vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting a complaint against Chase Auto Finance concerning my lease account number XXXX for unfairly charging me for a XXXX XXXXeplacement that I had already completed as part of my lease return conditions, and for their subsequent threats to negatively impact my XXXX XXXX if I do not pay this erroneous charge. 

On XX/XX/year>, during a pre-return inspection conducted by Chase on my leased vehicle, it was noted that a tire needed to be replaced. Complying with this requirement, I replaced the XXXX  at XXXX XXXX XXXX XXXX XXXX on XX/XX/year>, before officially returning the vehicle. Despite providing Chase with clear documentation from the dealership confirming the XXXX  replacement, issued by XXXX XXXX from the service department, Chase has consistently refused to acknowledge this proof. They have declined to send an inspector to verify the replacement or to contact the dealership directly, even though the vehicle was verifiably still at the dealership and not at auction as they claimed. 

To further substantiate my claim, on XX/XX/year>, I visited the dealership and took video evidence of the new tire installed on the vehicle. However, Chase has outright refused to even accept this video evidence, continuing to ignore all substantiation provided. XXXX XXXX has explicitly stated his willingness to confirm the tire replacement directly with Chase XXXX, providing a direct line of communication to verify the validity of my claim. 

Throughout this process, I have communicated multiple times with Chase XXXX XXXX XXXX XXXX I have spoken with representatives XXXX ( ID XXXX ), XXXX ( ID XXXX ), Memory ( ID XXXX ), XXXX ( ID XXXX ), and XXXX ( ID XXXX ), all to no avail. Despite faxing the required work order on XX/XX/year>, and even sending a written authorization to allow Chase to speak directly with XXXX XXXX at the dealership on XX/XX/year>, Chase continues to deny the validity of my claims. The representatives have stated that they either did not receive the subsequent documentation, or they simply refuse to process it. 

This unresolved charge of {$530.00} for the tire replacement and associated taxes, not including the undisputed {$490.00} disposition fee, not only lacks validity but is also a clear example of unfair billing practices. Chases threats to report this as delinquent to credit agencies if not paid can unjustly damage my credit standing, which I find coercive and unethical. 

I am requesting the intervention of the Consumer Financial Protection Bureau to investigate this matter thoroughly and to assist in rectifying this dispute in a fair manner, ensuring that my credit rating and financial integrity are not unjustly affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: AZ

Complaint narrative:
There was an Equifax Data Breach on XX/XX/year>. Based on there data breach tool, I was found to be one of the accounts effected by the breach and there is illegal info on my credit report. Wrong account info wrong personal info, accounts that don't belong to me etc. I asked Equifax to just clean up my personal information so that I only had one name, my current address, phone number etc on my report and there has been no change. When I spoke to a wo, an on the phone to let her know my fear of identity theft because of the extra personal info on my report she told me she could not delete anything. I have added a letter to the CFPB as an attachment about the accounts that should not be on my report and the only personal information that should be on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX  account ( # XXXX ) on my credit reports with XXXX, XXXX XXXX and TransUnion. The discrepancies in reporting between the credit bureaus are significant and require immediate correction or removal of this account from my credit reports. 

Inaccuracies Identified XXXX. High Credit : XXXX : {$670.00} XXXX : {$0.00} TransUnion : {$670.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX TransUnion : XX/XX/XXXX XXXX. Date of Last Payment : XXXX, XXXX, and TransUnion : XX/XX/XXXX These discrepancies, particularly concerning the high credit and date last active, indicate inaccuracies in the information being reported by each bureau. 

Violations and Impact The inconsistencies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such inaccuracies can negatively impact my credit score and financial standing, potentially leading to denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

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 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of the XXXX  account ( # XXXX ) on my credit reports with XXXX, Equifax XXXX and XXXX. The discrepancies in reporting between the credit bureaus are significant and require immediate correction or removal of this account from my credit reports. 

Inaccuracies Identified XXXX. High Credit : XXXX : {$670.00} Equifax : {$0.00} XXXX : {$670.00} XXXX. Date Last Active : XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX. Date of Last Payment : XXXX, Equifax, and XXXX : XX/XX/XXXX These discrepancies, particularly concerning the high credit and date last active, indicate inaccuracies in the information being reported by each bureau. 

