vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, Zip : XXXX, IL XXXX Email Address : XXXX 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION. Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report un following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal prote consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 non-monetary relief
Consumer complaint received 2023-06-12 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: LJ Ross Associates
State: IL

Complaint narrative:
these accounts are FRAUD ... ...XXXX XXXX XXXX LJ Ross Associates 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

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
XXXX XXXX I deposited a check for {$15000.00} into a new account at Ally bank. Within a couple days, my account was inexplicably put on some sort of suspension. I was contacted by both email and phone to resolve the issue. I called in multiple times and spoke to INCREDIBLY RUDE people in the " loss prevention '' office. I told them multiple times two things : 1 ) my husband has to assist me with finances and he had to be on the call and 2 ) I am on the XXXX XXXX. Instead of offering any semblance of understanding and compassion, this instead seemed to irritate them further. 

To date, and despite the fact that I called in and answered their absurdly probing questions about the source of the money ( XXXX XXXX  via my husband 's company for which I performed work and was being paid ), they continue to not convey access to my money. 

If this hold continues, I'm contacting legal counsel and pursuing action under any statute we can find, including americans with disability  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 2023-06-12 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: TOYOTA MOTOR CREDIT CORPORATION
State: NY

Complaint narrative:
Toyota Finance Services went back to my credit report which was showing " Current '' on my on-time payment and change it to " Late '' payment, which is not true, I paid on time and they even reported " Current '' previously. I don't understand what made them ruin my credit for no reason. 
I am a XXXX in the middle of leaving my duty station ( XXXX XXXX ). I am looking for an apartment in the next 2 weeks, Now I am stuck since they ruin my credit. I don't know what to do, it's causing me stress and XXXX. 
I call them to try to resolve it but they said they can't do anything until I file a complain.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
During the year 2017 my husband was XXXXXXXX XXXX XXXXXXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as PaidChargoff on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my XXXX XXXX. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
XXXXXXXX XXXX XXXX XXXX  Can you please help me remove these charge off accounts?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
During the year XXXX  my husband was XXXX of XXXX. I had to contact a debt management company for help. The following companies agreed to close the accounts for less than the money owed. They listed the accounts as XXXX on my credit report. I would like to try to have them removed as I am in the process of applying for a mortgage and they are bringing down my credit score. Since that time, I have not had delinquent accounts and I am hoping to get this cleared from my report asap. 
XXXX XXXX XXXX XXXX Can you please help me remove these charge off accounts?

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 2023-06-12 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: GA

Complaint narrative:
XXXX and Transunion both maintain erroneous and/or false inquiries on my credit and all efforts made since XXXX to have this corrected have been futile. I sent numerous letters to have them correct these mistakes and they have not removed the inquiries. 

The following companies have indicated they sent letters to the bureaus to remove these inquiries from my file. i provided copies of the letters to te bureaus in vain 1.XXXX 2.XXXX XXXX XXXX 3 . XXXX XXXX XXXX, in the case of 3 inquiries, I was asked to secure letters from the creditors that the inquiries could not be verified and were not made by the company. I secured the letters and was advised by both companies that the letters must come directly from the creditors to the bureau. 

I secured letters from the Creditors and provided them to the bureau and still no actions were taken by the bureau. Neither bureau acknowledge my letter nor provide me with evidence of their investigation. 

I also received notices from the creditors in which 2 of them claimed they have sent letters to the Credit bureau to remove these inquiries from my file as they could not show that I requested credit from them. Yet both bureaus have refused to remove these inquiries from my credit file. 

In the case of a specific inquiry, I could neither verify the existence of the creditors by mail or phone. I notified both bureaus that the creditor does not exist. by informing them that the phone number provided for the creditors were a non-working number and the address provided for the creditor was returned by the US Postal Service as a non-deliverable address. 

Non existing Creditors : 1.XXXX 2 . XXXX XXXX In my telephone conversation with the staff of both bureaus, I was informed that locating and finding a non-existent creditor which they placed on my file was my problem. Unless I could find this non-existing creditor and the non-existing creditor provided them with a letter, they intend to keep the inquiry on my credit file. In essence, the bureaus are insisting that I must magically find a creditor that they place on my file without my knowledge, and can not provide me with valid contact information. The efforts to remove this inquiry from my file is more than a year has cost me hundreds of dollars paid to a professional credit repair firm, and over 40 hours of my time going back and forth with the bureaus

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 2023-06-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
HI 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
The data for this account " TRANSWORLD ' appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 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: VA

Complaint narrative:
I am writing to inform you that the data for this account " XXXX XXXX '' appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas! I have no contract with XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX, but before I did XXXX XXXX XXXX XXXX were paid in full by Texas Rent Relief. They still fraudulently attempted file eviction, which did not work. Instead they have forged a document. This fraudulent document simply says they were awarded possession of the apartment, however I had already been moved out before this time. The document they sent me ( which is unauthorized by the courts ) says awarded possession on it, but somehow they have put specific amount of {$1100.00} on my credit profile. The document was also proof of fraud as they attempted to backdate it. If this were real there would be a judgement in the courts, which there is not. Now the Credit Reporting Agencies are furnishing this unauthorized fraud.

The Credit Reporting Agencies are furnishing fraudulent accounts. I have no agreement with this company and the agencies have no authority to report these acts. 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. These accounts should not be furnished on my consumer report as they are a violation of Federal Law. Under 15 U.S. Code 1681b- permissible purposes of consumer reports ( a ) in general, subject to subjection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : ( 2 ) in accordance with the written instruction of the consumer to whom it relates. I have never given written consent to report any of the accounts listed. There are much more violations than those currently listed. This will be my modest demand to the Credit Reporting Agencies and XXXX XXXX XXXX XXXX. This is causing me to face discrimination in my housing search. This stress and mental anguish from this situation is causing me harm. Failure to immediately remove this fraudulent account will be accepted as willful breaking of the law and will be legally pursued as such.

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 2023-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
A debt in the amount of {$2300.00} has reflected on my credit. This debt is not mine, I have called several times to dispute the collection and no one has been able to even locate me in their system. He supposedly looked me up by name and phone number with no result, and when I asked him to search for me by social. It turns out they do not have my social at all, yet ACIMA is hitting my credit for this amount. This collection is causing a huge impact on my credit and I should not be having this issue, especially since this debt isn't even mine. Every time I call, I noticed I am getting the same person over and over. And when I ask for information or to speak to someone else, his response is " there is no one else I can speak to. '' While on the phone with him, he will completely cut you off, talk to you extremely rude and even laughed because I wouldn't stop insisting on more information. After speaking to this person, on XX/XX/2023 I decided to take matter into my own hands and make a police report regarding the issue. If this issue is not resolved, I will also be taking legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
on XX/XX/2023 Wells Fargo closed my CD account which had {$250000.00} and it and failed to notify me that they closed the CD. When I called customer service on the XXXX of XXXX, I spoke to three different representatives who all said that they were not able to help me including two different members at the executive office. Both of these calls were recorded. The last rep ended up hanging up on me when I didn't except that they couldn't help me. I then went to the local Wells Fargo branch in XXXX XXXX in XXXX XXXX, where I had originally opened the account. The gentleman who opened my account was no longer employed by Wells Fargo, but I spoke to the branch manager. After four hours sitting with the branch manager and him explaining that my account was closed due to an invalid address, he refused to release my funds and they are still holding all of my money since XX/XX/XXXX. Since I was very vocal about this inside the branch, to other customers came up to me and provided me their contact information and wanted to find out the resolution to the issue of Wells Fargo not releasing my funds to me. Upon telling one of these customers that my funds are still being held hostage by Wells Fargo and they have no clue where my money is and won't do anything to help me retrieve my money, this customer decided to close their bank account with Wells Fargo. Upon her attempting to do so, one of the employees named XXXX ( XXXX ) mentioned to her that my account had illegal activity it and that's why my account was closed. This is a gross violation of the Gramm-Leach-Bliley Act ( https : //www.ftc.govXXXX ) too disclose any information about my account whatsoever to a non-related party let alone a complete stranger, and to blatantly make up a lie to slander me in an attempt to save another customers account. This customer has told me they're willing to provide a sworn statement and affidavit of the facts and what that teller said to her about my account. I have contacted several attorneys in relation to this as today is the XXXX and I still don't have my funds released to me and my local small business needs to make a large purchase, I am without liquidity because my money was stolen from me by wells fargo, I'm not earning any interest on the phantom funds that have disappeared, and no one has any sense of urgency to attempt to get my money back. I plan on visiting the bank today again to attempt to get my funds and file a police report if they deny me. Audio and Call recordings available as well.

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 2023-06-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681Section 602, states : I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I responded to a solicitation from Paypal to get a Paypal credit card through Synchrony Bank. It has a {$10000.00} credit limit. On XX/XX/2023 I paid the bill from them for {$8400.00}. The money was immediately taken from my checking account. While looking up something about the account, I noticed my credit limit now appears to be about {$1500.00} rather than {$10000.00}. The customer service rep explained " Because you made a large payment, the account is frozen until XX/XX/XXXX. We want to make sure we get the payment. '' I see multiple problems with this situation : 1. I was not given any notice they were freezing the account. I did not know not to use the account. 
2. This appears to be a penalty for paying the bill promptly, rather than accruing interest charges. 
3. They had the money on XX/XX/XXXX. How can they restrict my credit card use until XX/XX/XXXX? 
4. There is something very wrong about discouraging people from paying their bills. 
5. I had planned to pay a large bill online with this credit. Had I done so, it would have been declined and I would have suffered serious penalties for not paying on time

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 2023-06-12 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: TX

Complaint narrative:
Pursuant to 15 USC 1681 ( q ) ( 3 ) of the Fair Credit Reporting Act hereinafter FCRA, EXPERIAN used and intentional perversion of the truth to induce the consumer to be reliant upon it to deprive the consumer of it's right to privacy. EXPERIAN reported my private nonpublic and personal information to consumer reporting agencies without lawful authority or actual consent of the consumer thus committing identity theft. These fraudulent actions have caused me to sustain injuries such as a loss of opportunity and wages.

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