vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
he List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
This account has been paid off and I was told it would be removed from my credit report and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
I was notified that the flood zone changed on my property and that i had XXXXXXXX days to obtain flood coverage. I did so and uploaded the policy to the site they requested. 
Despite my doing so, i received a letter stating that flood insurance was force placed by the servicer. I called and confirmed that they did, in fact, have evidence of the flood insurance but they are saying there is a 'lapse ' which is absurd because i had no way of knowing that the flood zone changed and immediately obtained the necessary coverage. They will NOT provide evidence that the forced placed insurance was cancelled. They say it can take XXXX weeks to obtain such evidence which is absurd since I am expected to get flood coverage immediately. The consumer has to follow the timliness standard but the servicer does not? This is outrageous.

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 2024-05-14 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:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting XXXX XXXX XXXX  Account Number : XXXX Delete this account. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX Account Number : XXXX Please remove it from my credit report. 


4. there is some inaccurate information reporting XXXX Account XXXX XXXX XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Delete this account. 


6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: KEYCORP
State: NY

Complaint narrative:
I discovered on XX/XX/24 that my checking account was drained of approximately {$9000.00}. I immediately froze the account, requested a new debit card and filed a dispute with Key Bank in XXXX, NY. The representative at the local branch was able to pull the transactions on this account and I identified that transactions that I did not make. He submitted the dispute to claims department. Even though some of the disputed transactions occurred in XXXX, NY while I was on vacation in both XXXX, NY on XX/XX/24 and XXXX, Va from XX/XX/24 and XX/XX/24, this claim was denied. I requested a second look at this dispute because the initial denial was predicated on the fact that I was " always in possession of my debit card. '' I never let anyone use my debit card, and most of the fraudulent transactions are at locations that I have never visited, let alone made transactions at. I requested a second dispute and this was also denied, even though my local representation brought the fact that I was not in XXXX when a number of transactions posted to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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:
Delinquent, derogatory, and collection accounts that should be removed. 
XXXX XXXX acct : XXXX XXXX  acct terminated. This is not my account, and I wa t it removed. 
*XXXX XXXX XXXX XXXX XXXX {$4200.00}. This loan was paid in full by court order. Should be removed. 
*XXXX XXXXXXXX XXXX XXXX collection/derogatory {$1400.00}. 
*XXXX  XXXX XXXX XXXXXXXX {$170.00} charge off/collection XXXXXXXX XXXX acct : XXXX {$970.00} collection/derogatory *XXXX XXXX acct : XXXX {$740.00} XXXX/derogatory collection *XXXX XXXX XXXX {$34000.00} student loan opened XXXX XX/XX/1998 transferred to XXXX . It's been paid all school loans paid. Old social security number XXXX XXXX, XXXX XXXX 

REMOVE INACCURATE WITH FAIR CREDIT REPORTING ACT 15 USC 1681 SECTION 604A STATES I HAVE THE RIGHT TO CONSUMER PRIVACY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On Saturday XX/XX/year>, I deposited my first paycheck from my new place of employment into my newly opened Chase XXXX XXXX in the amount of {$10000.00}. The money included expenses I had covered and was being reimbursed for XXXX XXXX across the country ( XXXX XXXX XXXX  ). The representative said that the funds would not be available for approximately XXXX days. He explained that I could call a number to take the hold of the check. I did so, but it was related that I should call back on the first business day which would be Monday XX/XX/year>, which I did. I was then told that I should check back the next day because the funds were pending. Allegedly, XXXX 's XXXX, the bank my employee transacts with, had not released the funds. Checking back today, they then said the money would not be available till XX/XX/year>. After reviewing the Code of Federal Regulation, Title 12, I called Chase back and asked them to contact XXXX XXXX  XXXX saying to at least pay a portion of the money as waiting XXXX days, past the weekend, places me in a financial hardship situation. The code seems to state a hold of XXXX days is required, with an extra XXXX day if deemed necessary. The representative said the banks are under federal regulation, allowing them to hold the funds, and since XXXXXXXX XXXX XXXXXXXX had the funds, there was nothing they could do. I spoke with a lawyer and emailed my payroll department. The lawyer said that it was an exorbitant amount of time to hold the funds of a big company for paycheck, and that I should write the company. Which I did. Chase responded with the same sort of thing. I then received an email from my payroll department stating that the paycheck had already posted the day prior ( XX/XX/year> ) and that I should contact Chase immediately to resolve the issue. I've sent emails to Chase asking for XXXXXXXX XXXX XXXXXXXX contact information and they have not provided it to me. Chase is still holding the money from my paycheck as of XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX, signed an evaluation agreement with XXXX XXXX XXXX XXXX for XXXX XXXX, carrying an evaluation period of 45 days after receipt. XXXX XXXXXXXX were delivered on XX/XX/XXXX. They did not help my hearing. Returned devices on XX/XX/XXXX in person to front desk of XXXX XXXX XXXX. Attending person said they could not provide mw with a receipt, but would email one. Never received email. On XX/XX/XXXX XXXX sent bill to collection agency ( State Collection Service Inc. ) for {$2400.00}. I have evidence placing me at their office on XX/XX/XXXX at XXXX. XXXX XXXX is very hard to reach ( very long telephone holds ), but they deny receiving units. They also refuse to provide alternative communication channel ( email? ). Collectors are now calling me, attempting to collect for units that were returned to vendor within valid evaluation period.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I just spoke with someone at Experian and they informed me that I can't dispute the accounts on the ground that they never responded to me in any regard to my XX/XX/2023 dispute of XXXX  XXXX, XXXX, and XXXX XXXX. Case # XXXX Report # XXXX. In XXXX XXXX XXXX, I sent a notarized and certified debt validation letter with copies of my I.D . and SS card and current bank statement to all three of the major bureaus including Experian. They have never responded to that letter to this day. The only reason I even know the Case & Report number is because they mentioned the dispute in the comment session on the XXXX XXXX account only and I called and asked for them. Afterward, I asked the Experian representative if he could view the dispute letter and he told me all three accounts were listed in it. I sent another dispute letter in XX/XX/2023 mentioning that they had not responded and requesting that they respond back to me through the mail. They did not follow my request and electronically responded at which point I deleted my Experian account to mitigate their refusal to comply with my rights under the FCRA. Twice now they have not responded to my validation request. Once, not at all, and a second time not in writing through the mail as requested.

