vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-04-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Transunion disputing late payment information reported on my credit file by XXXX XXXX XXXX XXXX XXXX. Upon reviewing a copy of my credit report on the XXXX, I saw an entry listing 7 late payments. My XXXX XXXX XXXX Account Number is XXXX. I challenged the accuracy, compliance and reportability of this listing and requested that I be provided with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit report. Per section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Transunion had 30 days to complete this investigation. I received no response to this letter and this account was not marked as " disputed '' on my credit report within a 30 day window. 

On XX/XX/XXXX, I sent a follow-up letter to Transunion regarding this same matter and have received no response to date. 

By not properly investigating this matter within the required timeframe, Transunion violated federal law. I have evidence of such willful misconduct via certified mail receipts and copies of 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 explanation
Consumer complaint received 2021-04-22 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: DC

Complaint narrative:
On XX/XX/XXXX, I sent a letter to Equifax disputing a credit inquiry on my credit report from XXXX XXXX. 30 days after this letter being received by Equifax, this account was not marked as disputed on my credit report. 

On XX/XX/XXXX, I sent a letter to Equifax disputing late payment information reported on my credit file by XXXX XXXX XXXX XXXX XXXX. Upon reviewing a copy of my credit report on the XXXX, I saw an entry listing 7 late payments. My XXXX XXXX XXXX Account Number is XXXX. I challenged the accuracy, compliance and reportability of this listing and requested that I be provided with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit report. Per section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Equifax had 30 days to complete this investigation and to mark this account as disputed on my credit report. Per my certified mail receipt, this letter was received by Equifax on XX/XX/XXXX. This account was not marked as " disputed '' on my credit report within a 30 day window. 

By not properly investigating this matter within the required timeframe, Equifax violated federal law. I have evidence of such willful misconduct via certified mail receipts and copies of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: AL

Complaint narrative:
These accounts have been transferred or sold. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly violation of the law to to report with profit loss write off. I am formally requesting a copy of any documents, bearing my signature, showing that I have a legal binding contractual obligation to pay you, I am requesting you to sent the wet ink contract bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc

Complaint narrative:
Paypal closed my account for the reason that i dont know, i just transfer orsend to another paypal account and they said it was hold for 24hrs but after couple of hours they limit my account and hold my money for 180days which is unfair coz the money i sent is for paying debt to the person i supposed to paying it. paypal dont give a explaination or not giving chance to me for required requirements to re open it..only they give is 180days to wait and that is not ok

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: Westlake Services, LLC
State: CA

Complaint narrative:
I found late payments on my most recent credit report, which I'd like to get removed as soon as possible .According to my research, the federal law 15 USC 1605 ( a ) finance charge is defined as a " sum of all charges '' payable directly or indirectly by the individual to whom credit is extended, and imposed directly or indirectly by the Creditor as an incident to the extension of credit or lease, there is no such thing like late payments should be in my credit report. It is clearly a violation to the law to report any late payments in my credit report that is fraud. Also according to the law Section 4021 ( ii ) ( I ) states that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

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 2021-04-22 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: DISCOVER BANK
State: TN

Complaint narrative:
After viewing my most recent credit report I notice that there is late payments, which I'd like to get removed as soon as possible. According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report. In addition, the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Deposited Insurance check {$7500.00} for medical emergency and cash {$100.00} in Chase Bank account on XXXX. Receipt said funds would be available XX/XX/XXXX. I called customer service on XXXX after depositing at bank to ask about when my check would clear. They tried to call my insurance company while I was on the phone to verify but told me they could not reach them and verify the check with the issuer and to just wait until XX/XX/XXXX for the check to clear in the system. Was also told my entire account was restricted. I waited until XX/XX/XXXX and I saw that the funds were deposited but not available. Called Chase again XX/XX/XXXX to find out what was wrong. Was told my account was scheduled to close XX/XX/XXXX or XX/XX/XXXX because they seem to not have tried again to verify my check during the XXXX clearance period. The representative called my insurance company and was able to verify the check and told me she sent a request to reopen the account which would take 1 business day. 1 business day later I checked the account and it was closed. There was no account on file. I called again XX/XX/XXXX and spoke with a rep about my account closure. The rep said the request to reopen the account was sent but was never reopened by back office. They put in another request to reopen the account and told me to wait 1 business day. I checked the account again 1 business days later, and saw it was back up however saw all the money was withdrawn out of the account, my debit card was no longer usable and the account was still restricted. I called again XX/XX/XXXX to request again for my funds to be located and my account to be opened. I was told the money would be placed back in the account that day or the next and the another request was placed to remove the restriction from my account. Waited Friday and over the weekend and checked again Monday XX/XX/XXXX and saw no change. Called again and was told the same thing ( requests were submitted to remove the restriction from my account but never happened ), also asked where the funds from my check were. The status of the cash deposit was listed as available but the check was still missing. The rep made another request to the back office to lift the restriction off my account and told me to wait 1 business day. The next day XX/XX/XXXX, still the same. I called again and the rep told me the same thing ( request sent, wait 1 business day ). I waited 2 days and checked again XX/XX/XXXX, still no change. At this point I dont know where my money is and have been completely inconvenienced because Chase failed to follow through on their end to call to clear the check ( which they made it seem like that was my fault/task ) and failed to resolve the situation by reopening and locating my funds. This has not been resolved for 20 days now. I need the funds to pay for my XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I demand a full check of the amount listed below or an open end credit plan for the 3 credit cards in the total amount of invoice sent to the address attached or A permanent credit in the total amount of invoice for the violations you have committed, the pain you have caused. I would prefer for the credit card accounts to be listed positive in good standing reporting monthly to all three credit bureaus with in 15 calendar days. Remove any and all liens from the credit accounts, and grant full permanent access to account login or a check written in my name for the total amount {$150000.00}. So it is and so it be. We can settle this between us or I can move further and take this to litigation. I know my rights and my rights have been violated. You have committed fraud under my name. 
Pursuant 15 USC 1605 Pursuant 15 USC 1692d Pursuant 15 USC 1602 Pursuant 15 USC 1640 Pursuant to 15 USC 1692c. ( c ) I am contacting you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: FISERV FINXACT CORE
State: AK

