vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/24, I received letter in my mailbox from BestBuy/Citi 's fraud verification department asking me to call in to verify if I was the person who opened the credit card account. I called in and told them very clearly that I DID NOT open any account with them and it must be fraudulent. They said they will close it immediately. 
On XX/XX/24, I received a letter dated XX/XX/24 that they will investigate on this fraudulent account. On the same day, I received a statement letter asking me to pay the amount of {$1000.00} that was used on XX/XX/24. 
On XX/XX/24, I received a letter dated XX/XX/24 stating that they have finished investigating and hold me responsible for the statement because they said they can not verify that the account was fraudulently opened using my personal information. 
On XX/XX/24, I called to to complaint this issue to ask them to reinvestigate, no response. 
On XX/XX/24, I called BestBuy/Citi again because the account is showing up as a delinquent account on my credit report. I have successfully disputed with the credit bureau. But BestBuy/Citi is not taking any actions and want to hold me responsible for them not doing their job correctly. 
On XX/XX/24, I called again and had them reopened my case. 
On XX/XX/24 today, I received a letter dated XX/XX/24 saying that they can not verify that the account was fraudulently opened using my personal information. I also received a new statement from BestBuy, having the total of {$1200.00} due to all the " late fees ''. 

Other than BestBuy/Citi bank , my identity was used fraudulently for XXXX and XXXX XXXX as well , but they were all able to solve the issue except for BestBuy/Citi. I did not even know about these accounts until I start receiving letters in my mailbox. 

As of now, BestBuy/Citi keeps on sending me letters and statements that I should not be responsible for, I want this issue to get resolved.

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: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
on the XX/XX/21 I fill and sent a person check # XXXX from chase with the total amount of {$2600.00} which is my rent money directed to the company that rents me my apartment. 

as soon I received my next monthly rent bill, I find out that they never received the check, I call to the bank and they opened an investigation about it.the che was cashed out for someone else and another bank account. 

they closed the case XXXX years ago, for lack of information that's what they said. 

I been calling them since the fraud and they having done nothing to get this issue done.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
XXXX Customer service representative was very rude. I explained that I had a pending Business Amazon Account and it wrong bottom on Amazon of a credit card. There was no sympathy from XXXX. XXXX and XXXX understood and filed a dispute. I have experience the same with Chase card in the past and said I would never get another card. I did not need the card accident in error hitting the wrong card because I already have a Chase XXXX card. I wanted to report to the Consumer Finance Bureau of my horrible experience of the misunderstanding from XXXX. I am still waiting on the pending approval from Amazon Business Card although I hit wrong button for the Chase card that was denied and caused my credit score to decrease XXXX points. I want my XXXX points back on my credit report due to the card was hit by button in error. 

Amazon, Chase or XXXX was not able to help me.

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: LEXISNEXIS
State: AR

Complaint narrative:
In accordance with the FCRA, ( XXXX, 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, XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX ) I am Attaching identity and proof of 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is a formal complaint regarding the failure of TransUnion to adequately address my identity theft report concerning a fraudulent account on my credit report. Despite numerous attempts to rectify this issue, the consumer reporting agencies have failed to take appropriate action to resolve the matter. 

On XX/XX/year>, I discovered that there was a fraudulent account listed on my credit report, which I believe to be a result of identity theft. Immediately upon discovering this discrepancy, I followed the proper procedure by filing an identity theft report with the relevant authorities and submitting a dispute to the consumer reporting agencies in question. 

Despite providing all necessary documentation and evidence to support my claim, including the identity theft report and any additional requested information. TransUnion have failed to take meaningful action to address the fraudulent account on my credit report. This negligence has not only damaged my credit score but has also caused significant distress and inconvenience.

I have made a attempts to communicate with the TransUnion to resolve this matter, but my efforts have been met with inadequate responses and delays. It is evident that the consumer reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ) to investigate and correct inaccurate information on my credit report, particularly in cases of identity theft.

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) intervene in this matter and compel the consumer reporting agencies to : Conduct a thorough investigation into the fraudulent account on my credit report. 
Take prompt and appropriate action to remove the fraudulent account from my credit report. 
Implement measures to prevent similar incidents of identity theft in the future. 
I have attached copies of all relevant documentation, including the identity theft report and correspondence with the consumer reporting agencies, for your reference. 

I urge the CFPB to take swift action to address this matter and ensure that the consumer reporting agencies fulfill their obligations to consumers under the FCRA. 
Attached is a copy of the FTC report. 

Thank you for your attention to this serious issue.

