vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. Auto Credit Corporation
State: SC

Complaint narrative:
XXXX XXXX is reporting this account as not paid. This account has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Accurate Background
State: WA

Complaint narrative:
On XXXX I faxed and emailed my request for Full File Disclosure per 15 USC 1681g ( a ) ( 1 ) and I haven't received a response. 

XX/XX/2023 Sent via XXXX XXXX XXXXXXXX ) XXXX and email XXXX ACCURATE Background, XXXX. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX To Whom it May Concern : I am writing to request that you send me EVERYTHING in my consumer file at ACCURATE and any of ACCURATEs subsidiaries and stored by any of its subsidiaries or any other entities maintaining data on behalf of ACCURATE and its subsidiaries as of the date that you receive this notice regardless of the location it stored and how ; pursuant to 15 UC Code 1681g ( a ) ( 1 ). Please black out the first five ( 5 ) digits of my social security account number in all correspondence you send me to safeguard my privacy. 

I am requesting the following additional items be sent to me in the same package : Pursuant to 15 UCS 1681g ( a ) ( 2 ), all sources of information in my consumer file at ACCURATE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( A ), the identification of each person/company that procured a consumer report with my information from ACCURATE and any of its subsidiaries.

Pursuant to 15 UCS 1681g ( a ) ( 3 ) ( B ), the name, trader name, address, telephone number, email of each person identified under 15 USC 1681g ( a ) ( 3 ) ( A ).

Pursuant to 15 UCS 1681g ( a ) ( 4 ), the dates, original payees, and amounts of any checks in my consumer file at ACCURATE and any of its subsidiaries used to adversely characterize me.

Pursuant to 15 UCS 1681g ( a ) ( 5 ), a record of all inquiries received by ACCURATE and any of its subsidiaries in the past one ( 1 ) year preceding the receipt of this request that identified me in connection with a credit or insurance transaction that I did not initiate.

This is a request for my full file disclosure to include all obsolete and archived information on me as permitted by the Fair Credit Reporting Act. This is my first full file disclosure report request for this calendar year from ACCURATE and any of its subsidiaries. I am NOT requesting a copy of my credit report. 

I trust that you will take this matter seriously and resolve it in a fair and expedient manner, but not later than 15 days from receipt of this request. I look forward to your immediate action and a prompt resolution. 

Sincerely, XXXX XXXX Enclosed please find a copy of my drivers license for the purpose of verifying my identity and nothing more.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Do not recognize the inquiries on my credit report and would like them to be removed and the bureau did nothing about it. I would like them removed from my credit report they are not mine I'm also attaching a copy of my identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Do not recognize the inquiries on my credit report and would like them to be removed and the bureau did nothing about it. I would like them removed from my credit report they are not mine I'm also attaching a copy of my identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AXOS FINANCIAL, INC.
State: NJ

Complaint narrative:
On XX/XX/XXXX I filed a dispute via the online portal with my bank ( Axos Bank ) for {$400.00} for an ATM transaction in which the machine did not dispense my money. 

On XX/XX/XXXX I was contacted via phone call by axos bank dispute team to collect information about the dispute. I was instructed to fill out the dispute affidavit and email it back as well as forward any helpful information that could aid in the investigation. I sent the affidavit back as well as a picture of the machine malfunction. XX/XX/XXXX I received a follow-up email stating that if the investigation could not be concluded within XXXX business days that I would receive a provisional credit for the disputed amount while they conduct their investigation. I was told I would be contacted with an update after XXXX business days On XX/XX/XXXX marks XXXX business days and I receive no credit or no follow-up email. I contact the phone line for Axos bank dispute team and kindly ask for my provisional credit and was told it would reflect in my account by the end of the business day. 

On XX/XX/XXXX I still receive no provisional credit and contact the phone line again. This time all I am told is my case is being worked on and my inquiry was forwarded to proper team. I had made a request to speak with a higher authority and was denied. I requested for an explanation as to why my consumer rights were being violated and no answer but " I advise you to just wait the 45 days sir '' is being given. 

