vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-16 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I REQUESTED a factual dispute with experian there response was the creditor said the information was accurate when in fact it isn't charged off account s cant not have a past due amount and reporting charge off every month in the payment history manipulation of the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: PA

Complaint narrative:
On XX/XX/2023 Direct Express let XXXX take XXXX from my account for a year and half while i had no XXXX XXXX to use the XXXX account. i was homeless and on XXXX. i called to find out where the money was going and was asked to provide proof to the bank that i had no way of using the service i was being charged for. i explained imXX/XX/XXXXhomeless and dont even have a place to plug a video console in. I asked XXXX through a call and email to immediatly stop taking the money from my account. they continued to do so for XXXX months in XXXX of 2023 i furnished proof of the emails to the bank showing that XXXX stated they would stop despite still taking money. Direct express uses a joke of a dispute process for thier customers to go through because they profit off sending out new cards. XXXX recently took XXXX from my account unauthorized. I immediatley called on a recorded line so they say. They specifically asked if i wanted my card cancelled i said no and they cancelled it anyway. i was not able to be refunded the money then. they asked if i wanted time to get my last XXXX out then they would cancel it i said yes for sure and they cancelled it anyway. i was told i would be charged XXXX for a new card i was charged XXXX total. i furnished copy of a police report id and an affidavit as they had asked for spoke to numerous supervisors. this happend on the XXXX of the month and i still do not have my money back. how is money federally insured by and through federal benefits and this company gets away with letting people steal from XXXX individuals so they profit.. i would like to know how many new cards they send out a month due to their own purposeful negligent " mistakes ''. THEY then had my card declined while trying to get gas on the XXXX with money in there. that is now conveniently on a hold and my account is XXXX  i have to wait for that is well. why do i have to suffer because of their purposeful negligence? When does it end. where is money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
someone hacked my XXXX  account and transferred money from my chase account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear XXXX, I am writing to address the associated reporting to credit bureaus. I want to bring to your attention my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically : FCRA Sections : 15 U.S. Code 1681 ( b ) ( 2 ) 15 U.S. Code 1681 ( a ) ( 1 ) 15 U.S. Code 1682 ( C-2 ) 15 U.S. Code 1681 ( a ) ( 2 ) ( A ) ( I ) FDCPA Sections : 15 U.S. Code 1692 ( d ) ( 2 ) 15 U.S. Code 1692 ( c ) 15 U.S. Code 1692 ( g ) 15 U.S. Code 1692 ( d ) ( 1 ) These sections collectively emphasize the importance of fair and accurate credit reporting and prohibit certain debt collection practices. 
I dispute the validity of the alleged debt, and it is my understanding that inaccurate information must not be furnished to credit reporting agencies. Additionally, I request that you cease all communication with me or any third parties regarding this matter, as outlined by the FDCPA. 
Furthermore, I insist that you promptly remove any negative information related to this disputed debt from my credit reports, in accordance with the FCRA. 
Failure to comply with these requests may result in legal action, as provided by both the FCRA and the FDCPA. 
I request that all correspondence regarding this matter be provided to me in writing, and I expect your prompt attention to this issue.

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 2023-10-16 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: DC

Complaint narrative:
XXXXXXXX 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 2023-10-16 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: DC

Complaint narrative:
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 2023-10-16 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: TX

Complaint narrative:
XXXX To Whom it May Concern This letter is my 3rd complaint that you are reporting inaccurate and incomplete credit information.

15 usc 1681e ( b ) Compliance and procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall fellow reasonable procedures asure maximum possible accuracy of the information concerning the individual about whom the report relates. 

otherwise anyone paying for your reporting services could fax, mail, or email fraudulent account. 

I demand to see verifiable proof ie.an oraginal consumer Contract with my signature on it that you have in file for the accounts listed below or a certification from the creditor that certified the accuracy and completeness of the information Your failure to positively verify these accounts has hurt my ability to obtain credit.Under the FCRA unverifiable accounts must be deleted and if you are unable to provide me a copy of verifiable proof you must Delete the accounts below I demand that the following accounts on my police report and ftc be deleted immediately the in addition Delete all non account holding inquiries over 30days old Under federal law you have thirty ( 30 ) days to complete your re-investigation Be advised that the description of the procedure use to determine the accuracy and completeness of the information is hereby required as well to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Deficiency balance after repossession
Company: CarMax, Inc.
State: CA

Complaint narrative:
As a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report. According to 15 U.S. Code 1681n - Civil liability for willful noncompliance, it states, Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
On or about XXXX i called in and requested the company review my current loan to value and eliminate PMI from my loan. I have made over XXXX in XXXX to the home and the value has gone up greatly. I was told they would review it and get back to me. I received a letter asking for the request to be in writing. They asked that I include the XXXX that have been made, cost of XXXX, and the dates ( although any improvement is obviously since i purchased the property ) and a check for {$190.00} for the XXXX. I wrote a letter that same day providing the work done, cost, and the date of the remodel. All work was done by a licensed XXXX. I followed up on the letter by phone and they asked me to resubmit the work details to include specific dates for each item ( start/ end date ) in a specific format that is a spreadsheet or they will not consider the request. Again the request must be in writing, certified letter, online or fax not allowed. I spoke with them again and tried to escalate and was put on death hold. I contacted them to day and they have again refused to visit my request. 

