vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-06 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I am filing this complaint to inform you that Ally Financial has unlawfully reported unauthorized inquiries on my XXXX and XXXX consumer reports. I have not given permission for Ally Financial to access my consumer report, and there is no permissible purpose by law for this inquiry. I am a victim of identity theft. I have filed an identity theft report with my local police department and the FTC. ( see Evidence ) I have not initiated any transaction with ALLY FINANCIAL. Furthermore, I do not have an account as defined under XXXX XXXX. XXXX ( XXXX ) with ALLY FINANCIAL for review or collection. I wrote to Ally Financial on XX/XX/XXXX [ certified mail # XXXX ] and again on XX/XX/XXXX [ certified mail # XXXX ] to resolve these issues to no avail ( See Evidence ). I have requested the general or specific certifications pursuant to XXXX XXXX required by XXXX XXXX. XXXX ( f ) ( XXXX ) to establish permissible purpose and they have provided no such documentation. 

Details of Violation : Dates of Unauthorized Inquiry : XX/XX/XXXX and XX/XX/XXXX Consumer Reporting Agency : XXXX ( XXXX violations ), XXXX ( XXXX violation ) By obtaining my consumer report on the aforementioned dates without any permissible purpose, Ally Financial is in violation of the Fair Credit Reporting Act ( FCRA ), codified at XXXX U.S.C XXXX ( a ) XXXX ( f ) ( i ), XXXX XXXX. XXXX ( f ) ( XXXX ) XXXX XXXX. XXXX ( a ). Therefore, Ally Financial has committed XXXX XXXX. XXXX, which is tantamount to XXXX XXXX. XXXX. This statute invokes XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ), and I am owed remedy per violation. 

References : Case Law : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) XXXX XXXX : section XXXX of the XXXX XXXX ( XXXX XXXX. XXXX ) ( relating to obtaining customer information by false pretenses ) ; XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ) XXXX XXXX. XXXX XXXX XXXX. XXXX ( f ) XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX CFR Part XXXX, Fair Credit Reporting ; Permissible Purposes for Furnishing, Using, and Obtaining Consumer Reports. 


Statutes Violated : XXXX XXXX. XXXX ( f ) ( XXXX ) XXXX XXXX. XXXX ( a ) XXXX XXXX. XXXX ( a ) XXXX ( f ) ( i ) XXXX XXXX. XXXX XXXX XXXX. XXXX Impact and Damages : As a result of this violation, I have suffered various harms, including the denial of new credit and increases in lines of credit. The invasion of my privacy has caused reputational, emotional, physical, and economic harms.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
About XX/XX/year> I emailed a request to cancel my Chase bank Private Client Debit Card. XXXX responded that he can't. I responded with a demand that the card be canceled immediately. No response after that. 
XX/XX/year> I contacted by email XXXX XXXX for help. I tried emailing XXXX the bank XXXX but no resonse. XXXX sent my email to the complaint escalation dept. on XX/XX/XXXX. 
XXXX XXXX I received a letter from Chase bank XXXX XXXX XXXX XXXX saying the had not been able to reach me. I've had no problem emailing XXXX XXXX at Chase bank. 
Bottom line is I demand my Private Client Debit Card be canceled immediately as I demanded on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was at home sitting heard a notification came in on my phone, my BOFA account was unlocked without my permission at approximately XXXX upon trying to log in to my account. Notice that I was unable to get any access whatsoever to my online banking. Since then Ive tried to reach out to the company via using there steps & guidelines online through XXXX, maybe over an hour using my accounting number/ card number still wasnt able to get to customer service nobody whatsoever. Because the online automation is telling me that my account/ card number doesnt match with the same number used to open the account isnt working. Ive got over XXXX in my safe balance and I need to know or where to get help with my financial situation urgently..Need to know why Im block.

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 monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
The duty pursuant to the FCRA, it EQUIFAXs to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXXXXXX XXXX  XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/XXXX, a 30 day late payment posted in XX/XX/XXXX, and a 30 day late payment posted in XX/XX/XXXX. This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX XXXX. XXXX ( d ) ( XXXX ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a transaction. With that said, the reporting of this inaccurate late payment has resulted in EQUIFAX violating my federally protected consumer rights. To add to this, I did NOT give EQUIFAX written instruction/permission to furnish this inaccurate late payment on my consumer report and file, violating XXXX XXXX. XXXX ( a ) ( XXXX ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation XXXX XXXX and XXXX and possibly XXXX very soon. I have tried to remedy this situation by responding to EQUIFAX via written letters to remove this inaccurate reporting of late payments on XXXX XXXX XXXX and XXXX XX/XX/XXXX, however they have continued to ignore my requests. It is because of this inaccuracy that is causing my wife and myself to not be able to find a mortgage lender in order to secure safe housing for us. I fear that if these inaccurate late payments arent removed soon, that we will be homeless.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to express my deep frustration and serious concerns regarding the accuracy of my personal information on file with your esteemed institution. While reviewing my credit report, I was appalled to discover discrepancies that have raised significant doubts about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, XXXX XXXX XXXX, and proof of address, all of which I have enclosed within this correspondence for your comprehensive examination. I respectfully urge you to thoroughly investigate this issue and promptly take the necessary steps to rectify any inaccuracies and update my personal information accurately and expeditiously. Your cooperation and assistance in this matter are crucial to maintaining my faith and trust in your institution. 

Your agency is in violation! 
XXXX5 U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( 5 ) XXXX 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 XXXX years. 
XXXX U.S.C. XXXX ( 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 2024-08-06 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: NY

Complaint narrative:
I checked my credit report and saw a account that I dont have or own and its reported late and a balance and I need to have that removed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: 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 explanation
Consumer complaint received 2024-08-06 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC XXXX to further substantiate my claim. 

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the XXXX XXXX reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I XXXX authorization for you to send physical documentation of your actions and an updated credit report. 

Your agency is in violation! 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 non-monetary relief
Consumer complaint received 2024-08-06 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 
I told/informed Experian, XXXX, and XXXX to XXXX and or remove these accounts : FRAUDULENT EXPERIAN, XXXX, XXXX ACCOUNTS XXXX XXXX. XXXX XXXX XXXX {$2000.00} * Account # : XXXX * Date Opened : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX {$190.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$710.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX {$940.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX XXXX. ONLINE INFORMATION SER > {$2200.00} * Account # : XXXX * Date Opened : XXXX, XXXX, XXXX FRAUDULENT HARD INQUIRIES : XXXX. XXXX XXXX NA * Date Opened : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  * Date Opened : XX/XX/XXXX XXXX. XXXX XXXX * Date Opened : XXXX XXXX, XXXX XXXX. XXXX XXXX * Date Opened : XXXX, XXXX, XXXX In addition to, the Credit Agencies XXXX everything was complete, accurate, and all the fraudulent items will be removed and or blocked in the XXXX business days allowed with the XXXX & in accordance to Consumer Law ( FCRA ) XXXX U.S.C XXXX & XXXX U.S.C XXXX ; But the open date, date of last activity and much more is incorrect & fraudulent with these accounts on my Credit Profile. According to XXXX XXXX XXXX ( XXXX ), they are supposed to modify accounts that aren't reporting correctly. 

In conclusion, I would like to use the following Consumer Laws ( FCRA ) to my benefit in regards to my situation of Identity Theft and fraudulent, inaccurate & unauthorized items on my Credit Profile. The selected laws are as follows : XXXX U.S.C. XXXX ( A ) ( XXXX ) [ 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 ], XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, & XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C XXXX, XXXX U.S.C 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 2024-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: American Recovery Service Incorporated
State: NY

Complaint narrative:
I am filing this complaint against XXXX, XXXX a debt collector from XXXX. I had a payment due in XX/XX/2024 in the amount of {$1500.00}. I did not have sufficient fund to cover the amount. I called XXXX XXXX on XX/XX/XXXX to inform him that the payment can be processed that the fund was available. XXXX XXXX informed me since the fund was not available on XX/XX/XXXX the agreement was cancelled. I explained to him that the monthly payment was too high that I would to have a lower payment plan. I explained to him that I already make a payment of {$3500.00} towards the account and he said those payments are void that I will star all over with repayment. I explained to him his conduct was in violation of the fair credit act and he threatened to sue me and have my wages garnish. I asking the agency 's help in this matter as I feel my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX BANK XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION Here XXXX attach, along with the dispute, my fraud report that I just sent to TRANSUNION for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: KY

Complaint narrative:
Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXXXXXX XXXX  XX/XX/XXXX TRANSUNION XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XX/XX/XXXX TRANSUNION Here XXXX attach, along with the dispute, my fraud report that I just sent to TRANSUNION for XXXX second time so that these questions can be removed, hoping that this time this problem will be completely resolved. I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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:
XXXX XXXX and the CRA violated 1681e ( b ) of the federal Fair Credit Reporting Act. The FCRA requires consumer reporting agencies, such as XXXX, to follow reasonable procedures when preparing... credit report. Section 1681e ( b ) also requires the plaintiff to present evidence that the credit report is inaccurate.Capital one has charged this account off for the amounts of {$2600.00}. IRS policy for charges off for XXXX or more company must issue a 1099C this is considered earn income for the consumer and must be reported to the IRS by the Consumer. Im requesting XXXX XXXX stop reporting inaccurate to all 3 CRA and delete from Credit Reports with in 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: MI

Complaint narrative:
XXXX Santander consumer USA XXXX XXXX 2024. XXXXXXXX XXXX XXXX XXXX XXXX2024
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX2024
XXXX XXXX XXXX XXXX2024
XXXX XXXX XXXX XXXX XXXX2024 XXXX  Santander consumer USA XXXX XXXX2024

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-06 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: FL

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