On XX/XX/XXXX still no follow up email or provisional credit. It has been XXXX business days at this point and I believe this financial institution is flat out refusing to offer a provisional credit even though this falls under Regulation-E. I have no choice to submit my formal complaint in the hopes this is promptly handled. Any attachments provided is communication I've had regarding this dispute as well as proof to the dates that the affidavit was sent to them and the initial dispute was opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
There is a security breach/ cyber-attack with Chase Bank and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There was a total of three unauthorized transactions that happened with my account. One was for {$200.00}, the other was {$320.00} and the last was {$500.00}. When I first contacted XXXX about the {$1000.00} missing from my account, they said it was up to Chase Bank because there are the responsible party at fault and they are just a third party company. 

When I tried to address the issue with Chase, they said it was XXXX 's problem and they would issue a temporary credit pending an investigation. They did credit my account. After a few days, Chase reported that the money stolen from my account was authorized and they debited my account for {$1000.00}. 

Soon afterwards, I filed a police report and I along with my father XXXX XXXX walked into the Chase branch located XXXX XXXX XXXX XXXX, XXXX, IN XXXX. We spoke to XXXX and showed her the police report, and she called the investigation department for another investigation. To make a long story short, I asked Chase to follow the transactions and to press charges on the people who stole the money from my account. They declined. 

I asked for proof in writing that an investigation was done. They told me to come back in two weeks and they would mail them to the branch. I came back three weeks later and they said give them two more weeks.

Which leads up to today. Chase Bank said they would not provide evidence of any investigation and they wouldn't credit the account. Chase were no help. XXXX was no help and I'm sure they have insurance policies in place for such cyber-attacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: UT

Complaint narrative:
I made a payment for a purchase i made from a vendor named XXXX XXXX XXXX XXXX for an amount of {$11000.00}, Fifth third bank took out the payment from my XXXX XXXX account on XX/XX/2023 but refused to credit the vendor bank account which was held at Fifth Third Bank. Fifth Third Bank rejected the payment and closed the vendor bank account which was held at Fifth Third Bank, for this reason the vendor cancelled the order and Fifth Third refused to return the money back to my bank account so that i can make payment for the order through another means. I have have sent my bank statement to Fifth Third Bank to prove that the payment was legit and it cleared in my account. Fifth Third Bank requested my bank provides them a Hold Harmless Letter which i have tried to get for Fifth Third Bank. I have reached out to my bank to request they send this letter to Fifth Third Bank but they claim Fifth Third Bank reach out to them via there banking internal channel and request for it since it was Fifth Third Bank that rejected the payment and need the letter. I have tried to ask the bank to give me the letter so that i can provide it to Fifth Third Bank myself but they refused to give it to me saying they have to send it to Fifth Third Bank by themself. That is the current point i am at, I don't know what else to do in order to get Fifth Third to contact XXXXXXXX XXXX through there bank internal channel to request for the XXXX XXXX Letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
My employer has been sending payments to my servicer since XXXX of this year. All of the checks have been cashed, however they are not appearing in my account. I've called multiple times to try to rectify this.,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
In 2020 I went to the XXXX dealer to get a new car, I got a XXXX XXXX for XXXX for a term contract of 72 months thats a low value vehicle for 6 years, clearly moneys were moved around to make the prices jump so much. upon leaving the dealer the total for the car was at XXXX years later i see i still owe XXXX so i started to do the math and research and i've come to find there were many violations that i was unaware of when buying the vehicle that i wasn't made aware of the sum of all charges were insurance should've been included, consumer credit transaction is cash on hand and that didn't happen either, the laws and fees were not disclosed properly and fed lies off of a good faith agreement rather than a consumer credit transaction.upon finding this i reported to the bank and they said they would hit my credit until the issue was resolved while i filed a complaint. 
In accordance with the fair credit reporting act this creditor ALLY FINACIAL has violated my rights under 15 USC 1681 section 602 I have the right to privacy, 15 USC 1681 section 604 a section 2, It also states that a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer plan as late for any purpose.

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 2023-12-13 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: MA

Complaint narrative:
I have sent dispute to all 3 credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each XXXX, XXXX, and Equifax rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an MOU ( Memoranda of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( MOU ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This MOU is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This MOU is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My now-deceased child was the borrower on Loan numbers XXXX and XXXX ( the " Loan '' ). I was the co-signer. 

