vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Dear XXXX, Department of Education, and Transunion, Per the Family Educational Rights and Privacy Act of 1974 and the Privacy Act of 1974 you are in violation of my rights to privacy by reporting nonpublic personal information without my permission or consent. I demand immediate deletion of this data and formally opt out of any furthering reporting of this information. 

Please request that this data be deleted immediately from all credit bureaus, to include Transunion, XXXX, XXXX, and XXXX. 

As a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal, and nonverbal per 15 U.S. Code 6802 and 12 CFR Part 1016 - Privacy of Consumer Financial Information ( Regulation P ). 

Dated : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2024-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Tuesday XX/XX/year> at XXXX used ATM machine a Chase Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Note I only use my debit card at ATM. 
Wednesday XX/XX/year> That morning A ran some errands came home around XXXX did not have cell phone with me. Checked my cell phone was an alert on a purchase on my debut card to XXXX XXXX XXXX. I was able to stop that transaction. After that I immediately checked my email. At XXXX XXXX  was a notice wanting to activate an international wire in the amount of XXXX and {$40.00} fee At XXXX Chase wired funds. NOTE I NEVER AUTHORIZED THIS TRANSACTION. Contacted Chase immediately and talked to wire fraud dept. They made no attempt to cancel this wire. 
Thursday XX/XX/year> went to Chase Bank closed allour accounts and re-opened new accounts. 
This has not been resolved and I have been corresponding with Chase for months. I also filed a police report with XXXX. XXXX, XXXX  police dept. 
I would appreciate any help you could provide us at this point I don't know where to turn. 

XXXXXXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: TX

Complaint narrative:
Dear Experian, I am writing to dispute the inaccurate placement of my mortgage account in the adverse section of my credit report due to an error that occurred during the transfer of my loan to a new lender. This transfer inaccurately caused the account to appear as 30 days past due, despite my consistent and timely payments. I am still actively paying this loan, and it has always been in good standing.Basis for Dispute 1. **Fair Credit Reporting Act ( FCRA ) Compliance** - Under Section 611 of the FCRA ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure the accuracy and completeness of the information they report. The 30-day delinquency reported on my mortgage account is incorrect, resulting from an internal transfer rather than any late payment on my part. Reporting this as adverse does not meet the FCRA 's requirement for accuracy. 

2. XXXX XXXX XXXX XXXX ( XXXX  ) Metro 2 Compliance** - The Metro 2 format, the credit reporting standard, mandates that accurate status and history are maintained when accounts are transferred or sold to another lender. This includes ensuring no late payments are inaccurately reported as a result of the transfer. Since I have never been late on my mortgage payments, any past-due status should be removed, and the account should be moved to the appropriate section. 

3. **Impact of Inaccurate Reporting on My Credit** - The misclassification of this account as delinquent or adverse unjustly affects my credit profile. Reporting errors due to lender transitions should not impact a consumers credit standing, especially when payments have remained on time. 

Request for Action In light of the above, I respectfully request that Experian : 1. Investigate this account to confirm that it is being reported accurately and in compliance with FCRA and Metro 2 standards. 
2. Remove any mention of past-due or late payments related to this account transfer, as I have continued to make payments on time. 
3. Relocate this mortgage account to the appropriate section of my credit report, accurately reflecting its current status as paid on time. 
4. Provide me with an updated copy of my credit report reflecting the correction of this account. 
Thank you for your attention to this matter. I trust that Experian will make the necessary corrections to ensure my credit report accurately reflects my payment history and standing as required by law.

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 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
This letter is regarding the account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting 'validation ' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is? violation of the Fair Debt Collection Practices Act FDCPA 807 ( 15 USC 1962e ) ; therefore, if you c validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 547 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq, this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

Please Note : This notice is an attempt to correct your records, and any information received from you be collected as evidence should any further action be necessary. This is a request for information onl and is not a statement, election, or waiver of status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
As of I know like on 2020 The CFPB ordered TD Bank to pay {$120.00} XXXX in restitution and fines for charging Overdraft fees to Customers who enrolled in a free Overdraft Service. The CFPB also alleged that TD Bank used deceptive tactics to enroll customers and that the bank charged unlawful fees without proper consent. This time also this fraud TD Bank not stopped charging Overdraft fees from there customers account as mine. 

By not having some funds CFPB can't believe this fraud Bank charged {$100.00} Overdraft fees from my account than again they charged one more {$35.00} fees from my account. Total they charged {$140.00} from my account. They never wait 24 hours and charged immediately {$35.00} to make money and after sending notice to them they won't reply back or won't canceled the fees from my account. 