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: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I paid for a service and the service fell apart. I was told by chase I needed to Call XXXX I was told by XXXX I needed to call chase. I spoke with 5 representative in 1 your and no one column resolve my issue of filing. A claim

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 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: GA

Complaint narrative:
so back in XXXX i bought a vehicle with us auto sales and in XXXX they sold the company to west lake portfolio and now its as if my auto loan started over and im being charged XXXX for a used hyumdai tuscan XXXX this car is not worth that amount

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 information incorrect
Company: EQUIFAX, INC.
State: AL

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

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: Uplift, Inc
State: NY

Complaint narrative:
I am facing financial harassment and severe damage to my credit due to actions by the debt 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  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: 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: 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 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' JPMCB is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' JPMCB, the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, and JPMCB whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' JPMCB Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXXXXXX account for {$600.00} has been paid off. Experian is reporting The account has been charged off but has been paid in full that its over the credit limit. Please look into Experian due to the fact they keep on saying that this account is 100 % accurate and verified. Meanwhile, the account was on charge status and it paid in full, but Experian is reporting its over the credit limit.

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 2024-05-06 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: TX

Complaint narrative:
Several inquiries have been on my credit reports without my having created them myself. I have filed a report with the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I submitted required documents to request a security freeze from the company Teletrack. 
XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. I also submitted the reason for the security freeze. I have reason to believe that my ex-husband has my information as he already has done damage to my information. ( me ) According to the law the company, Teletrack has broken the law. Civil liability for willful non-compliance 15 US Code 1681 ( n ) I will gain counsel to secure my rights.

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 again, I want to stress 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 significantly harms my credit score, particularly concerning the XXXX XXXX Account XXXX. As outlined in The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am entitled to the names and business addresses of each individual you consulted to verify the aforementioned items. Please provide this information promptly to facilitate my follow-up. Upon the completion of your investigation and necessary corrections, I kindly request 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 again, I want to stress 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 significantly harms my credit score, particularly concerning the XXXX XXXX Account XXXX. As outlined in The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsections A-D, I am entitled to the names and business addresses of each individual you consulted to verify the aforementioned items. Please provide this information promptly to facilitate my follow-up. Upon the completion of your investigation and necessary corrections, I kindly request an updated credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
I requested that PMI be removed from my account by calling Ally Bank. The agent looked at my account and said I qualified to request removal and I was instructed by Ally 's agent to email my request to XXXX. So I emailed on XX/XX/year> after the phone call to the email address provided requesting removal. I recieved a letter stating that to remove PMI I need to submitt payment for either an assessment or a BPO assessment in which I sent payment and my check cleared the bank on for the XXXX assessment on XXXX XXXX, XXXX. I have been asking for updates as I have not recieved any XXXX  assessment which I paid for nor my request for PMI removal. I pay an extra principle payment of $ XXXX a month to pay my house off early and have never missed a payment. My PMI is currently at 23.5 % in which I feel Ally is taking thier time as I continue to get charged PMI until it drops off as a requirement. Please help me escalate this process as its unfair that I did my part regarding the loan and the request. I keep getting the run around from Ally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I am writing to lodge a complaint against KAYS Jewelers regarding a {$440.00} interest charge imposed on an account belonging to my husband, and myself. The account was fully paid off and was recently under a promotional plan from XX/XX/XXXX to XX/XX/XXXX. This plan offered a 12-month interest-free period, during which we made monthly payments of {$74.00} toward our {$2700.00} balance. The promotional period ended on XX/XX/XXXX, after which we expected any interest charges to commence if the balance remained unpaid. 
Before obtaining the card, a representative at the XXXX XXXX branch in XXXX, NC assured us that interest charges would only apply after the 12-month promotional period if the balance remained outstanding. Consequently, we believed that interest for the first year would be waived entirely and would only begin accruing thereafter if the balance wasn't cleared within 12 months. However, on XX/XX/XXXX, we discovered a significant interest charge posted to our account on XX/XX/XXXX. To our dismay, we were informed that we owed a year 's worth of interest for the uncleared balance that remained on the account after the 12-month promotional period. This information was not disclosed to us during the card application process, leading us to continue making minimum payments into the 13th month. Had we been aware that a lump sum of 12-month accrued interest would be imposed instead of monthly interest starting onward from the 13th month, we would have paid off the balance much sooner. Following a discussion with a representative, we promptly paid the entire balance of {$1400.00}. The representative assured us that they would request the branch to acknowledge the payment and remove the interest charges. However, despite expectations of receiving email confirmation regarding the status of this request, we have not been contacted.

Company response to consumer: Closed with explanation