XXXX was a passenger in a car when she was killed on XX/XX/2023. 
The loan was in forbearance at the time of XXXX 's death, the combined balance was {$20000.00} and no payment was due. For this reason, I had no obligation to pay either. 

When I contacted XXXX XXXX on XX/XX/2023 to inform them of her death, they offered to discharge the loan, without any payment, provided that I submitted a death certificate. I did so on XX/XX/2023. 

XXXX XXXX reported to credit agencies that I did not pay the loan. They reported Legally paid in full for less than the full balance, '' to credit agencies, resulting in an approximately XXXX point drop in my credit score, even though I had no obligation to pay, and they offered to discharge XXXX 's debt. This is akin to a bankruptcy reporting, and appears to remain on credit reports for 6 years or more. Other creditors reported " Paid, Closed / Never Late '' or Paid Satisfactorily, and those reportings had no negative effect on my credit score. 

On XX/XX/2023, I spoke with the supervisor of XXXX XXXX 's credit reporting team. He acknowledged that XXXX XXXX had made an error, apologized profusely and promised that there would be a manual fix submitted to my credit so that it would show " paid satisfactorily '' and have no negative effect on my credit score. He said that it would update on the credit reporting agencies in a couple of days. 

XXXX XXXX has not corrected its errors and the result has been that my credit score has remained at the lowered level, creditors have reacted negatively by reducing or eliminating credit available and other negative credit results have occurred. 

I have disputed this reporting through the credit agency systems, and XXXX XXXX has verified the erroneous reporting. XXXX XXXX told the credit agencies that the reporting was accurate. As such, the credit agencies refused to update the credit reports and the damage was compounded.

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 2023-12-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC
State: OK

Complaint narrative:
XX/XX/2023, Receivable Solutions, LLC Contacted me thru text message on XX/XX/XXXX  from XXXX, I Verified they were a 3rd party. 

I was again messaged today from the same number and called I requested to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: CA

Complaint narrative:
XXXX XXXX/ XXXX XXXX XXXX closed the location that I used to work out at. I have attempted to cancel this membership at least 5 times. Each time they take the information and commit to respond. They do not respond and another charge would appear. They have disconnected our phone calls several times after waiting on hold multiple times. I finally denied the bank charges after all these attempts of trying to cancel my membership, and now they say that I owe back membership dues. I have never been to the health club since they moved their location two plus years ago and they can see that in their records as my card has never been scanned. I paid and was patient after requests to cancel, and they never processed my request. I am entirely within my right to refuse further excessive payments and the amounts sent for collection are inaccurate and unfair. All requests for calls and contact with me should collection should cease and desist immediately. My credit should be restored and this collection effort should not be reflected on my credit report. It is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13 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: FL

Complaint narrative:
Hello these companies has been reporting fraudulent accounts. The accounts I am disputing does 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. Also, the information you provided on some accounts XXXX DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity : Inaccurate Address : XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX ; Accounts : theft. 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 explanation
Consumer complaint received 2023-12-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed on XX/XX/2023 and in XX/XX/2023 the derogatory mark on my credit report. that is currently listed on my TransUnion. The wrong information remains on my credit report and continues to negatively impact my credit score. The continued listing of this late payment proof that their procedures have not been adequate in this case and did not provided within the legal time frame with the steps and resolotion of their investigation.

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 2023-12-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On XX/XX/2023 a cash transfer for {$5000.00} was sent to a bank account. The date posted was for XX/XX/2023.The credit card company is stating that I said it was a valid transaction because the call generated from my phone number. They gave me the runaround transferring from person to person with everyone giving me a different answer. I did a police report and opened a identity theft case but they claim is not relevant. They did not want to take any of my documentation. I closed the account and warn anyone from opening an account with Barclays JetBlue credit card.

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 2023-12-13 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: DISCOVER BANK
State: NY

Complaint narrative:
in accordance with the fair credit reporting act, this creditor has violated my rights under 15USC 1681 section 6 0 2 states I have the right to privacy. 15 USC 1681 section 6 0 4 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. under 15 USC 166b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation