vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-27 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
Currently have a active complaint for debt collector known in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. XXXX XXXX XXXX XXXX XXXX no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
There is a charged off account on my credit report with XXXX XXXX. This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. Transunion is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. XXXX is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and Transunion and XXXX refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but Transunion and XXXX hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX  but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
There is a charged off account on my credit report with XXXX XXXX. This account was originally reporting to all three credit bureaus but XXXX has deleted this inaccurate account from my credit report. Each credit bureau is reporting inconsistently and many different inaccuracies on my report such as the open date and last active date. XXXX is reporting the open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. Experian is reporting an open date of XX/XX/XXXX and the last active date of XX/XX/XXXX. I have informed both bureaus of the inaccuracies on my report and XXXX and Experian refuses to delete this account from my reports and has not provided any valid proof or evidence as to how they are validating this account. If all three bureaus get their information from the same place, how is it that XXXX found that this account was inaccurate and deleted it but XXXX and Experian hasn't? Furthermore, I have also reached out to XXXX XXXX directly to try and resolve this matter and they have not sent over any documentation or have tried to contact me in any way. It is illegal to report inaccurate information on a consumers report and not only XXXX XXXX  but the credit bureaus are in violation of the consumer laws and should delete this account from my reports.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one is reporting an inaccurate charge off account on my credit reports that I have been disputing for some time. I have contacted both Capital One and each credit bureau concerning this account and have not received any valid sufficient proof that supports this debt from either Capital One or the credit bureaus. XXXX did delete the account from my report because they could not verify this account as accurate but XXXX and XXXX refuses to do so. Not only have they not provided any documentation but they are reporting multiple inconsistencies on my reports. XXXX is reporting the account as paid, the last report date is XX/XX/XXXX, the last active date is XX/XX/XXXX and the last payment date as XX/XX/XXXX. XXXX is reporting that this account is derogatory, the last payment date as XX/XX/XXXX, the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. If the credit bureaus get all of their information from the same place how is it that they are reporting drastically different things. It is illegal to report inaccuracies on a consumers reports and not only is Capital One in violation of the consumer credit laws but so are the credit bureaus for verifying this inaccurate account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: MI

Complaint narrative:
My father has passed XX/XX/XXXX, I got a probate and Im over his estate. I have been in contact with direct express since XX/XX/XXXX about what all I needed to obtain his remaining balance. Direct express only deals with clients via email when it comes to deceased clients, and they never responded to me until XX/XX/XXXX stating i was missing a document. I was told the process only took 4-6 weeks, I reached out in XX/XX/XXXX and one of their employees stated the funds were claimed and a check would be issued within 30 days. The email team keep stating they dont have a time frame and when i call their employees keep directing me to social security , i made a appointment with them and they stated everything i need to do is with direct express. It is now XX/XX/XXXX, no one has said anything and still no check has been received, this is ridiculous. Almost an entire year just to empty out the funds in a account, someone needs to solve this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Hi, I am a natural, living human. Equifax is governed by 15 USC 1681. I have rights under 15 USC 1681 to protect and receive. Equifax has violated my rights. I respectfully demand the account listed below be removed because I have the right to privacy, and I did not give Equifax written permission to furnish these accounts, nor did I provide Equifax in writing that they could share my credit report, or provide my credit report to XXXX XXXX XXXX ( Account Number # # # # # # XXXX ). A company I have never heard of, nor have completed any business dealings with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing both XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my 3rd time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. Thier processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same processXXXX  The confirmation number for the removal of these accounts was 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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian continues to report accounts that are the result of identity theft, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX These accounts were previously reporting on XXXX as well as XXXX however after providing both XXXX and XXXX documentation supporting the fact that these were opened due to Identity Theft these items have been removed and blocked from my credit report. I have informed Experian of this as well as the creditors, but all parties remain negligently non compliant. This is my 3rd time submitted a complaint with the cfpb to get experian to resolve this issue, however they continue to tell me the items will not be removed or blocked due to the items not meeting the criteria even though they are the result of identity theft. I have tried multiple times to explain this to them and they continue to force me to suffer through their automated dispute process and send generic responses or allow the creditors reporting this information to continue doing as well allowing them to update the account with snarky comments stating " Completed investigation of FCRA dispute - consumer disagrees '' when in fact they are not even investigating this and the only proof Ive been supplied by either company is a signature that does not look even remotely close to mine. Thier processes are automated and do not do their due diligence in investigating these matters. 

XXXX provided me this confirmation number for the removal and blocking of these accounts and I believe Experian should check with them to ensure they're following the same process*** The confirmation number for the removal of these accounts was 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 2023-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
this is the Second time that I received a 1099-A for the illegal foreclosure sale on my home this second sale in 2021 auction, that JP Morgan Chase Bank , NA sent me see attached and at the Top it states that a copy of this illegal sale was furnished to the IRS. I just received from the IRS proof that Chase did NOT give the IRS a copy of this sale. I am asking the CFPB to have Chase rescind this illegal foreclosure sale. See attached the IRS transcript and the 1099-A stating at the top that a copy was furnished to the IRS when in fact it was NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I have previously disputed XXXX XXXX, File Identification Number : XXXX, and in response Lundquist verified the item as accurate stating they verified the information with the court. I contacted the court, and it is clear they do not report to Lundquist or any entity for that matter ; therefore the original response verifying the item with the court was either an error or false. The reporting requirements do not comply with FCRA 611 ( 15 U.S.C. 1681I ) and the information must be deleted immediately.

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX has violated my rights. 

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 an account without my written instructions.

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.

To add personal statements : I've never made a payment to this company, yet they continue to report inaccurate information on my credit report regarding " current payments. '' I have not agreed to any terms with XXXX XXXX. 
I never opened an " XXXX '' account after the year of 2013. 
The company has yet to reply in writing to my Debt Validation letter sent on XX/XX/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 2023-01-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: IL

Complaint narrative:
UMB bought my XXXX from my old employer. I have received XXXX letters indicating I have no recent customer-initiated activity, the latest XXXX on XX/XX/XXXX. " to avoid your XXXX becoming inactive and subject to the Inactive Account charge ... '' I never opened this account. I never agreed to bank with them. They bought out an old XXXX and now are coming after me with fees. 

I have no idea how to login or do anything with them, I never received a debit card. I thought the account had {$0.00} in it and asked to close it, but then received a letter that said there were {$440.00} XXXX  in it. I then asked how to access or transfer those funds and got a super confusing answer about monthly fees. This was on XXXX. 

I just called today on XX/XX/XXXX, because I haven't had time the last few weeks to deal with a bank I never agreed to work with who obviously can not run themselves. I asked how to log in and they said where's your debit card and I said that's literally the problem, where is it? They said it's been closed and an amount of ~ {$420.00} is being mailed to me by check. Where did the rest of the funds go? 

Banks should not be allowed to buy other banks, adopt their accounts, and terrorize their new clients that never consented. Why am I working with a bank I never agreed to work with?!?!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
XX/XX/2023 I made an opening deposit at Citibank, I utilized the mobile banking deposit feature. I deposited XXXX XXXX XXXX money orders in the amount of {$500.00} each. On XX/XX/XXXX I woke up and find the checking account had been restricted. When I called customer service I was told the account had been referred to the fraud department for possible closure. I was transferred to the fraud department and assured when the money orders cleared my account access would be restored. 

XX/XX/XXXX, I could not log into my online account anymore at all. I called customer service and was transferred to fraud and told my account had been closed. The reason I was given is that the money orders had been altered ( they hadnt ). I spent multiple hours on the phone and was told my only option to possibly have the account closure rescinded was to go to a Citi bank branch ( a XXXX XXXX XXXX from where I am, or a flight ) and bring the money orders and receipt to prove the funds are valid and they will consider rescinding the closure. 

I have called XXXX XXXX personally and verified the funds were deposited at Citi with a date of the XXXX. Citi is telling me it takes 6 days on their end to know if the funds from money orders will clear or not. But they closed the account after 2 days and their only solution is for me to fly to a branch and they might reconsider account closure? 

Ive spent multiple hours on hold for a supervisor and I have asked for supervisor call back - no one beyond entry level employees have spoken with me!

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 2023-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Hello, I am trying to get to the bottom of this and I would appreciate a less combative response due to your last acknowledgment titled 'Final Response '. This is not an emotional response. So, please read attached files to clarify what I am requesting in regards to additional information due to the last report leaving me hanging with unanswered questions. The Retail Installment contract by definition is installment credit, meaning the seller ( Credit Acceptance LLC ) ordinarily exacts finance charges scheduling payments to be repaid in XXXX or more payments at regular intervals. Now, the finance charge to my understanding is the SUM of ALL charges in my consumer credit transaction. 

I am sorry to inform you that the information you are sending me is not fair and accurate and is in fact moving us away further from the truth. Allow me to get us back on track. In the contract it states I purchased the vehicle using CREDIT. Please understand I know exactly what I am stating- and it's the truth and I need to contact someone of higher statue who knows the truth about what is going on here. & I QUOTE " You have agreed to buy this vehicle from us on CREDIT for the total sale price ___ ... " So, to be clear I am very well aware that CASH IS NOT A PAYABLE TYPE- ACCEPTED IN ANY CREDIT TRANSACTION.. So again, why are you charging my debt card and not my credit card which is my social security card which funds ALL my credit transactions? Nowhere does it state that you have the authorization to mark any payment late under my credit card account period. Everything is already paid for with my social security card which is my unlimited open ended credit card defined by congress.

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