXX and am resending letters to get the address removed from my credit report. I can not receive mail at the address I want the address removed and XXXX dollars for the violation

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 2024-05-05 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: Experian Information Solutions Inc.
State: FL

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 my 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
Consumer complaint received 2024-05-05 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: OH

Complaint narrative:
I have disputed several items on my Credit Report with Transunion and its been more the 30 days. ( 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them )

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 2024-05-05 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: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, TransUnion, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of address.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX I attempted to file a dispute online with Experian requesting the investigation and removal of the XXXX XXXX  account XXXX. The account is more than XXXX XXXX XXXX. Experian would not allow me to file a dispute stating I had already filed a dispute for this item. However, if you look at the last time this account was disputed was XX/XX/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 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX  XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Upon the completion of your investigation and subsequent corrections, I kindly request the issuance of an updated 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 2024-05-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Once more, I must emphasize my disagreement with the items listed below, which persist on my credit report despite your prior investigation. I am formally requesting an immediate re-investigation of these inaccuracies. Their presence is significantly detrimental to my credit score, especially regarding the XXXX  XXXX Account XXXX. As stipulated by The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I respectfully demand the provision of the names and business addresses of each individual you consulted to verify the aforementioned items. This information is crucial for me to pursue further action if necessary. Upon the completion of your investigation and subsequent corrections, I kindly request the issuance of an updated credit report.

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

Complaint narrative:
I need to inform you I was the victim of identity theft. I'm disputing this account as this was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit. 

XXXX XXXX. 

Please dispute this account. That was opened without my knowledge, authority or consent. Please send me the results to my address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I did not give this company permission to open an account in my name using my information. I have requested this debt be validated numerous times as it does not belong to me. I also provided a police report and was never provided any proof nor was this account removed upon my request. My attorney would like to pursue arbitration since the company is refusing to remove the account after countless attempts on my own have been overlooked. This has caused undue stress and has affected my life tremendously.

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 2024-05-05 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 need to inform you I was the victim of identity theft. I'm disputing this account as this was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit. 

XXXX XXXX. 

Please dispute this account. That was opened without my knowledge, authority or consent. Please send me the results to my address.

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 2024-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I got a Capital One XXXX XXXX credit card that advertised 0 % APR for all purchases for 18 months. 

I kept a balance on the card for all my purchases. And every month, as advertised, no interest was charged on the balance I had. 

On XX/XX/XXXX, I called Capital Customer Service to check when the 0 % APR promotion would end. I was told the last date of the promotional rate was XX/XX/XXXX. 

On XX/XX/XXXX, I paid off the entire balance so I would not incur any additional interest or fees. Yet, I was charged an interest of {$120.00} on XX/XX/XXXX. I noticed the charge on today ( XX/XX/XXXX ) and called customer service to get it resolved. 

Customer Service refused to help in any way - only to say I was misinformed on XX/XX/XXXX when I called in. 

As a matter of principle, I would like Capital One to stand behind what their customer service agents advised when I called in and reimburse me the {$120.00} that was wrongfully charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
In accordance with the FCRA, ( Experian, XXXX, XXXX, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX account # XXXX ) I am Attaching identity and proof of address.

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 2024-05-05 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: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, XXXX, Equifax, ) have violated my federally protected consumer rights to Privacy and confidentiality under 1681. According to 15 U.S.C 1681b ( a ) ( 2 ) I DID NOT give Anyone written permission to furnish these accounts to my credit profile. I have the list of Accounts that I will post here! ( XXXX  account # XXXX ) I am Attaching identity and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting to my credit reports. I never received any notifications in regards to the investigation results. It has now been more than 30 days. I filed a 30 day demand to comply, with the credit bureaus and still have yet to receive a response.

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TransUnion still has yet to respond about correcting their errors of my credit age. Ive HAD CREDIT FOR 2 YEARS NOW

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 2024-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please delete off my credit report!!!! 

Notice : Opt-Out Disclosure and Rights to Privacy Warning : This is not an inquiry, nor a request. This is a demand for you to comply with my opt-out demand and to stop the infringement of my rights to privacy!!!!! This demand is not to restrict the reporting of certain information, this demand is for you to delete any and all information you are sharing!!!! Opt-Out Notice to your Corporation : Unbeknownst to me, I gave consent for you to share my non-public personal information. 

I, XXXX XXXX, am revoking, rescinding and demanding to be opted- out of any permission or consent I have given your Corporation to share any information, transaction history and details of my non-public information between you and I. 

AFFILIATES do not include Consumer Reporting Agencies such as Credit Bureaus : XXXX XXXX, XXXX, Transunion, XXXX, XXXX, etc. as these companies provides a paid service to your company, this opt-out notice, of my non-public information between your company and I, shall be removed from all platforms immediately. 

Notice of Right to Privacy : I have a right to privacy of my nonpublic information and am protected under the GRAM LEACH BAILEY ACT -Privacy Rule. 15 U.S. Code 6801 - Protection of nonpublic personal information ****Upon receipt of this letter and to prevent any further damages to my Rights to Privacy, I am demanding the immediate removal of personal data and transactions of all companies you pay or voluntarily report my personal information, data and transactions to. 

Know that there are no permissible purposes are consent to share my information as of XX/XX/2024 by I, XXXX XXXX, the consumer pursuant to 15 USC 1681 ( c ) ( 2 ) You are also civilly liable upon receipt of this notice and is in violation of my rights Pursuant to 15 USC 1681o under the Fair Credit Reporting Act and will be subject to a fine made payable to me in the amount of {$1000.00} per violation. 

Respectfully, 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 non-monetary relief