Complaint narrative:
I have an EIP card sent to me its a VISA Debit card Money Network. The card is issued by XXXX, XXXX, Member FDIC pursuant to a license from VISA U.S.A., Inc. I called their customer service number at XXXX and asked them to list my pending transactions and they insisted I give them my social security number to further get into my details so I did give them my social security number and soon after I gave the customer service guy my social security number he hung up on me! And then I called back a second time to let costumer service know what happened a lady answered this time and she insisted I give her my social security number so I hung up not knowing if this is allowed or not. I am worried the customer service man I have my social security number to might fraud me and I was hoping you can rest my mind on this situation.

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 2021-04-22 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA. A bill without a signature does not imply that the debt is valid, and anyone may submit a bill and claim ownership. According to 15 USC 1605 ( 5 ) it states that the insurance protecting the creditor against the obligor 's default or other credit loss, this is clearly a violation of the law to placed it for a collection with profit loss write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My car was repossessed on XX/XX/2020 by Ally Financial. To date, I have no information as to whether my car has been sold, if there is a deficiency, or how much that deficiency may be. If it has not been sold, I do not know the location of my car, or what Ally intends to do with my car. 

Ally committed various violations of the UCC. Ally employed the services of an attorney to approach me regarding resolution. Each time I have presented an attempt at resolution, Ally has declined. 

It has now been 7 months since my car was repossessed, and I have yet to receive an itemized list of charges associated with the repossession. I do not know the location of my car, what would need to be paid in order to retrieve my car, and what their plans are for my car. If it has been sold, I have received no information regarding sale. 

I recently noted that Ally has posted additional charges reflected on XXXX XXXX. However, I have received no notices of this newly accrued debt from Ally. I tried to log into my online Ally account to download my statement, but my online account is no longer accessible. 

I have made calls to try and get more information regarding my car. Each time I call, I am transferred to an executive dept where I have left a voicemail. My calls have not been returned, and at this point, I feel as though I have no way of obtaining information I am entitled to receive, per CA State Consumer Law. 

In addition, my car may have depreciated a great deal in the seven months since my car was illegally repossessed. In addition to devaluation over time, am uncertain as to where my car has been stored. If outdoors, I am not sure what elements it may have been exposed to, and as a result, the possible wear and tear on my vehicles appearance. If it has been exposed to a harsh environment, my car would then obviously decrease in value. This, in turn, would create an unfair disparity in value. I am concerned that the overall state of my car may have lost value due to location, in addition to the seven months my car has been held by Ally Financial. This potential loss in value has been out of my control entirely, yet I am still on the hook for the entire loan, regardless of decrease in value. 

This statement only represents a portion of what has taken place, and only represents a portion of how Ally has mishandled this situation. 

I would appreciate any help or guidance with this situation, as Ally Financial has at this point disengaged from communications. 

Thanks in Advance for your help with 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 explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MoneyLion Inc.
State: KY

Complaint narrative:
I'm a victim of identity theft. Someone tried to open an account in Moneylion under my information and he successfully did. I found via my credit report notification. And when I was checking my mail i found 2 debit cards under my name. I called to the company about it and let them know I haven't know anything about your company why I'm receiving this debit cards. They asked me a number of cards to cancel them i gave them debit cards number on phone and they told me they have cancelled it. After that they gave {$990.00} loan to someone under my name and put this on my credit report it's hurting my credit score in my life i have never applied for any kind of loan. I'm very upset about it after speaking with them 3 times they are still giving loan under my name without my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: CURO Intermediate Holdings
State: TN

Complaint narrative:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. They have violated my consumer rights under the federal law FCRA & FDCPA.

As stated in the HIPAA law section 1681b ( g ) ( 4 ) you are not allowed to disclose any of my medical information this is clearly a violation to my privacy. I would like this be taken out of my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: VA

Complaint narrative:
Hello my na is XXXX XXXX I have a way to go prepaid card for my unemployment benefits and I made a purchase and they blocked my card for no reason at all. I called and was told to send my ID and SSC I explained that my ID was expired and was told to sent my SSC and birth certificate which I sent and they are holding my account hostage. 
This is clearly the way us older XXXX Americans are disenfranchised because we cant keep our ID up to date and the company probably keep my money forever

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22 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: OR

Complaint narrative:
My private Information that I did not authorize to be shared is being reported to a non affiliated third party which is fraud. I never gave authorization for my private information to be shared with Equifax I have already reached out about this on multi occasions and highly upset and given that the wrong information is being reported and is not in line with my XXXX report this is another violation. It needs to be removed asap before I seek legal action. Unless Equifax can prove that the have my authorization to report my private information they need to stop reporting. They are furnishing a deceptive form and I will take them to court. 

Attached is a letter I have already sent to Equifax

Company response to consumer: Closed with explanation