vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-05 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: NC

Complaint narrative:
I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXXXXXX XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXXXXXX

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 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My father was targeted by a scam which procured his cell phone number, and that information was used to clone a phone call that he made to a phone number *provided by Chase Bank* My checking account, which was linked to my father 's account, was illegally accessed and {$13000.00} was removed from my account without my consent. 

Chase Bank has refused to reimburse the loss, and has said there is nothing they can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: OR

Complaint narrative:
I took out a secured loan on my vehicle in XX/XX/XXXX. I made payments on this loan monthly until a major XXXX  incident that lasted over a year and is still being treated. I was financially forced to file bankruptcy. During this stay I was not able to make payments. In XX/XX/XXXX my XXXX was discharged. The loan company XXXX XXXX XXXX ) tried to work with me as my XXXX attorney did not submit for a reaffirmation, so the company was set to repossess my car. I made payments to bring the account current. In XX/XX/XXXX, I set the account up on auto payments. Each month the payment came out on time and there was never a missed or late payment. 
On XX/XX/XXXX, I called to get the payoff amount on my account as a family friend wanted to help my stop paying such a high interest. I paid {$4800.00}. Once I made this payment my account updated and my account transaction history showed late payments from XX/XX/XXXX to XX/XX/XXXX even though the account was on auto. In addition to these fees, I was charged for the XX/XX/XXXX payment even though the account was paid off before this date. The only late fees that should have been on the account were for XX/XX/XXXX to XX/XX/XXXX. I was aware those late fees would remain on the account until the account was paid off. Those fees were billed and paid under confirmation # XXXX. No late fees were additionally billed on my monthly e statements. 
I called on XX/XX/XXXX and spoke with XXXX in the XXXX department, she could not give me an answer as to why this had happened. She advised she would have a manager called me back. On XX/XX/XXXX no manager called back. XX/XX/XXXX was a holiday. On XX/XX/XXXX I called back again to find about getting my refund of these incorrect billings. I was transferred to a manager in XXXX XXXX we went over the account, he did not appear to understand the billing either. He advised he would get with accounting on XXXX  XXXX and give me a call back once there was some resolve. He did not call me back on XXXX, or XXXX ( by end of business day ). Based on the companys own transaction history there was no monthly late fee charged, the payment were billed and paid in full ( via auto pay ). 
Requested resolve the company to refund me the invalid late fees and the XX/XX/XXXX payment. {$30.00} late fee x 9 months= XXXX plus the XX/XX/XXXX payment of {$300.00} for a total of {$570.00}. In addition, I would like the interest refunded that was paid on this balance at 99.59 % APR.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 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: MI

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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 information is inaccurate.

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 2024-12-05 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: MI

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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I deposited a check for XXXX from the IRS into my account at Navy Federal Credit Union. The bank immediately placed the check on hold and applied a permanent restriction on my account, preventing me from accessing my funds. On XX/XX/year>, I provided proof of the checks authenticity and proof this check was mailed to me XXXX XXXX with the last 4 of my social attached as proof this check belonged to me. Despite this, the bank continues to hold my funds and refuses to lift the restriction.

When I initially inquired about the hold, the bank claimed it was due to suspected check fraud, without making any attempt to verify the check. This accusation was made before any verification efforts, even though a simple call to the IRS would have confirmed the checks legitimacy. I have repeatedly requested that the bank contact the IRS for verification, but they have refused.

Furthermore, Navy Federal Credit Union informed me that the only solution available was to file an appeal. This is both unlawful and constitutes a form of theft of funds, as it forces me to prove the legitimacy of an already verified government-issued check. According to Regulation CC and the Expedited Funds Availability Act ( EFAA ), funds from U.S. Treasury checks, such as those issued by the IRS, must be made available by the next business day. Navy Federal Credit Union has failed to comply with these regulations and has not provided a valid reason or timeline for the extended hold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: TX

Complaint narrative:
I am writing to inform you that I am a victim of a data breach and identity theft. As a result, the following unauthorized account has appeared on my credit report. Pursuant to 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete this account from my credit report immediately. 
Unauthorized Account : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Date Opened : XXXXXXXX XXXX  Amount : {$1300.00}

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 2024-12-05 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: CA

Complaint narrative:
I, XXXX XXXX, am disputing inaccurate information on my credit report. Pursuant to 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release of my personal information to the companies listed below, violating my privacy rights. Furthermore, there are unauthorized inquiries on my report, indicating identity theft. Under 18 U.S.C. 8, I do not owe any debt to these entities. I demand immediate removal of the disputed items and inquiries to correct my credit report. 
Please confirm the removal of these entries promptly. 
Sincerely, 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
Consumer complaint received 2024-12-05 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, XXXX XXXX, am disputing inaccurate information on my credit report. Pursuant to 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the release of my personal information to the companies listed below, violating my privacy rights. Furthermore, there are unauthorized inquiries on my report, indicating identity theft. Under 18 U.S.C. 8, I do not owe any debt to these entities. I demand immediate removal of the disputed items and inquiries to correct my credit report. 
Please confirm the removal of these entries promptly. 
Sincerely, 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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-12-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
As per FCRA 605B it's illegal to report anything on my credit without my permission. Any debt Disputed should be reflected as so or deleted. Please remove this inaccurate information within four days of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Control, LLC
State: FL

Complaint narrative:
XX/XX/XXXX received letter notifying me of a debt, for a bill I've already paid. Claimed I owed {$25.00}, but attached shows I paid through the online system. Online systems should have XXXX errors and they XXXX ( XXXX ) is double billing. 

Info about debt collector and debt : Credit Control , LLC on behalf of XXXX XXXX XXXX XXXX XXXX ) for account number ending in XXXX ( the last 4 digits of under Bill Number, on attached ) Credit Control , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX www.credit-control.com Dated XX/XX/XXXX ( received XX/XX/XXXX ). 
Reference # 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 2024-12-05 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-12-05 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
Complaint Regarding Car Loan Terms and Dealership Practices To Whom It May Concern, I am writing to formally file a complaint regarding my car loan with Truist Bank and the practices of the XXXX XXXX XXXX XXXX IL from which I purchased my vehicle, a XXXX XXXX XXXX. 

Details of the Situation : Date of Purchase : XX/XX/XXXXXXXX  Vehicle Purchased : XXXX XXXX XXXX Loan Amount : {$51000.00} APR/Interest Rate : 6.30 % APR Loan Term : 55 months ( current term ) Monthly Payment : {$750.00} Upon purchasing the vehicle, I was misled about several key aspects of the deal : Misrepresentation of Vehicle Price : The vehicle was advertised online for {$35000.00}, but I ended up paying {$51000.00} for the vehicle. This significant price discrepancy was never fully explained to me, and I was not provided with clear justification for the inflated cost. 

Manipulation During Vulnerable Time : I had just been involved in a traumatic car accident prior to visiting the dealership. I feel the salesperson took advantage of my emotional state and pressured me into agreeing to a deal that I was not fully comfortable with. 

Unprofessional Sales Tactics : The sales representative from XXXX XXXX XXXX XXXX not only misled me about the vehicle price but also displayed unprofessional behavior after the sale. The salesperson asked me to go out for drinks after finalizing the deal, which I found inappropriate and unprofessional in a business setting. 

Unreasonable Loan Terms : The terms of the loan from Truist Bank, coupled with the inflated vehicle price, have left me with monthly payments of $ XXXXa financial burden that I am struggling to keep up with. The loans APR of 6.30 % is also much higher than what I was led to believe. 

Actions Ive Taken : I have attempted to address these issues with both Truist Bank and XXXX XXXX XXXX XXXX directly, but I have not received a satisfactory resolution or explanation. Despite my concerns, I have not been offered any assistance with refinancing or adjusting the loan terms to reflect the fair market value of the vehicle or a more reasonable repayment schedule.

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 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I have contacted ally auto to update my information. They say theyve updated my phone number to give me access to my online profile. Despite numerous phone calls, most calls being sent overseas, the issues with logins continue. Even after 5 different calls. 

Instead, Im sent to make my vehicle payment through a vendor that charges me {$5.00} in addition to my payment. 

This is absolutely ridiculous and unacceptable. They give massive interest rates and make making a payment almost impossible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am writing to formally dispute the reporting of my account, XXXX which is inaccurately labeled as " Closed Account. '' I believe this designation to be incorrect, and I am requesting a thorough investigation and correction under the Fair Credit Reporting Act ( FCRA ), particularly under 15 U.S.C. 1681s-2 ( b ) ( ii ) and ( iii ). 


The " Closed Account '' status on my account is inaccurate because the is reporting inaccurate late payment dates According to 15 U.S.C. 1681i : The FCRA allows consumers to dispute inaccuracies in their credit reports and obligates furnishers to investigate and correct errors promptly. The late dates are different on all three report dates, The activity dates are different as well. This misrepresentation may negatively impact my creditworthiness and does not reflect the actual history of my account. Due to the inaccurate information this account needs to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-05 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: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
I am filing this complaint against Midland Credit Management for violations of the Fair Credit Reporting Act ( FCRA ). They are reporting an account opened with them on XX/XX/year>, which is inaccurate and violates my rights under the FCRA. 
Specifically : I have never opened an account with Midland Credit Management. 
They have no proof of my agreement to open an account, including my wet signature. 
The reported date of XX/XX/year>XXXX  is incorrect and impossible, as it is a future date. 
These actions violate 15 U.S.C. 1681, which protects consumers ' right to privacy and accurate reporting. Midland Credit Management has failed to follow reasonable procedures to assure maximum possible accuracy of the information they are reporting, as required by 15 U.S.C. 1681e ( b ). 
I request that the CFPB investigate this matter and require Midland Credit Management to remove this inaccurate information from my credit report immediately. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation