vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-11 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: FL

Complaint narrative:
Re : Dispute of Charge-Off Account under the CARES Act, FCRA, and TILA Account XXXX XXXX Creditor Name : XXXX Dear CFPB, I am writing to formally file a complaint against XXXX for inaccurately reporting a charge-off account on my credit report. This action is inconsistent with the protections established under the CARES Act, the Fair Credit Reporting Act ( FCRA ), and the Truth in Lending Act ( TILA ). 

CARES Act During the national emergency caused by the COVID-19 pandemic, I applied for and was approved for a financial relief program provided by XXXX. Under the CARES Act, creditors were required to provide payment deferrals or modifications and report the accounts in a favorable status while participating in these programs. Despite complying with the terms of the program, my account was marked as charge-off, which is a violation of this law. 

Fair Credit Reporting Act ( FCRA ) According to the FCRA, creditors and credit reporting agencies are required to report accurate information. Reporting my account as charge-off is incorrect and unfairly damaging my credit history. I am requesting the CFPBs intervention to ensure that this error is properly investigated and that the charge-off status is removed from my credit report. 

Truth in Lending Act ( TILA ) Additionally, under the Truth in Lending Act ( TILA ), creditors are required to provide clear and accurate information regarding credit terms and any modifications to them. I was not properly informed by XXXX about how the relief program would impact my account or how the status of the account would be reported to the credit bureaus. This lack of transparency is a violation of my rights under TILA. 

Request Therefore, I request that the CFPB investigate this matter and require XXXX to remove the charge-off status from my credit report, as the information is inaccurate. I am attaching supporting documents that show I was part of a financial relief program and that this charge-off classification is incorrect. 

I appreciate your prompt attention to this matter and trust that you will take the necessary actions to rectify this situation, protecting my rights as a consumer. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: FL

Complaint narrative:
On XX/XX/year> someone hacked my chime checking account. The instant I noticed money left my account & this has happened I called my bank, I filed a police report with my local authorities, I reported a scam complaint with my bank and my bank Chime is saying they are not able to reverse funds which were unauthorized. More than half of my monies left my account unauthorized and I want them back. I have contacted all parties involved and my bank continues to say it was authorized when I have called multiple times telling them it was not and that someone has stolen my information. They have not reversed the funds from the unauthorized party. They cant even tell me who this person is! The pay anyone feature does not tell you who this is. I continue to re dispute this but my bank does not want to reverse the money from the culprit. I do not know the person money was sent to. I would like funds to be return from the unauthorized party to me. Money should not be sent to people I do not know or confirmed in a better way to protect from scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
II have been a victim of identity theft and discovered several fraudulent accounts on my credit report. I have taken the necessary steps to address this issue, including filing a police report. Below are the accounts that are inaccurate and not associated with me : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX Account not mine - XXXX XXXX XXXX Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX Account XXXX : XXXX Please eliminate this inaccurate information from my credit report. 

Account not mine - XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

Account not mine - AMEX Account Number : XXXX Requesting removal from my credit report. 

Account not mine - AMEX Account Number : XXXX Kindly remove it from my credit report. 

Account not mine - XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

Account not mine - AMEX Account Number : XXXX Requesting removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items 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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
Deposit a check for a large amount on XX/XX/XXXX at citizens bank in XXXX XXXX. and now I am told it is on hold until XX/XX/XXXX It was drawn on XXXX XXXX XXXX  and taken out of my account XX/XX/XXXX Trying to invest the money with XXXX XXXX and Citizens bank said they will not pay interest until they take it off hold on XXXX XXXX Meanwhile I am losing money at XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: TX

Complaint narrative:
I settled the debt and the account still show on my credit. I was told it would be removed after paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I made a payment to toyota financial services, it was taken from account on the XXXX then for no reason returned on the XXXX, without any notification from toyota as to why. Then when trying to pay before a late fee was applied, I was charged twice because of a glitch on the website. After calling to have the extra payment returned I was promised that the over payment would be returned. Then returned both payments, one by mail and told that I had to make another payment and would be charged late fees and the late payments would be sent against my credit score which they have and has drastically effected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-11 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: NJ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue.

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made on Time : According to my bank statements, the payment was made and processed on time. I have enclosed copies of the payment confirmation for your reference.

Account Closed : The account in question had been closed before the reported late payment, and no charges should have been accrued during that time. Attached are documents showing the closure date.

Clerical Error : There appears to be a clerical error in the reporting date. The date of the late payment does not align with my account history or payment records.

Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act.

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, 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 2024-10-11 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:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of 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 non-monetary relief
Consumer complaint received 2024-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : VALIDATION OF ACCOUNT To Whom It May Concern, I neither affirm, nor deny this purported debt. You claim I owe your company {$730.00}. 
This letter is being sent to you in response to an entry made on my Credit Report dated XX/XX/year>. Please be advised that this is not a refusal to pay the debt, but a notice sent pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) that your claim that I owe you money is disputed, and validation is requested. 
Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt you say I owe you. I am requesting proof that I am the correct party, and there is some contractual obligation which is binding on me to pay this debt. This is NOT a request for verification via E-Oscar or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section of the Fair Debt Collection Practices Act. 
Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. Compliance with this request is required under the laws of state and federal statutes.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?