Violations and Impact The inconsistencies in the reported information violate my rights under the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. Such inaccuracies can negatively impact my credit score and financial standing, potentially leading to denials of credit or other financial difficulties.

Applicable Laws and Regulations 1. 15 USC 1681e ( b ) - Accuracy of Report : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual. The discrepancies in reporting violate this standard.

2. 15 USC 1681i ( a ) ( 1 ) ( A ) - Reinvestigation of Disputed Information : Requires consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information.

3. 15 USC 1681i ( a ) ( 5 ) - Treatment of Inaccurate or Unverifiable Information : Mandates that if disputed information is found to be inaccurate or unverifiable during a reinvestigation, it must be promptly deleted or modified.

4. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) - Responsibilities of Furnishers of Information : Prohibits furnishers from providing information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate.

5. 15 USC 1681s-2 ( b ) - Duties of Furnishers of Information Upon Notice of Dispute : Requires furnishers to investigate, review all relevant information, and report the results to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: PA

Complaint narrative:
Please assist me in correcting the false account reflected on my credit report. This concern needs immediate attention as it is negatively affecting my reputation, and your intervention is crucial.

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 2024-08-06 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: PA

Complaint narrative:
Please assist me in correcting the false account reflected on my credit report. This concern needs immediate attention as it is negatively affecting my reputation, and your intervention is crucial.

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 2024-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: TX

Complaint narrative:
On XXXX XXXX, 2024 I have requested a money transfer from Ria XXXX XXXX XXXX, XXXX RIA Money Transfer to my cousin in the XXXX. 
The transaction of US {$4900.00} was to be deposited to my cousin 's account in XXXX XXXX Bank ( XXXX ). 
A few days later, my cousin has realized that she has provided me with the wrong account number and that she has not received the money transfer I have sent. 
I immediately contacted the Ria Money Transfer customer service on XXXX XXXX, 2024 to assist us in amending and rectify the transaction. 
They have asked us to send a confirmation that my cousin did not receive the fund and we have provided that to Ria Money Transfer. They have told me that the fund was already deposited to the wrong account ( XXXX account ) we provided even if the account holder name did not match with the account number. 
After multiple calls in a span of XXXX weeks to Ria Money Transfer, I have talked to several customer service representatives and was finally assigned to a designated person last week who will coordinate any updates regarding my complaints. 
All I get is a run around that they have not received any updates from XXXX. 
As of today, I have not received any solid updates that we will be able to refund or retrieve the fund or at least correct the transaction. They even asked us to coordinate with the XXXX XXXX bank ourselves for fund retrieval and that it will be on " best effort only ''. They explained that the retrieval/refund effort will not guarantee us to refund our money. 
They have not provided us with a plan or process how we can resolve the issue and I've heard several times that there is no guarantee that we will get this resolved. 

I have been using this Ria Money transfer for several years and this is not how I imagine that they will treat their loyal customers when some error like this happens. 
I can provide more information as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
Take this complaint seriously, I am alarmed about an unfamiliar inquiry on my credit report. I didn't authorize or consent to this company accessing my information, I'm trying to understand how and why this happened and it's causing me a lot of stress and 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 2024-08-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Delay in processing application
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I have XXXX unauthorized hard Inquires from XXXX on XX/XX/year> and XX/XX/year>. Please remove these unauthorized hard inquires from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have notified and submitted my identity theft report to the federal trade commission in regards to these fraudulent items on my report that need to be removed but as of now still have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-07 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: GA

Complaint narrative:
Name : XXXX XXXX, Social Security Number : ( XXXX ), Date of Birth : ( XX/XX/XXXX ), This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Account name : XXXX XXXX XXXX  XXXX Account number : XXXX Date opened : XXXX XXXX Amount : {$5000.00} Account name : US DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5600.00} Account name : XXXX DEPT OF EDUCATION Account number : XXXX Date opened : XX/XX/XXXX Amount : {$5100.00} I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2024-08-07 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: CREDIT ACCEPTANCE CORPORATION
State: NC

Complaint narrative:
For the past few months, my credit report has been showing an account under the name CREDITACPT ( XXXX ). This is a XXXX-balance account that I canceled properly and legally at the time ; however, it continues to be reported as a charge off, which has significantly affected my credit score, harming me financially. Based on my research, several sections of Title 15 of the USC are being violated by this company 's actions. I have sent disputes to them by mail, but their response was that there was nothing to correct. Therefore, I am submitting this complaint based on the sections that I believe are being violated under Title 15 of the USC 15 USC 1681e ( b ) : The information provided to consumers is inaccurate, misleading, or incomplete.

15 USC 1681i ( 5 ) : Failure to conduct a reasonable investigation into disputed information.

15 USC 1681 ( a ) : The inaccurate and misleading information contained in the credit report violates the FCRA 's requirement for fair and accurate reporting.

15 USC 1681 ( a ) : The failure to investigate and correct these inaccuracies within a reasonable time frame is a violation of the FCRA.

15 USC 1681s-2 ( a ) ( 2 ) : Furnishing information to a consumer reporting agency without the consumer 's written instructions.

15 USC 1681n : have failed to provide me with clear and conspicuous notice of my rights under the FCRA.

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 2024-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
I had traded/ sold my car on XX/XX/year> with XXXX XXXX XXXX I was under the assumption that they fully paid and handled everything like they told me. I recently found out that It was never fully paid and still had a remaining balance the last 2 years and it's been affecting my credit score without my knowledge till I checked it last month. The pink slip shows that they paid {$7400.00} which was the whole balance of the car. I did get a hold of XXXX XXXX and they told me Hyundai only asked {$7100.00} which was impossible said Hyundai Finance. XXXX XXXX Sent me a check back in XXXX  saying they overpaid my car and never cleared it out that I still had a balance. I was unaware of this issue and having a balance / late payment. If I found out sooner I could have figure things out and credit score/ report wont be this low. I can't get a place that would approved me I'm just trying to fix it and figure this whole thing out

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 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express made an offer for an extension of credit in exchange for a note ( 12 CFR 360.6 ). I accepted this offer and returned the note. I paid for the goods and service via the note, and became an investor in their company. offer and acceptance. They have accepted my note, then claimed I did not qualify, Although this is a clear violation of 12 CFR 1002.6 ( a ) I informed them that the information used to determine this was inaccurate, and that we already have a contract. I informed them that this is a violation of the equal credit opportunity act, and that their own prospectus states they can not guarantee the accuracy of their credit worthiness determinations. I made an investment in American Express and they have taken my securities without providing the goods that I paid for. This is Securities Fraud. They have sent responses that appear to be automated and in no way have acknowledged my claim. I am a victim of American Express deceptive practices. By telling the SEC they are treating their investors one way, but the whole time clearly mistreating their investors. American Express clearly told the SEC in their Prospectus on page XXXX " We do not intend to apply for listing of the notes on any securities exchange or for quotation through any automated dealer quotation system ' I Applied for American Express XXXX XX/XX/XXXX. I was denied and their response states they can not continue our processing your application due to your freeze on your credit report. 
The detail of my application for credit is discriminatory and violates my privacy 15 U.S. Code 1691 - Scope of prohibition * U.S. Code * Notes ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction VIOLATED 12 CFR Part 1002 - Equal Credit Opportunity Act ( Regulation B ) MOST RECENTLY AMENDED XXXX XXXX, XXXX Regulation B protects applicants from discrimination in any aspect of a credit transaction. VIOLATED The Privacy Act The FOIA/Privacy Act Division, in the Office of XXXX XXXX XXXX for XXXX XXXX XXXX XXXX ), is the focal point for HHS Privacy Act administration, including the XXXX System XXXX XXXX XXXX XXXX XXXX ) and Computer Matching Agreements ( CMAs ). The Privacy Act of 1974, as amended to present, including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. An individual has rights under the Privacy Act to seek access to and request correction ( if applicable ) or an accounting of disclosures of any such records maintained about him or her. Prohibits disclosure of such records without the prior, written consent of the individual ( XXXX ) to whom the records pertain.

Company response to consumer: Closed with explanation