vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-01 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: EQUIFAX, 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-01 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: NC

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 which is a violation of the FCRA and FDCPA and you 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. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-04-01 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: NC

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 which is a violation of the FCRA and FDCPA and you 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. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Prior to opening an American Express account, I was informed as the spouse of an active-duty military member ( my husband has been active reserve XXXX XXXX for over 13 years ), we would be eligible to have the MLA ( Military Lending Act ) added to both of our accounts. We do NOT qualify for SCRA, as the account with AMEX would be opened after the beginning service date. We DO qualify for the MLA, however. 

I have been fighting with American Express since my account opening to have the MLA added to my account. Every time, they take my information and then a few weeks later I get a letter stating we are not eligible. I have uploaded my husband 's military documents multiple times, copies of our marriage certificate proving I am his spouse, and letters explaining to AMEX what we are and are not eligible for. Despite this, I have now been denied XXXX  times. Each time, the rep tells me they will " fix '' the issue and take all of the same information. They refuse to give me to a supervisor or have someone correct the information immediately. I am at a loss as to what to do. We are indeed eligible for this, and they have applied it to my husband 's account, but refuse to do so on mine. 

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 explanation
Consumer complaint received 2023-03-31 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: TX

Complaint narrative:
XXXX XXXX  Account ( Account Number:XXXX  ) Thank you for your previous response on XX/XX/2022 for the above account, however I am still in disagreement with the results of the investigation into the inaccurate items reporting on my credit file. I have yet to receive any verification or documentation proving that my payment history is being reported accurately, specifically in regard to the late payment. As per the Fair Credit Reporting Act ( FCRA ), it is your responsibility to investigate any dispute I bring to your attention and to correct any inaccurate information on my credit report. The FCRA requires that you provide me with the results of your investigation in writing, including a description of the nature and substance of the information received from the original source, and a notation that the information is being disputed. Additionally, under the FCRA, you must provide me with all relevant information used in reaching the conclusion of the investigation, including any documentation or verification from the original source. This is to ensure that I have the opportunity to review the information and determine if it is accurate. Given the provisions of the FCRA, I expect that you will have no choice but to update my payment history to current and my status to paid as agreed and never late. I look forward to your prompt resolution of this matter.

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 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIRST CITIZENS BANCSHARES, INC.
State: WA

Complaint narrative:
I completed the online account application process with cit.com on XXXX XX/XX/2023. The application process failed, without providing a reason. I telephoned CIT Bank Customer Service and was told my application had been rejected, but they were unable to provide a reason. I was told someone else would phone me within 3 business days to explain the rejection. 

On XXXX XX/XX/2023 I still had not heard from CIT Bank so again phoned Customer Service. They again had no explanation for the rejection. They suggested I submit another application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, My Credit Card/Credit Line Debt balance is showing incorrect.. 
Also, the late payments are inaccurate for XXXX XXXX for XXXX, XXXX XXXX XXXX  for XXXX, XXXX XXXX XXXX ( XXXX ) There are other discrepancies also, but this is a good starting point.. 
I have excellent payment history yet not getting approved due to the low score XXXX keeps showing..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 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: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
LEGAL CONSTRUCTIVE CONSUMER FRAUD EXPOSED The FTCs Bureau of Consumer Protection stop unfair, deceptive, and fraudulent business practices by collecting reports from natural person consumers and conducting investigations, suing companies and people that break the law, developing rules to maintain a fair marketplace, and educating natural persons consumers and business about their rights and responsibilities. 
Consumers Fraud is a deliberate misrepresentation on which a banking business intends for natural person consumers to rely. Consumer fraud is a form of misrepresentation committed by beneficiary seller banks or financial institutions against a buyer or a group of buyers that are natural person investment companies to whom a banking business deliberately misrepresented any Social Security Number card thing with the intent that a natural ( fool ) person consumer will rely on the misrepresentation that a SSN is used for identity verification purposes, resulting in harm or loss to par value, at least to some natural person consumer who believes so. 
Consumer fraud is barred by statute and, unlike common-law fraud of agency undisclosed principal doctrine, in most jurisdictions is complete at the time of a deliberate misrepresentation of a SSN as identity or the commission of a deceitful and fraudulent practice. 
An action against a banking corporation or financial institution for consumer fraud does not require PROOF of reliance on the misrepresentation by or deception of a natural person consumer. 
Consumer fraud committed by a beneficiary seller Bank of collateral securities, such as bills or notes belonging to a natural person consumer, involved with interstate commerce is regulated by the Federal Trade Commission , Bureau of Consumer Protection that is authorized to stop fraudulent practices against SSN card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
Ally is unable to take a report of an error on their website. I signed up for a new credit card and was able to activate it and not able to enroll in online banking. When I did call on XX/XX/2023 to get help enrolling in online banking, the customer service representative told me there is no way for her to report a problem with the website. There was no solution for enrolling me in online banking and I closed the account. Ally bank is not able to provide successful website operations and that is XXXX of the advertised offerings of their credit card. The customer service representative was rude and passive and made rude XXXX comments about the deep sound of my voice and said that my deep voice meant " XXXX XXXX '' to her.

