vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NM

Complaint narrative:
On XX/XX/2023, at XXXX XXXX MST XXXX sent my wife XXXX XXXX XXXX an email stating her account was in blocked status and that she needed to upload her ID to be verified. She uploaded her ID and the XXXX system said it was verified and that her account was then unblocked. On XX/XX/2023 at XXXX XXXX MST she received another email from XXXX stating her account was then blocked and permanently closed. She called XXXX on XX/XX/XXXX shortly after receiving the email and the representative said that it was because Ally bank told them that the {$400.00} transfer that I initiated on XX/XX/XXXX from Ally was unauthorized. I called Ally and they stated that was not true that the issue was on XXXX end that XXXX would not verify information to Ally for the business attachment to proceed. Ally suspended every single transfer and bank account I had with them and linked to them. After a phone call they unsuspended everything but the XXXX transfer. I was told by Ally that the transfer will be sent back to XXXX. I asked them how that can happen if XXXX closed the account. They said I had to call XXXX. XXXX called XXXX to see about getting the account unblocked. They then said it was blocked due to unusual activity but wouldnt explain further what that meant. They said that the money would still go through to Ally because the XXXX was closed that it would not be sent back to XXXX. There is no reason XXXX should have closed the account. There was no unusual activity. Taking money out of an account is not usual activity. The transfer was completely authorized by XXXX and myself via our Ally account. We can prove we own the XXXX account and the Ally account. We want the XXXX account unlocked. We want the {$400.00} transfer to go into our Ally account.

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 2023-06-16 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-16 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 — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Ive submitted an application to a Banana Republic XXXX XXXX via Barclays Bank. Apparently the card was mailed followed by the card being activated and an unauthorized purchase made for {$1700.00} on XX/XX/2023 at merchant named XXXX XXXX XXXX. Ive raised a dispute with Barclays claiming unauthorized, fraudulent transaction, but the dispute case was closed with the claim that chip card technology was used which can not be counterfeited. 

The investigation by Barclays was clearly inadequate and in violation of Regulation Z and failure to correct this and reporting any delinquencies to credit agencies is in violation of FCRA for the following reasons- 1. I did not receive the original card that was sent and the Bank did not provide any evidence with tracking number that the card was mailed and delivered to me 2. I did not activate the card because it was not in my possession. No evidence provided to prove that Ive activated the card.

3. I do not recognize the purchase and neither did I authorize it. I do not know the merchant and not aware of the products or services provided by such merchant. No evidence provided to demonstrate that the purchase was made by me. The account was only opened with the intent to make purchases at Banana Republic stores. 

4. Claim that chip card technology can not be counterfeited to support the Banks investigation is not sufficient to conclude that no fraud occurred. If the card was mailed, it could have been stolen from the mailbox. Also research, including research from XXXX and XXXX demonstrate the card chip cards are not fraud proof.

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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
DUE TO IDENTITY THEFT THESE EQUIFAX INQUIRIES DONT BELONG TO ME, PLEASE DELETE FROM MY EQUIFAX PROFILE. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BSI Financial Holdings, Inc.
State: TX

Complaint narrative:
I set up biweekly auto billpay with XXXX XXXX to deliver the checks to BSI Financial Services for each of my 2 loans, loan XXXX and loan XXXX it went well for many months, and suddenly in XXXX and XX/XX/2023 billpay checks were not delivered by the postal office, due to " undeliverable address ''. But the addresses are the same as before, and postal office resumed delivery in XXXX. When BSI customer service called me in XXXX about the delinquent payments, I paid all the past dues immediately. My intention is to always pay on time, that's why I set up auto pay to start with. The late payments were due to unexpected circumstances with postal office, it is not within my control and not at XXXX XXXX control. Attached please find XXXX XXXX evidence of payments made. I would like to beg BSI to withdraw the late payment report to credit agency, it made my credit score drop from XXXX in XX/XX/2023 to current XXXX. 

thank you very much for your great help! 

XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: NAVY FEDERAL CREDIT UNION
State: MI

Complaint narrative:
I am not reliable for this debt with navy federal credit union acct # XXXX, I do not have a contract with navy federal credit union they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the XXXX to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.15usc1681s-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 reasonable cause to believe that the information is accurate also they are not in compliance with XXXX reporting I have evidence to prove my case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: Grain Technology, Inc.
State: AR

Complaint narrative:
Delete ASAP. I have not supplied proof under the doctrine of Estoppel by silence, Engel Hardt v. Gravens ( MO } 281SW715,719, I may presume that no proof of the alleged debt nor any such debt in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Despite my credit card account being closed as of XX/XX/2023, I have noticed that XXXX and Equifax continue to report this account as open on my credit report. This inaccurate reporting is misleading and can potentially harm my creditworthiness and financial standing. I have made efforts to address this issue with XXXX and Equifax and self-lending inc that's the credit card issuer, but the incorrect reporting persists. 

Requested Action : I kindly request the assistance of the Consumer Financial Protection Bureau in resolving this matter. I seek the following actions to be taken : 1. Conduct an investigation into the inaccurate reporting of my closed credit card account by XXXX and Equifax 2. Facilitate communication between myself, XXXX and Equifax, and XXXX XXXX r to ensure that the account status is updated promptly and accurately. 
XXXX. Enforce any applicable consumer protection laws or regulations that require accurate reporting of credit information. 
4. Provide guidance and recommendations on how to rectify this issue and prevent similar inaccuracies from occurring in the future. 

I have attached copies of relevant documentation.. 

Please feel free to contact me at XXXX or XXXX if you require any additional information or documentation to support this complaint. I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting practices. 

Thank you for your assistance and dedication to consumer protection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-16 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
LVNV FUNDING LLC has reported false and incorrect information on all XXXX credit reports, this is unprofessional for a company to falsely reported incorrect information on my credit report, I would like to have this false incorrect information to be removed from my credit report. The credit card was closed on XX/XX/XXXX with REVVI, I haven't opened any account with LVNV or XXXX  on XX/XX/XXXX, I don't understand why this company would report incorrect information knowing that's its false.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: IN

Complaint narrative:
I received an email stating that the reporting agency was not able to verify inaccurate information and is refusing to delete the inaccurate information The burden of proof is not on me to verify inaccurate/negative accounts that are not mine 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2023-06-16 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: IN

Complaint narrative:
I received an email stating that the reporting agency was not able to verify inaccurate information and is refusing to delete the inaccurate information The burden of proof is not on me to verify inaccurate/negative accounts that are not mine 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

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 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 2023-06-16 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-16 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express Has Stolen Funds From both my accounts Days And Months Later. 
After it was in written that the account has been closed with out my consent.. 

funds have stolen out of my accounts with my consent as well... 

I am : XXXX XXXX XXXX XXXX XXXX Owner Of This Account and Acceptance For Value DONE IN GOOD FAITH UCC1-308 PLEASE AUDIT THIS ACCOUNT AND RECOUP ALL REMITTANCES AND ANY FUNDS DUE TO ME... UCC1-108

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16 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: NV

Complaint narrative:
This is my FURTHER Complaint that I was the victim of identity theft, Experian and XXXX Credit Bureaus don't care at all that I want to dispute these XXXX ACCOUNTS in my credit file. XXXX! How often do I have to tell them that these accounts are NOT MINE? Please DELETE the following accounts listed below. 
XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The letters are stated with items and issues. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable 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 2023-06-16 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
XXXX along with their affiliate XXXX processed an application for credit that was not authorized by me. In fact, it was processed as the result of a fraudster who stole my identity. This fraudulent application was apparently processed on XX/XX/23 based on a fraudulent inquiry I discovered in my XXXX report. I have made numerous attempts to contact the company via phone and email and have submitted a police report along with FTC identity theft affidavit. They have refused to respond and it has become abundantly clear that this is simply their tactic of avoidance utilized in their day to day business. It is also clear their intentional conducts to avoid resolving customer issues with identity theft are both harmful to me personally but to consumers as a whole.

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