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 2024-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: GUARANTEED RATE INC.
State: SC

Complaint narrative:
I have been trying to get Guaranteed Rate to approve my property tax exemption for being a XXXX XXXX XXXX veteran since last year. I have sent them my approval letter from the XXXX XXXX Department XXXX XXXX multiple times. I am still being charged for my property tax in my mortgage payment. Also, I was overcharged at the 6 % property tax rate last year ( XXXX ) but approved for 4 % and have been struggling to get them to refund my overpayment. The XXXX XXXX tax office sent the overpayment check back to XXXX XXXX  services for Guaranteed Rate and has been cashed. Guaranteed Rate has now notified me that they have raised my mortgage payment to pay back the shortage amount I already overpaid at the 6 % rate. 

Their response on XX/XX/XXXX, is... 
In reviewing your account, noted and speaking to our XXXX Department, you were approved for XXXX acre and XXXX building. The tax lines have been adjusted, no other changes are needed. Effective XX/XX/XXXX, your payment is {$3100.00}. With a shortage amount of - {$2800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
There are several information list on my credit report and address that are wrong XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX wa XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX XXXX ga XXXX, XXXX XXXX XXXX  XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX, XXXX XXXX XXXX XXXX XXXX, ca XXXX. These addresses are not correct they were made in fraud. I never lived there before and they need to be removed from my credit report. XXXXXXXX XXXX XX/XX/year>, XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, genesis fs card services XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX genesis fs card services inc , XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all these items are fraud i never applied and never lived at these addresses listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
XX/XX/XXXX I've opened XXXX XXXX XXXX for XXXX month with 4.25 % APY with the Ally Bank. 
Initial amount {$100000.00}. This account 's matured on XX/XX/XXXX and has been closed with interest earned {$6000.00}. 
I've complained to Ally XXXX customer service that promised earnings according settled APY should be at least {$6300.00}. 
The case has been opened and in XXXX business days I've got phone call, not from the investigatoXXXX, but from regular phone answering person that bank calculations are correct no further explanations.

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 2024-05-14 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 Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the informationisinaccurate.

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 2024-05-14 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: FL

Complaint narrative:
The info in my credit reports is wrong, making it hard for me to get new credit. When I apply for credit, the errors confuse lenders and paint the wrong picture of my creditworthiness. 

These mistakes seriously harm my financial reputation. So, I formally ask for them to be corrected and removed from my reports. It's crucial that my credit file shows my real financial status for fair assessments by lenders.

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 2024-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CapitalJ Inc. dba Juno
State: CA

Complaint narrative:
I bank with Juno financial. My account as well as everyone elses account has been frozen for 3 days. We are not able to access our accounts, make withdrawals, make payments, or have any way to move our funds. This has caused all my bills to be unpaid and late and Im resorting to having to use only credit cards to get by. No info so far on when this will be resolved. This is causing financial hardship as well as stress and XXXX. My credit will also take a hit from late bills and payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-14 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: NJ

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I have documented all correspondence with your company. Please remove these fraudulent accounts, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I opened an account with Ally Bank on XX/XX/year>. I reached out on XX/XX/year> because I received an error message when trying to enroll in XXXX. I started via online chat and was routed to the 1-800 number as the chat can can not support this kind of issue. The called lasted 30 mins. I was told this issue would need be researched by their XXXX team. Follow up in five days. Contacted them again via chat and phone on XX/XX/year> and the case was still being investigated. I contacted them again XX/XX/year> and a new case had to be started and an new technical would be investigating then a supervisor would contact me in two days. I received no calls, app notifications, messages, or voicemail. Reached out again on XX/XX/year> to ensure my case was being looked at and none of the note reflected all the past troubleshooting we had done. Called again on XX/XX/year> and the supervisor promised to follow up as we getting close to a month. No follow up gain. XX/XX/year> I called and the issue was being looked at. XX/XX/year> We created all new emails and reset all both my computer for the issue to still not be fixed. Today XX/XX/year> I called on my lunch to simply speak directly to the technical team ad directed. She kept me on the phone for an hour, missing my lunch, to finally get transferred and then hung up on by the supervisor. I have been extremely patient. They don't care to help their customers. They just waste time until you hang up.

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 2024-05-14 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:
Kindly delete these inquiries. I have no knowledge of them, and the company made them without my consent.

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