No Bank ever charged so high fees from my account as {$140.00} ever which TD Bank charged to make money. After paying {$120.00} XXXX fines to CFPB they didn't stopped charging Overdraft fees from customers account to make money and get back there {$120.00} millions from customers. So I request CFPB to get me back my {$140.00} from TD Bank who did fraud with me and can't wait 1 or 2 days to deposit money in there account because customers can't check there account balance every minutes or hours online. 

Thank You, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: January Technologies, Inc
State: OK

Complaint narrative:
Company sent multiple emails at the hours and constantly text me at the hours

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
In according with the Fair Credit Reporting Act account XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX, Date XX/XX/year> accounts balance : {$470.00}, {$300.00}, {$530.00} and {$340.00}. has violated my rights. 
15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-11 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: NC

Complaint narrative:
In according with the Fair Credit Reporting Act account XXXX XXXX XXXX C/O XXXX XXXX XXXX XXXX, SC XXXX, Date XX/XX/year> accounts balance : {$470.00}, {$300.00}, {$530.00} and {$340.00}. has violated my rights. 
15 U.S.C. 1681 Section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 2 : It also States a Consumer Reporting Agency can not furnish a account without my written instruction.

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 2024-11-10 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: Global Lending Services LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries made by the companies listed. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed inquiries are without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. I am requesting that they be removed immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries made by the companies listed. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed inquiries are without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. I am requesting that they be removed immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I also noticed that you reported this debt on my credit report as a charge-off with a balance. This reporting is accurate, and here is the reason why : if you sent me a 1099, this means that you charged off this debt, and took a tax right off. You basically cancelled the debt. You also filed a claim with your insurance company to offset the alleged loss. Because of these two actions, the liability no longer exists, and you can no longer report this charge-off to the credit bureaus. If you continue to report, you will be in violation of the FCBA and FCRA. I will do whatever it takes to protect the rights afforded to me by the FCRA. 
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 2024-11-10 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is unauthorized credit inquiries made by the companies listed. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. The listed inquiries are without authorization and for no legitimate business purposes. As such, it is a very serious error in reporting. I am requesting that they be removed immediately from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: LA

Complaint narrative:
Chime suspended my account due to me trying to send a payment out of my account to an account in my name that was closed. The payment balanced back into my chime account. Chime will not reopen my account until I provide them with documentation of why the money didn't go through to my XXXX XXXX account. Ive called XXXX XXXX to get this information and they do not have it. Chime will not do anything with my account until I provide this information. I still have a balance on this account that I want to withdraw and chime will not let me take it out. This account was first suspended on XX/XX/XXXX. Chime will not work with me or give me my money back. It has been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear Sir or Madam, I am writing to inform you that I am a victim of identity theft. The following unauthorized items have appeared on my credit report due to this fraudulent activity : XXXX XXXX XXXX XXXX - {$15000.00} XXXX - {$840.00} XXXX XXXX  - {$500.00} XXXX XXXX - {$490.00} The fraudulent account details and associated personal information are unrelated to my legitimate financial history and have been placed on my report without my authorization. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, I am requesting that you block this information from my credit report within four business days. This section mandates that credit reporting agencies must block information resulting from identity theft upon receipt of appropriate documentation. 

Please confirm in writing that these accounts have been removed from my report and provide documentation of the actions taken. I appreciate your timely attention to this matter to ensure the integrity of my credit report. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX 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 XXXXXXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, 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.

and according to 15 USC 1681s-2 they are supposed to 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 non-monetary relief
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
My XXXX  XXXX XXXX  was stolen once the police recovered it, I paid to get it out and the bank " Credit Acceptance '' reposed the vehicle is now trying to make me pay for the car but also the person that stop the car did in fact get arrested

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 2024-11-10 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I had an investigation done by XXXX to remove a {$9800.00} collections debt on my report which they did remove it but that collections debt is still showing up on my Experian and XXXX reports.

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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Over the past two years, I have incurred five overdraft fees with Citibank, despite having sufficient funds in my account for several days following my payment submission. Citibank failed to pull the funds promptly. I consistently pay my credit card in full and on time from my XXXX XXXX checking account, and XXXX XXXX has confirmed that the timing between my payment confirmation and when they receive Citibank 's request for payment is sufficiently delayed. 

I intentionally keep minimal funds in my checking account, opting instead to maintain higher balances in savings to earn interest. I wrongly assumed that Citibank would pull payments promptly, so after a few business days, I moved funds back to savings, assuming the payment had already cleared. However, Citibank often attempts to pull the funds the following day, by which time theyve been moved back to savings. 

Ive contacted multiple Citibank representatives and provided evidence of my account balance at the time of each payment to have these charges reversed, but my efforts have been unsuccessful. I recently learned of XXXXs lawsuit for similar practices and that Citibank had committed to ending this practice in 2022. 

I am happy to provide evidence of my checking account balance and payment confirmations upon request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation