vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-23 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: TX

Complaint narrative:
Hello, on XXXX, XXXX XXXX  I went to XXXX to finance a used vehicle. At the time of finance, I only authorized for my credit to be checked once in House. Now that I am reviewing my credit report, it appears that my credit was ran multiple times. This is affecting the number of inquiry that I have on my credit report, and it has a significant impact on my credit score.

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 2024-01-23 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: MO

Complaint narrative:
Consumer NOTIFICATION of unproven and or Faulty Transfer and Payment Record information, untrue information, incorrect facts, incomplete data, not certified amenably recorded details or else wise not adequate of mandated validity and of applicable and mandatory reporting standards, to include but not limited to those requisites by the FCBA, FCRA, FDCPA, FACTA, HIPAA PR, TILA, and or XXXX ( XXXX XXXX Compliance format ) reporting regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: MO

Complaint narrative:
Consumer NOTIFICATION of unproven and or Faulty Transfer and Payment Record information, untrue information, incorrect facts, incomplete data, not certified amenably recorded details or else wise not adequate of mandated validity and of applicable and mandatory reporting standards, to include but not limited to those requisites by the FCBA, FCRA, FDCPA, FACTA, HIPAA PR, TILA, and or XXXX ( XXXX XXXX Compliance format ) reporting regulations.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a text message with a screenshot of my personal account bank statement from my business partner asking about my personal account funds and then I came to realized that my business partner had access to my personal account for almost over 8 months without any of my authorization. 
In XX/XX/XXXX when my business partner joined the business we went to the bank and gave him access to our business account, but somehow he was was able to switch user online into my personal account and had access to all my personal finances through his personal devices. This is unacceptable and a huge privacy problem and right now my business partnership is at risk due access to unauthorized information that my partner had access to. 
Institution : Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX, FL, 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 2024-01-23 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: OH

Complaint narrative:
I submitted a complaint to the bureaus and they haven't responded on it, it's been more than 14 days. They just ignore my disputes and I'm not happy about that, cause it's affecting my name, personal life. PLEASE HELP!

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have over {$2000.00} in my savings account with chase. The total amount should be {$2500.00}. I woke up one morning tried to withdraw my money and my accounts were closed. No notice was issued and no one could tell me why my accounts was closed. The money in my saving was for my rent the money I was behind. They have been giving me the run around being rude having me drive 1 hour to the bank for false hope and I cant take it anymore. Im going to lose my house if I cant get the money from my account to pay. I have not been able to buy food or put gas in my car all my money is in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: FL

Complaint narrative:
I discovered that undisclosed personal information was shared with a non-affiliated third party without my written consent. This violates the Fair Credit Reporting Act ( FCRA ) and my right to control the disclosure of my personal data ( 15 U.S.C. 6802, 15 U.S.C. 1681b ). As per the FCRA, I must be informed and empowered to opt out of such disclosures, which did not occur.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 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: AZ

Complaint narrative:
The creditor performed this inquiry without permission ; it is not authorized! Remove it at the earliest.

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 2024-01-23 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 am highly disappointed with this company with the way they are handling this issue I am writing to have the following information removed from my credit file, the items that i need deleted are going to be attached in a word document, I am a victim of identity theft.I have mutiple accounts I DID NOT apply for listed on my credit report.I ask that these items be deleted so my credit report will only show accurate information.I reported the theft of my identity to the federal trade commission and enclosed copies of the report, I will like these items deleted from my credit report as soon possible.I have attached my affidavit and other supporting documents

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 2024-01-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: ID

Complaint narrative:
I made this month {$640.00} in payments to this loan which should have more than paid the interest and they added nearly {$500.00} to the interest so now even with the payments my interest which was XXXX is now nearly {$1000.00} This is not the interest rate they claim to be charging even before this as they were claiming 5 % and not this but they add the payments to what I owe instead of reducing them. I should have at least {$200.00} on the principal but they do not even show the {$200.00} payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: TX

Complaint narrative:
This complaint is in regards to XXXX XXXX XXXX XXXX XXXX XXXX. I opted out from this company XX/XX/XXXX. They are violating my federally protected consumer rights. The Privacy Act of 1974, 16 CFR 433.2- Preservation of consumers ' claims and defenses, unfair, or deceptive acts or practices ; 16CFR 433.3-Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 16 CFR 433.2 ( A ) ; 15 USC 1681-Permissable purpose, 15 USC 6802-Obligations with respect to disclosures of personal information, 15 USC 6805-enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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: CA

Complaint narrative:
On XX/XX/XXXX, I informed Equifax by mail that there was incorrect and/or outdated information reporting on my credit file. I've asked Equifax to correct this information several times.. The incorrect information gets removed from my report, and months later the incorrect information comes back on my report. Equifax only temporarily corrects the problems. I am asking Equifax to thoroughly read my documents and remove the incorrect information I have listed. I informed Equifax in writing once again on XX/XX/XXXX, that the incorrect information has returned to my credit report. I, XXXX XXXX, am currently disputing items on my Equifax report. The incorrect information that Equifax has, is only reporting on Equifax. No other credit bureau is reporting this incorrect information. There is no third party acting on my behalf. I have attached the proper identification to verify my identity. Equifax has accused me of using a 3rd party to act as myself. This is a lie and a known stall tactic being used by Equifax. There are no other persons or any credit company acting on my behalf. Attached are my proof of documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I deposited {$1400.00} through an ATM on XX/XX/XXXX @ XXXX The ATM spit out an error and a receipt telling me to call a number to confirm the deposit. The number is XXXX with a ( XXXX ) at the bottom of the number. I called the number explain the situation and was given a temporary credit and was told they will check the machine and get back to me. They got back to me today XX/XX/XXXX and told me the ATM had a 100 % accuracy and no discrepancy was noted and they are taking the {$1400.00} credit back out of my account. I called into the claims department explain to the person I am not sure what resolution they came up with but I deposited the money and that I even had the serial numbers of lot of the bills as I took a picture of the money luckily before the deposit. They said it did not matter and this was the resolution. I explained they can check the camera feed from that exact time and day and will see me depositing the cash. I was then told I need to file a police report with " local law enforcement '' as they do not have access to the camera. I asked for a manager and was transferred to someone by the tame of " XXXX '' as the " department manager '' He repeated all the same stuff. I asked what am! supposed to do and explain my money was being stolen by them. They advised go into a branch and talk to them. I first went into the first branch closest to me- XXXX XXXX XXXX XXXX, XXXX, OR XXXX and spoke with the teller " XXXX ''. He listen to my story and said that was unfortunate and nothing they can do. I said this was not acceptable and I need help. The lead by the name of " XXXX '' came and told me nothing they can do. They can re-submit an escalation to have this " reviewed further ''. I left after they submitted another dispute for me. I did some research and found an alarming number of stories other consumers had with chase through social media posts that matched my exact situation. I quickly went to another brand near my house to see if I can get help from someone else. I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OR XXXX and they provided no help. I withdrew the remaining funds out of my account to keep any more robbery from occurring by this bank. I came home and filed a police report with none emergency line. They advised me they could not help with this matter and directed me here. I have the receipt the ATM spit out when I did the deposit and picture of the money I deposited show casing some of the serial numbers and Chase has a video of me making the deposits. I am not sure how else to prove Chase is at fault here and refusing to assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-23 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: IL

Complaint narrative:
I am writing to dispute certain information in my credit file that I believe is inaccurate. The items I am disputing are listed below, and I am requesting that they be investigated and corrected as necessary, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
* XXXX XXXXXXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * XXXX  XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$200.00} * XXXX  XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$1100.00} * XXXX XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$130.00} * XXXX Account ending in XXXX * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$24.00} * XXXX XXXX XXXX Account ending in XXXX ( XXXX instance ) * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$9200.00} * XXXX XXXX XXXX Account ending in XXXX ( XXXX instance ) * Reported on : XX/XX/XXXX * Account Status : Collection * Date Closed : XX/XX/XXXX * Past Due : {$11000.00} Under the FCRA, specifically 15 U.S.C. 1681l, any adverse information must be verified before being included in a consumer report. Additionally, under 15 U.S.C. 1692e of the FDCPA, false or misleading representations in connection with debt collection are prohibited. I believe these items are inaccurate and request a thorough investigation into each. If these items can not be verified or are found to be inaccurately reported, I request their immediate correction or removal from my credit report. 
Please update my credit record accordingly and send me a corrected copy of my credit report. If you require any further information or documentation from me, please do not hesitate to contact me. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-23 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: CA

Complaint narrative:
From XX/XX/XXXX to about XX/XX/XXXX, I was a victim of identity theft where an unknown person was using my name and personal information to open multiple bank accounts XXXX XXXX XXXX XXXX and XXXX ), as well as lease an apartments ( XXXX XXXX XXXX ) with my identity. The total amount was {$5700.00} dollars. I have alerted banks creditors and leasing agents to try and help resolve this issue. To my knowledge the thief opened up a bank accounts in XXXX XXXX and leased apartments in XXXX XXXX Nevada.

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 2024-01-23 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: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX Your are in Direct Violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX, ( XXXX ) XXXX ) has violated several of my rights. 

15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.

15 US.C 1691 Section 604 A Section 2 : it also states a consumer reporting agency can not fumish an account without my written instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2024-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To whom it may concern, this complain is related to the first complained i have filed with BMO bank, i was notified that the investigation was done & completed but only one of my complain was resolved ( MY dispute with XXXX charge ) NOT the ( XXXXXXXX XXXX ) that i have also filed which is the a missing refund coming from the merchant ( XXXXXXXX XXXX ) i will attached all proof below that there is a refund indeed made to my account which is a screenshot but for some reason BMO bank failed to explain/disclosed where & why all this info about the refund from XXXX was not showing anymore on my bank statement even the authorization that was originaly showing to my account which is a proof of refund that is being process, i also would like to complain that due to the incorrect Hold 's being done by BMO to my money for 3 month 's since XXXX for this case # XXXX, they charge me {$15.00} & {$3.00} fees on XXXX for being overdrawn while they were investigating my complain on the ( XXXX ) they Don't want to fix/waived due to there mistake Not releasing my FUNDS & reason why my acct was on a negative, they also lock our ( XXXX ) after i filed a complain without us notifying ( owner ) that is why we can not transfer the money we have been waiting for month, until my husband complain to the branch and notify them that it is illegal for them to Lock our acct w/out any Notice .Pls help and assist us with this Unfair service being done by the bank and help us resolved this issue that we have been dealing for Month 's now since 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 2024-01-23 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 did open these accounts please remove thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-23 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 did open these accounts please remove thank you

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 2024-01-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Was sent a card I didnt apply for on XX/XX/24. Called the XXXX  on the notice and they said they would open a case but were unclear as to whether the card has been activated or whether the account will be closed.

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 2024-01-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The inquiry carried out by the creditor was not authorized ; it must be removed promptly.

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