vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-07 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: OH

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 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 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 2023-06-07 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: CA

Complaint narrative:
This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The account I am disputing does not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. This account is unknown to me and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: CA

Complaint narrative:
This is my 2nd complaint that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. These accounts are unknown to me and I have doubts in their accuracy and the reported payment history on some accounts is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo and XXXX who are in essence affiliated. Charged me for hotel stays several times over in amounts totaling almost XXXX. Hotels won't provide receipts and Wells Fargo has not responded to my request for dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OLIPHANT FINANCIAL, LLC
State: VA

Complaint narrative:
The company is a collections company by the name of Oliphant USA LLC they are saying that I have an account with XXXX with a debt of XXXX I have told them over and over that I did not open this account! I told them to send me paperwork and proof and they can not! This is the only thing in collections on my credit report because I pay all of my debt! I did not open this account with these people it has to be fraud!! I'm begging to get this collection debt off of my credit report because I have worked to hard to get my credit where it is! This was placed on my credit report XX/XX/XXXX. They claimed it was opened in XXXXXXXX XXXX  XXXX. This is not my account the original creditor they claim to be is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
On XX/XX/2023 I received a Hard Inquiry with XXXX from Barclays Bank Delaware. I called the bank on XX/XX/2023 and I spoke with the Fraud Department and I stated that the application that was attempted to open with my information was not me and they reported it as fraud and reported it with the credit bureau.

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 2023-06-07 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: Shellpoint Partners, LLC
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXXXXXX ( Account # : XXXX ; Balance Owed : {$550000.00} ; Date Opened : XX/XX/2022 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC 1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I leased my car via Ally Financial. At the end of lease term, a check was mailed via USPS to purchase my car on XX/XX/23 and was delivered on XX/XX/23. The check was cashed on XX/XX/23. In late XXXX, I got a call from the lease purchase department stating that the payoff could not be accepted because the lease was under my name, XXXX XXXX, and the check was drawn from my wife, XXXX XXXX bank account. Even though we told him that California is a community state and it should not make a difference. The representative indicated that their institution considered my wife as a third party who is not allowed to purchase/pay off the loan on my behalf. I was told that a refund would be issued and I would mail in a replacement check from a bank account with me as account holder. On XX/XX/23, I did not receive the refund check and talked to XXXX XXXX at Ally and was told that refund check was forthcoming. I requested to speak to supervisor and never received a call back. I called on XX/XX/23 again and talked to XXXX XXXX. He told me that the refund check was approved on XX/XX/23 but and should have been sent to me. XXXX said that he would contact the payment processing center to see when the check was mailed and whether it was cashed. But I never got a call back. Later on XX/XX/23, I made a complaint to Allys website and XXXX from executive customer service department called on XXXX at XXXX PDT. When I called back only to learn that his department closed at XXXX PDT, so I left voicemail. Today XXXX I called twice, left messages again and never got a call back. So it has been over 50 days since my payment processed and I still did not have title to my car.

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 2023-06-07 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: CA

Complaint narrative:
On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}

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 2023-06-07 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: CA

Complaint narrative:
On XXXX I submitted a request to block accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX Balance : {$0.00}

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 2023-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/2023, I deposited three checks drawn on other domestic financial institutions totaling {$2200.00} in person to a teller at the branch located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC during normal branch hours. 

The checks posted to my account and Chase made available {$200.00} of the deposit on the same day. Pursuant to Regulation CC, Chase should have made an additional {$25.00} ( for a total of {$220.00} of the deposit ) available on XX/XX/2023 to comply with the next-day availability rule. Then, Chase should have made the entire remaining amount available on XX/XX/2023, to comply with 229.12 ( b ) ( 1 ). 

However, Chase has instead failed to make any more of the remaining {$2000.00} available. At the time of deposit, the teller informed me that the bank may take " up to XX/XX/2023 '' to make this amount available. Several reasons for an " exception hold '' are provided in Reg CC that would allow this, but I do not believe that any of them apply to this deposit. 

My account has existed for more than 30 days, so it is not a new account. Nor was this a large deposit, as the aggregate check deposit for the entire day was less than {$5500.00}. My account has never been overdrawn at any bank, and I do not have any outstanding liabilities to Chase. None of the checks were redeposited, and no emergency conditions appear to have existed. 

The only remaining exception would require that Chase have relied on the " existence of facts that would cause a well-grounded belief in the mind of a reasonable person '' that the check would be returned unpaid by the drawer 's bank. Upon information and belief, the drawer of the {$2000.00} check maintains an account in good standing with the paying bank, has never overdrawn an account with any bank, and did not write a bad check. Therefore, I do not believe that Chase possessed such evidence. 

Moreover, even if an exception did apply, Chase did not specifically state which exception is used for the hold as required by regulation, nor the specific evidence used in this case to make a determination of reasonable cause to doubt collectibility, if that was the exception relied on.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/22, charged late fee and I called to dispute the charge as a XXXX year customer, also explained my circumstance and reason for late payment but request was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has a product called Experian boost. If you do not XXXX XXXX XXXX XXXX XXXX XXXX or any other large entity. If you not with them you can not improve your score with Experian. This is deceptive trade act account they take formation from small banks why can they not allow small banks with online accounts to join. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not allowed to partake in Experian boost. All this has to do with increasing your fico score. Experian doesnt care to take care of small towns like XXXX XXXX Experian will take information from every bank in 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 2023-06-07 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing again to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
On XX/XX/2023, I received an email from The Department of Education advising that my student loans were approved to be forgiven under Exhibit C of The Sweet vs Cardona Settlement that was finalized in XX/XX/2023. On XX/XX/2023 I contacted Navient to follow up on this matter as I have not received notices or updates from them. I spoke with a supervisor by the name of XXXX, Employee ID : XXXX who advised she knew nothing about the settlement and that they had not received any information. I uploaded the letter to my outbox portal while on the phone and allowed her to review it and she acted as if she didn't know this information and provided no assistance. I then followed up with The Department of Education the same day and advised them of the information Navient provided. I was advised that the email that I was received was correct and I should see things finalized in the next couple of months. Today I followed up with The Department of Education and requested a supervisor as I was not offered much assistance and given the runaround as usual. I spoke with XXXX a supervisor in length and shared with her the difficulties that I have been experiencing. The US Department of Education/Navient is Not Discharging Loans Under Sweet vs Cardona Settlement as the email advised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07 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: MA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07 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: GA

Complaint narrative:
I highly request that you take the time to check and verify these inquiries since I never remember that I have authorized anyone about these inquiries. Kindly remove these inquiries if no proof can be provided. Look into the date and name of these inquiries and compare to see if there is a signed agreement. If not able to make certain please extract it from my file. The following inquiries should be removed right away : 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 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 2023-06-07 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: NV

Complaint narrative:
I am submitting my complain for you to notify that the inaccurate informations continue to report on my credit report, In violation of federal law, the XXXX credit bureaus shall make actions and make the accounts be corrected. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. These following accounts needs to be corrected immediately : XXXX XXXX XXXX Balance ; XXXX XXXX XXXX Balance ; XXXX XXXX Balance ; XXXX XXXX XXXXXXXX Balance ; XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX Balance.

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