I require compliance with the terms and conditions of this letter within 30 days of your certified receipt, or a complete removal from my credit profile, in writing, of your claim. In the event of noncompliance, I reserve the right to file charges and/or complaints with the CFPB, and appropriate county, state, and federal authorities. I also hereby reserve my right to take private civil action against your company to recover damages. 
In addition, the Fair Credit Reporting Act states that while this item is being investigate This letter that was sent by certified mail tracking number # XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> time XXXX XXXX  Est. Through United States Postal Service phone number ( XXXX ) XXXX The certified letter was rejected by the debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
I sent a payment to XXXX via the U.S.P.S I usually do not send my payments through the mail but I was going out of town and just dropped it in the mail. I was out of town for a while and when I returned home XXXX XXXX had damaged my home. So I had to stay with friends and relatives because I have XXXX and there was mold in my home. After we were able to move back home I looked through all of my mail that had accumulated during our absence and I found an envelope from the post office. The contents of the envelope contained a mutilated/water damaged check that I had mailed a few months ago. I really did not dawn on me that XXXX did not get the payment that I had previously mailed until I checked my credit score. I found out that I was late for two months. I called and explained what had transpired with the post office and offered to send them the letter from the post office showing that the payment was destroyed. They said there was no need for that and that things happen. On the last phone call the gentleman was going back and forth with the investigation team while I was on the phone that I spoke to said they will fix the lates. However, I received a phone call and was told that they were not going to fix the 2-thirty day lates. I then asked the representative to listen to the call since it was stated that the lates would be removed she said the calls are not always available and she has no access to listen. I asked why do they record calls if you ( the customer and the employee ) have no way to hear them? She told me they are not always available to listen to.

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 2024-10-11 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: TX

Complaint narrative:
I sent a payment to XXXX  via the U.S.P.S I usually do not send my payments through the mail but I was going out of town and just dropped it in the mail. I was out of town for a while and when I returned home XXXX XXXX had damaged my home. So I had to stay with friends and relatives because I have XXXX and there was mold in my home. After we were able to move back home I looked through all of my mail that had accumulated during our absence and I found an envelope from the post office. The contents of the envelope contained a mutilated/water damaged check that I had mailed a few months ago. I really did not dawn on me that XXXX did not get the payment that I had previously mailed until I checked my credit score. I found out that I was late for two months. I called and explained what had transpired with the post office and offered to send them the letter from the post office showing that the payment was destroyed. They said there was no need for that and that things happen. On the last phone call the gentleman was going back and forth with the investigation team while I was on the phone that I spoke to said they will fix the lates. However, I received a phone call and was told that they were not going to fix the 2-thirty day lates. I then asked the representative to listen to the call since it was stated that the lates would be removed she said the calls are not always available and she has no access to listen. I asked why do they record calls if you ( the customer and the employee ) have no way to hear them? She told me they are not always available to listen to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-11 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: TX

Complaint narrative:
I sent a payment to XXXX via the U.S.P.S I usually do not send my payments through the mail but I was going out of town and just dropped it in the mail. I was out of town for a while and when I returned home XXXX XXXX had damaged my home. So I had to stay with friends and relatives because I have XXXX and there was mold in my home. After we were able to move back home I looked through all of my mail that had accumulated during our absence and I found an envelope from the post office. The contents of the envelope contained a mutilated/water damaged check that I had mailed a few months ago. I really did not dawn on me that XXXX did not get the payment that I had previously mailed until I checked my credit score. I found out that I was late for two months. I called and explained what had transpired with the post office and offered to send them the letter from the post office showing that the payment was destroyed. They said there was no need for that and that things happen. On the last phone call the gentleman was going back and forth with the investigation team while I was on the phone that I spoke to said they will fix the lates. However, I received a phone call and was told that they were not going to fix the 2-thirty day lates. I then asked the representative to listen to the call since it was stated that the lates would be removed she said the calls are not always available and she has no access to listen. I asked why do they record calls if you ( the customer and the employee ) have no way to hear them? She told me they are not always available to listen to.

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 2024-10-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mid-Atlantic Finance Co., Inc.
State: AL

Complaint narrative:
I paid my car off in XXXX or XXXX of XXXX. The company then sent me a certificate of title in the state of Florida. I thought it was fine as this was my first car. I live in a different state and I took said document and went to present it to change my tag and etc. the lady told me it was sufficient as there is still a XXXX in the vehicle. Prior to making my last payment I confirmed by voice call that this would be my last payment and I have the date of that call in my other phone. And I soon received a title. But apparently it isnt enough for proof of ownership. 

I asked them to provide me the correct documentation by email as I need it immediately they did not provide such things

Company response to consumer: Closed with explanation