vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Credit Karma, LLC
State: TX

Complaint narrative:
I applied for a XXXX Credit Card. I was never Informed that my credit would be checked and XXXX provided all my personal information to XXXX. Suddenly, I received a letter from XXXX, and on the same day I received an active Visa Debit card from Credit Karma Money. I called XXXX bank explained that I did not apply for a Visa Debit Card from Credit Karma Money. Was told this card did not come from XXXX and in 5-7 business days I would receive the XXXX Credit Card . I asked why did I receive a debit card I did not request. I asked XXXX does XXXX sell my personal I formation? The representative did not know. I told her that running my credit check with XXXX was the only way they would have my full name, address to issue me a debit card. The representative said XXXX doesnt sell personal information, but to call credit karma. I called them and the wanted my date of birth, social security, phone number and more. I refused to share my information. I asked the representative to unsubscribe me from receiving further information. Her replied said unfortunately if you do not provide me with more information I can not unsubscribe. That assured me that Credit Karma debit Visa card is a scam. Customer service XXXX. Please check this company and above all warn others. Thank you so much for all your support.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: GA

Complaint narrative:
Unauthorized transactions occurred on my account due to a hacker getting into my accounts and money was transferred without my authorization resulting in me being a victim of identity theft. Two transactions where made at the same time to the same hacker. 1 transaction was approved for a return but the other was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, all of a sudden I received an email from Chase stating that " after careful review '' they decided to close my accounts. 

This included my checking account and my credit card, everything with no explanation at all. The email said I was gon na receive a letter in the mail supposedly to explain the reasons as to why my accounts were closed, I was very surprised when I see literally no reasons on that letter explaining anything at all. 

I went in branch and they told me exactly the same thing, they said they " were not allowed to provide information in this type of scenario ''. 

They also told me that my credit card was not being affected and it would stay open ( which was a total lie ). 

I'm extremely disappointing at Chase and this stupid way of handling things like if everything was top secret and me not being able to know the reasons why my own account got closed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: NY

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
To file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding Experian 's refusal to remove a charge off account based on the Fair Credit Reporting Act ( 15 USC 611 ), you can use the following template : Subject : Complaint Against Experian for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 
Account Information : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I have previously disputed the accuracy of this charge off account with Experian and provided evidence that the information is inaccurate. However, Experian has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 
Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. Experian 's refusal to comply with this law is a clear violation of my consumer rights. 
I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against Experian for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 
Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that Experian upholds its obligations under the law. 
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 explanation
Consumer complaint received 2024-07-15 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: Self Financial Inc.
State: NJ

Complaint narrative:
re : XXXXSOUTHSTATE BANK late payment XX/XX/year> Account number XXXX I have sent XXXX previous letters to you, certified mail asking you to remove inaccurate information from my file. Because of my request, you all have failed to provide me a copy of any ORIGINAL documentation ( a consumer contract with MY signature ON THE CONTRACT ) which is REQUIRED under Section 609 ( a ) ( 1 ) ( A ). 


According to the FCRA, your failure to reinvestigate is an intentional and negligent FCRA violation. 
Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to properly investigate this account, Not only that, but you have also failed to provide, per my request, the method of verification as required under Section 611 ( a ) ( 7 ) and under 15usc1666 ( a ) proof I received each periodic statement required by section 1637 ( b ) of this title was mailed or delivered to me no later than 21 days before the payment due date. I am due {$1000.00} per violation : 15 U.S. Code 1666 ( a ) Time to make payments Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681b Permissible purpose of consumer reports IN GENERAL-Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: WI

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report 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.

15 U.S. Code 1681i 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a claim with Citibank " On XX/XX/year>, a claim was opened under XXXX for transactions totaling {$19000.00}. A credit was posted to your account on XX/XX/year>. '' Citibank did not provide me with a provisional credit until 1 month later, I was not able to have access to my provisional credit as per the regulation E requirement, I received a cashiers check on XX/XX/year> with tracking number XXXX. I was unable to pay my rent and was evicted from my apartment. 