This is not only costing me money from them every month, but it is delaying a new roof and solar panels I have planned. The company i plan on using to finance the panels and roof will not go behind a loan with PMI. This is costing me about XXXX a month. I have worked with this company prior and have never had an issue. They are stating the " investor '' sets the requirements for what they need to see in order to initiate a PMI removal. I tried to explain that their company policy does not supersede Federal Law, but I dont think they care. I am familiar with the law and they have not sent out any of the required PMI disclosures either. I also note that a number of the other disclosures were missing information. I have not received any notice that my request was approved or denied in the required time frame as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my XXXX XXXX. This INCORRECT late payment, and account information needs to be removed immediately per the XXXX reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These accounts have been reported late when it has never been late and the accounts are all closed. These are also closed accounts thag have all been settled. This incorrect information it is affecting my XXXX XXXX. This INCORRECT late payment, and account information needs to be removed immediately per the XXXX reporting laws stating correct reporting is mandatory. These are the incorrectly reported accounts. 

XXXX XXXXXXXX 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 2023-10-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX I sent a wire transfer from Dime Bank to XXXX for XXXX. A week later I was informed by the company who was to receive it that they never got it. I contacted my bank and let them know. A few days later they said XXXX had requested the correct account number which was off by a digit when sent. I provided the correct account number and thought all was fine. XXXX again asked for the account number and it was again provided. Still my supplier never received the money. I was then informedly my bank XXXX was returning the money to me and I would have the money back in my account. That never happened. In XXXX I was informed by the branch manager that the bank attorneys were involved and they were going to handle this. I learned on Friday from the regional manager no bank attorneys are involved and that basically there was nothing else they could do. He told me I verbally provided the incorrect account number which was a lie. I provided a printout which had all the correct information on it. Myself and the Clerk signed it, as well as the branch manager who later approved it and sent off. I have been mislead from the start as to what was happening. I have been more than patient and would like them either hire the bank attorneys that they said were working on this and refund my money. After banking with them for 32 years I expect more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
For over a year I have been having problems with my Transunion with retrieving my credit report or filing any dispute on the Transunion direct website. I keep receiving the same error, and when I try to speak to someone, they will either hang up or transfer me to another department that keeps saying it's a temporary issue. Still, I have had this temporary issue for over a year. The only way I can view my credit report will be by requesting all three reports from 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 2023-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: RI

Complaint narrative:
XXXXXXXX XXXX owes me {$98.00} in a refund from when my account with them was paid off XXXX XXXX XXXX {$98.00} was due to me and sent to me but the check was returned. Twice. I have called. XXXX has called since late XXXX. It is now mid XXXX. I submitted a written dispute and in XXXX days they concluded the check was cashed. Every time I try i get a new person who begins with no knowledge of my problem and they only look at a screen which tells yh the incorrect information that the check was cashed. I have addressed additional letters with proof that the check was returned twice to Head of Dispute Dept. They do not have a phone line that i am able to use. Hrlp m e get my {$98.00}. I am XXXX on low. Income and have no money. They have billions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I signed the original contract on XX/XX/2023 for my vehicle and in XXXX the Finance Manager called me and said that I was overcharged for the loan and that they were sending a driver to bring me the new contract to sign. The driver came and I signed the new contract. I texted the Finance Manager to get a copy of the contract and I have never received it. Even after the contract was signed, my credit continued to be hit which affected my credit score. I made my first payment which was due on XX/XX/2023 on-time. On XX/XX/2023, I lost my job. On XX/XX/2023, I contacted Ally Bank to see about changing my due date from the XXXX of the month to the XXXX of the month and the representative advised me that I was able to change the due date. At the time, the balance reflected $ XXXX being owed. On XX/XX/2023, I received an alert from XXXX XXXX that {$240.00} was added to my loan. On XX/XX/2023, I called Ally Bank and spoke to a representative and a Lead. They both said that no changes were added to my account, but now the loan is showing $ XXXX. I then contacted XXXX XXXX Finance Manager and they are denying adding the additional amount to my credit report. I even sent a screenshot with the notification and both entities are denying that they did this.

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 2023-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There is incorrect information on my credit report regarding a collection account from XXXXXXXX XXXX XXXX According to the law and FRCA this information has to be reported correctly. Remove this collection from my credit report immediately. 

XXXX XXXX XXXX  Account number : 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 2023-10-16 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:
These accounts in my report are hurting me because they are fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}

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 2023-10-16 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: FL

Complaint narrative:
These accounts in my report are hurting me because they are fraudulent. 


XXXX XXXX XXXX XXXX XXXX XXXX {$580.00} XXXX XXXX XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-16 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: FL

Complaint narrative:
These accounts in my report are hurting me because they are fraudulent. 


XXXX  XXXX XXXX XXXX XXXX  XXXX {$580.00} XXXXXXXX XXXX  XXXX {$3400.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX XXXX {$15000.00}

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