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 2023-03-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These names, addresses, and employers are inaccurate and fraudulent. They do not belong to me or associate with me. 

Names : XXXX XXXX XXXX XXXX XXXX XXXX Addresses : 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 explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
XXXX They holded my bank account when I try withdraw cash. I call them, and that said I will recived call for next 24 hours, and it was not happening. Then I call them again, they said I will receive call by this week, and again I don't recived anything. 
Now is XXXX and I don't received any calls. I make all cash out from XXXX for this account. I pay loan for my car by this account, and now I don't have access to my money and can't pay 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 non-monetary relief
Consumer complaint received 2023-03-31 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Complaint No : XXXX Lease No : XXXX Acima Credit is falsely presenting themselves as the original creditor in this leasing agreement and the debt is being incurred from XXXX XXXX XXXX. This is in response to the statement that Acima does not identify as the original " creditor '' or that " consumer credit transactions '' does not apply to them. Well the credit was extended to me so someone has to the be the original creditor in this agreement. I am pointing out XXXX XXXX XXXX as as the original creditor for this Acima leasing agreement because of the signature I see signed from the original lease agreement through a XXXX representative. Also because of the notion that Acima is saying consumer credit transactions don't apply to them and they are not the original creditor. I am filing a complaint to both companies for failing to disclose in the original leasing agreement that the debt is in fact incurring from XXXX XXXX XXXX  and using false pretenses to hide the fact XXXX XXXX XXXX  is the original creditor in this leasing agreement under the Acima name. ADDITIONALLY, I'd like to defer the federal violations from the previous complaint to Acima to XXXX XXXX XXXX as they are identified as the original creditor of this lease agreement. If I have reason to believe XXXX XXXX XXXX is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605. In the original leasing agreement with Acima Credit ( or XXXX XXXX XXXX, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima ( or XXXX XXXX XXXX ) is evidence of this violation. Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of XXXX percent of the total amount of credit extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have done business with Chase for nearly XXXX decades with no issues until now. As of XX/XX/XXXX ( to my knowledge ), my primary checking account with them has been frozen, and I can not pay my Chase credit cards, other bills, or utilities or withdraw any of my own funds. Chase still needs to provide me with an answer as to why, will not explain the situation, and will not provide me with a timeline. My funds are essentially being held XXXX with my most recent paycheck, unfortunately being a part of this situation. I was not alerted to this freeze via a push notification, a text, an email, a secure message, or contacted in any way until I noticed a failure to transfer funds or errors in my Chase app. An in-person visit to my local Chase bank was mandated and made no difference other than the representative allowing me to pay my Chase credit card through his workstation. Again, I can not pay my Chase credit card statements now. This freeze has also resulted in my new money market account with XXXX bank failing to transfer scheduled funds and has resulted in a service suspension with my new account. This is affecting my reputation as a new customer and is placing immense strain on all my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03 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: NC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$410.00}

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 2023-04-03 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: NC

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : XXXX XXXX Balance : {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Well I was with Wells Fargo who had a settlement and I was wondering was I eligible or a claim..I seen this was a claim between the time of XXXX to XXXX I'm no longer with the but I was at that time.

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 2023-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX 1 ) XXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and has a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- - XXXX 1 ) XXXX XXXX XXXXXXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

4 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

5 ) Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

6 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

7 ) Inquiry from XXXX XXXX XXXX  on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

8 ) Inquiry from XXXX XXXX XXXX XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

9 ) Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
-- -- -- -- - TRANSUNION 1 ) XXXX XXXX XXXXXXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I dont remember ever being late with a payment on this account. 

2 ) Inquiry from XXXX XXXX XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 

3 ) Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief