vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$250.00} XXXX XXXX Balance : {$250.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Bank restricted access to my mobile app and online baking starting on XX/XX/year>, with no reason given. I called, and they put in a tech-support ticket and told me it would take three business days. They did not know why this had happened. Today, on XX/XX/XXXX, I tried to set up a XXXX PIN because I can not see any transactions or make any transfers. The Telebank PIN would allow me to hear transactions at least and get my account balance. This also failed because the IVR did not recognize my Social Security number when I tried to verify myself over the phone. Now, I have to call and speak to someone in customer service to get information regarding my account balance. This feels like a violation of my privacy, and I would like this to be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This letter serves as a formal complaint that you are reporting inaccurate and incomplete information on my credit report. the notation of the following late payment ( s ) and charged off total balance is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation, date and balance whether reported or not. USAA XXXX I also respectfully request to be provided specific proof that these alleged late payments were in fact late. I request to see all statements and payment transaction records from the creditor that would prove that my payment was not submitted on time. It is my understanding that you must verify these items with the reporting creditor for accuracy. 

If you are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws15 USC 1681i, 15 USC 1681s-2 ( a ), 15 USC 1681s ( b ) In addition to that, I was never provided with the Opt Out option under the privacy of consumer financial information 15 USC 6802 . Before my nonpublic information was shared with an unaffiliated third party, Creditor never have me the opportunity to opt out of such sharing. Please provide me with a copy of the notice and the date it was sent. Non-public information includes account balances, transaction history and payment information. My rights have been violated because I have never been informed about how my financial information is being shared with unaffiliated third parties. Creditors are supposed to follow these rules to protect the privacy of my information and prevention of unauthorized sharing. 

I have not been provided proof under the doctrine of estoppel by silence ( XXXX v. XXXX, XXXX XXXX, XXXX ) and presume no valid debt exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Titanium Funds
State: UT

Complaint narrative:
I am writing to file a complaint against Titanium Funds, also operating under the name XXXX XXXX XXXX, regarding their unauthorized attempt to charge my credit card {$400.00} on XX/XX/year> related to a previous loan they provided me. I was involved in an accident with the previous loan vehicle in XX/XX/year>. My insurance paid off part of the totaled vehicle loan and XXXX XXXX XXXX insisted that I obtain a new loan from them for a new vehicle and they will wipe out the old loan for the totaled vehicle. Titanium Funds in fact did wipe out the other loan. It showed up as PAID on there online payment system. 

Then, on XX/XX/year> they unexpectedly repossessed the replacement vehicle I had purchased, claiming the new loan had never been funded. 

Now, on XX/XX/year>, on the same day they repossessed the vehicle, I was alerted by my credit card company that Titanium Funds had attempted to charge my card {$400.00}. 

This is completely unacceptable. I have already suffered significant XXXX XXXX XXXX XXXX due to XXXX XXXX XXXX XXXX XXXX XXXX actions, and they have no right to continue charging me for a vehicle they do not possess. The accident-related loan has been resolved, and I should not be responsible for any further charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
The Response below from XXXX XXXX XXXX Bank is a lie since the unauthorized hard inquiry still shows up on my credit report, causing significant XXXX XXXX XXXX XXXX XXXX. I have call logs from XXXX XXXX XXXX XXXX that they harassed me by calling me after they found out they made a mistake. Their repeated evasion of the unauthorized hard inquiry when asked about it is evident in these call logs. They also appear to misrepresent themselves to consumers and Equifax, as Equifax keeps saying, " we didn't get any information from XXXX XXXXXXXX XXXX XXXX  but we are trying to remove it and its hard since XXXX XXXX XXXX XXXX  doesn't inform us of anything. Also my credit report clearly shows the unauthorized - Hard Inquiry " Inquiry details. 
XXXX XX/XX/2023 '' XXXX XXXX XXXX Bank already has XXXX XXXX of complaints from consumers due to its illicit activities. 
There should be Monetary relief of ~ $ XXXX since my credit score took a ding by some points due to their unauthorized hard check, which prevents me from obtaining the best rates in loans, mortgages, etc. 

Below Are XXXX XXXX XXXXXXXX XXXX lies/evade their wrongdoing : " Company 's Response " We previously requested that the credit reporting agencies remove the inquiry from the credit report. We reached out to Equifax, and they confirmed they could not find an inquiry about this. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dispute of Fraudulent Hard Inquiries - Request for Removal under FCRA XXXX XXXX Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was recently contacted by Wells Fargo for some open disputes issues resulting on being denied and/or never resolved. The cases were recently resolved and they are as follow : Claim Numbers : XXXX, XXXX, XXXX. All on account ending on XXXX. My account was closed on XX/XX/year> and right before closure there were several disputes that weren't resolved/closed in my favor, they never got the chance for proccesing. I believe the disputes resolved are part of these unresolved disputes, only those were reviewed but I'm still missing several others. 

On the other hands, as part of remediation efforts I was also contacted for compensation for only around {$40.00} dollars. After doing my research I found out I was never compensated for my GAP insurance I paid to Wells Fargo after paying my car loan early. 

Please note these are XXXX separate issues and I'm requesting a thorough review of all historical claims were never resolved, specially those prior to account closure. Also, Please check my car loan that was paid early and never got reimbursed for remaining GAP insurance I paid when I obtained this loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating 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  The following inquiries were not authorized and should not be reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
ACCOUNT NUMBER : XXXX CATEGORY TYPE : Account Inquiry XXXX My interactions with two customer service representatives, who appeared to be outside the XXXX, were XXXX by a distinct lack of transparency. They were unwilling to share their information, yet they demanded all of mine. I have complained with XXXX, XXXX # XXXX, and XXXX, XXXX # XXXX. 

I have also filed a complaint with the number XXXX and am eager to learn the outcome of these complaints. The actions of the customer service representatives are questionable and contribute to a fraudulent environment, potentially endangering consumers ' identities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dispute of Fraudulent Hard Inquiries - Request for Removal under FCRA Section 605B Subject : Disputed Inquiry on Consumer Report I hope this message finds you well. I am writing to bring to your attention an issue I have discovered while reviewing my consumer reports. Upon inspection, I noticed an inquiry on an account that I have never associated with or initiated. 
This inquiry appears to be a mistake and is impacting my credit report unfairly. Despite my efforts to rectify this directly with the credit reporting agencies, I have not received any resolution. 
Enclosed with this correspondence, you will find detailed documentation supporting my claim, including copies of my consumer reports highlighting the erroneous inquiry. 
I kindly request the assistance of the CFPB in investigating and resolving this matter promptly. Your intervention in correcting this mistake would be greatly appreciated. 
Thank you for your attention to this issue. I look forward to your prompt response and assistance in rectifying this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, A Credit Card with XXXX XXXX XXXX Bank was opened in my name for a credit line of {$300.00}. I want this account removed from my credit profile immediately and effectively from all reporting credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Subject : Dispute Regarding Inaccurate Reporting and Request for Resolution Dear CFPB, I am submitting this formal dispute against the following companies regarding their continued failure to update and correct the status of my accounts despite having received ample notice and time to do so : XXXX XXXX XXXX XXXX. 
XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXE On XX/XX/year>, I provided written instructions to these companies and the respective credit reporting agencies Equifax requesting that the accounts be updated to reflect the following accurate statuses : Reported Balance : {$0.00} Account Status : Closed/Paid Remarks : Nothing to Show or Resolved Payment History : Nothing to Show or 100 % Paid Amount Past Due : Nothing to Show Despite my written requests and the sufficient time allowed for compliance, these updates have not been made, and my credit reports continue to reflect incorrect information. This continued inaccuracy is causing harm to my creditworthiness and is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ACIMA CREDIT, LLC
State: NC

Complaint narrative:
I wrote to this company about this debt.ask the company to send me a validation of this debt back in XXXX Of 2021 after I saw it on my report .company has violated all my rights under 12CFR 1006.34 section C account number XXXX acima Digital fka simp

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: FIRST UNITED BANK AND TRUST COMPANY
State: TX

Complaint narrative:
Hi, I have opened the account online at First United Bank on XXXX XX/XX/year> using the ongoing promotional offer of {$250.00} during that time for opening the checking account. 
I applied using the promotional code and it was successfully applied to my account opening application. After successful account opening I fulfilled the terms and conditions to qualify for bonus which was XXXX USD in direct deposit with in 90 days of account opening. 
After that I reached couple of times in XXXX and XXXX to the customer representative through United Bank app inbuilt chat option to make sure that promotional code is successfully applied to my account and to confirm I have fulfilled the bonus requirements which they confirmed I did. Now in XXXX when the bonus was not disbursed I reached out back to them asking for the explanation that why I have not received bonus and they mentioned that offer ended on XXXX. Now this lead to XXXX conflicting cases- First -If the promotion was ended on XXXX then why I was still able to apply the promotion code on account opening on XXXX and why even it was showing in the first place? 
Second I checked with customer rep regularly through their app chat option and they did confirm the promotional code was applied to my account and your bonus will be paid in XXXX. 
I reached out to branch representative and requested for chat logs but they denied it and said as per Marketing team I am not eligible to receive offer. This has wasted lot of my time and efforts in the follow up, this definitely raises integrity issues with the bank which has no importance for the customer satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: VA

Complaint narrative:
According to Consumer Law 15. USC 6801-6802, it is illegal to put anything on my consumer report without my permission.SUNRISE CREDIT SERVICES DIDN'T HAVE MY WRITTEN CONSENT TO REPORT ANY NEGATIVE ITEM ON MY REPORTS.THIS IS UNVERIFIABLE DATA. 
Our personal information isn't supposed to be shared by a third party. No financial institution can share my NON PUBLIC information with a third party entity. I am a victim of identity theft, and demand for immediate action that this Collection be removed at once from all three Credit Agencies.

According to FCRA Section 605 B, it is illegal to report information on me credit report without my permission. Thank You.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: AZ

Complaint narrative:
This letter is to inform Experian that you are reporting a fraudulent account that arose from Identity theft. It had been previosly deleted and came back to my report. I never applied for this credit card and did not recieve any good or services from XXXX. In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 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 resonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Bank of China USA
State: NY

Complaint narrative:
My account was suspended because I didn't update my personal information on time. After I updated my information and uploaded all the files the bank requested, my account is still being suspended. Then I called the branch, and they didn't give me a clear answer about when my account could back to normal status. I waited for almost 7 days since I first uploaded all my files to request unfreezing my account. I still have more than {$2500.00} in this banking account, and I feel nervous because I really need to use it to pay my current rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-24 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: IL

Complaint narrative:
I recently received a copy of my credit report and I noticed I had a fraudulent account on my credit report. Please remove this fraudulent account from my credit report, this fraudulent account is hurting my ability to obtain credit and buy a home.

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