IOn XX/XX/year>, another claim was opened under XXXX for a transaction on XX/XX/year>, in the amount of {$720.00}, which a credit was issued on XX/XX/year>. The claim was also for another transaction on XX/XX/year>, in the amount of {$200.00}, which a credit was issued on XX/XX/year>. 

I was no given access too any provision credit which violates Regulation XXXX requirement for the bank. 

I have multiple other disputes with Citibank that I won and I have yet to receive any provisional credit. 

Citibank has held on to my funds and left me with alternative to pay my rent. which totals {$10000.00}. I now have a judgement against me from my landlord.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: DC

Complaint narrative:
Mohela opened a new trade-in for my student loan instead of transferring a consolidated loan that was sold from XXXX. Now I show 2 different student loans that shows a XXXX balance. Even though my student loan have been forgiven, they are still being reported under my credit as showing I owe a balance with XXXX, whom reported that they can't update my credit report and that Mohela needs to make the change and update my credit report to show a XXXX balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
I was scammed on cash app for XXXX dollars. I XXXX the number for Cash App and call the number the lady stated her name was XXXX answered and stated that I have been in a security breach and my information including bank information debit card information has been compromised. I was asked to download XXXX XXXX on my phone once the app was downloaded. The call was disconnected and I was called from a different number. The lady stated that her name was XXXX and she would be assisting me with, removing the security breach from my phone, she asked me to open up my bank account information there she retrieved my Social Security number. She had me too upload my daughters debit card to my cash app and move {$500.00} from her account on XXXX which is under my XXXX account to my cash app once the money was moved to my cash app she then had me to send the {$500.00} to XXXX XXXX After that was done she had me to send the XXXX to XXXX once in XXXX she had me to use my passport to verify identity once I verified identity. She removed the money from XXXX. I was given a long code to place in the XXXX XXXX send money section. The numbers that I called were XXXX the number she called back after XXXX XXXX was downloaded was XXXX. In total there was XXXX dollars I didnt authorize taken from cash app.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: TX

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 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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: FactorTrust, Inc.
State: FL

Complaint narrative:
FactorTrust XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Inaccurate Addresses, Update of Correct Information, and Security Freeze Dear FactorTrust, I hope this letter finds you well. I am writing to dispute certain addresses listed on my credit report that do not belong to me. I kindly request that you remove any incorrect addresses and update my credit profile with my actual correct address. 
My correct information is as follows : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, FL XXXX Please find attached copies of my driver 's license and a recent utility bill as proof of my accurate address. 
In addition to the removal of inaccurate addresses, I request that you place a security freeze on my credit report to protect my personal information from unauthorized access. 
Thank you for your prompt attention to this matter. Please confirm in writing that the necessary changes have been made and that the security freeze has been placed. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
Contacted Bridgecrest over the weekend and asked many many questions. I have paid over {$7000.00} on this auto loan since I got in back in XXXX of 2022. The APR is around 22 % or so. Every month when I make a payment my principal balance NEVER decreases and I assumed it was due to some tech issue on their website. 

I asked for a full accounting of all the assessed interest charges and haven't received it yet, they merely sent me a payment history. They are refusing at this point to show how each day since contract inception has accumulated interest and how payments are applied to the balance. What they sent me has not shown that and at this point I feel that Bridgecrest is intentionally hiding it. 

I ran this same loan against an online calculator and there's no world where every dollar of every payment for XXXX years is pure interest, something is fishy with all of this and they refuse to provide why the principal is not going down. The loan is simple interest therefore there should be no front-load of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Would not allow me to change my PIN number to my atm/debit card over the phone and spent 20-25 hours over 8 calendar days to rectify. Once rectified I was not able to make a purchase with card 48 hours after thinking it was fixed and spent an other 30 minutes getting it fixed. As a result this has cost me over a XXXX dollars of business and wasted {$1500.00} of billable hours. Was only reluctantly helped.

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 2024-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Recovery Management
State: NC

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My credit applications are getting denied because my credit report has errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my mental health and credit score due to this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit applications are getting denied because my credit report has errors, false and erroneous information. This has caused unimaginable stress and really took a toll on my XXXX XXXX and credit score due to this inaccurate information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: TX

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 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