vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I requested the company of fifth third to validate that this account had been paid late on XX/XX/2023. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: OH

Complaint narrative:
I requested the company of XXXX XXXX  to validate that this account had been paid late on XX/XX/2023. Account number ending in XXXX. I also requested written proof from myself that this company had the right to report late payments to my credit.

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 2024-03-21 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I went to check my credit profile and found some inquiries that are not mine.

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 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
Continually get credit denials saying delinquent accounts when no accounts are delinquent and fraudulent accounts reporting as my account on credit bureaus when company was to remove information completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my extreme frustration and dissatisfaction regarding the lack of response to the disputes I submitted to XXXX, Equifax, and XXXX. Despite clearly outlining the inaccuracies on my credit report and citing the violations of the Fair Credit Reporting Act, it has now been over 30 days since I submitted my disputes, and I have not received any acknowledgment or resolution. 

It is imperative that these issues are addressed promptly and accurately, as they have significant implications for my financial well-being. The failure to respond within the legally mandated timeframe is unacceptable and constitutes a blatant disregard for consumer rights. 

I demand immediate action to rectify these errors and provide me with a comprehensive resolution. Attached are copies of all correspondence sent to support my claims. 

Failure to address these concerns promptly will leave me with no choice but to pursue further action to ensure my rights are upheld under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: M&T BANK CORPORATION
State: AZ

Complaint narrative:
Guess there was a mix-up at my bank. I always pay in advance, until XX/XX/XXXX. I have been past due for the last XXXX  months, but only XXXX to XXXX  days ( thinking I was paying in advance ). I was never notified by the bank, text, email, phone call, or letter... nothing for XXXX  months that my account was past due. I got an alert from my bank stating a new past due account was posted to my credit... What??? I still have not received any notice from M & T about being past due. I called, explained the mix-up, and they refuse to remove the late payment from my credit. Mind you, this account has never been past due or even close. I should have been notified in XX/XX/year>, but there was nothing from M & T. I should have been notified they were going to report me before they did!

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 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
To Consumer Financial Protection Bureau ( CFPB ), I am writing to seek assistance regarding an issue with Chase Bank. In XX/XX/2023, Chase closed my account without any prior warning or explanation. The funds in this account were significant to me, comprising my tuition and living expenses, transferred by my parents from an overseas bank. 

After the account closure, I visited a Chase branch to inquire and was informed that the bank would return my funds via check. However, after waiting for a month and following up multiple times, I received conflicting information about the investigation and the status of the check. Nearly five months have passed, and I have not received my funds. 

As a student without an income, these funds are crucial for my tuition and living expenses. The lack of access to my money has placed a significant burden on me. 

I respectfully request the CFPB 's intervention in resolving this matter with Chase Bank. I need the funds returned and an explanation for the account closure. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. 
The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX located at XXXX XXXXXXXX at XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. I tried dispensing XXXX $ out of the XXXX ATM inside my store, I had closed the doors and turned away for 20 seconds to talk to my cashier, in the time I turned away the money had dispensed, me assuming I would be okay since the doors were closed and it was only me and him in the store. Little did I know that the ATM would retract that money back into the ATM as soon as I tried to reach for it, it then proceeded to debit my account the XXXX $ and so I obviously printed out the receipt it gave me, even my cashier was in shock that it did that. I was going to pry open the ATM but did not want to be responsible for any damages. I filed a dispute with Chime because unlike XXXX XXXX XXXXXXXX and XXXX which I both bank with, did the same thing, took my money, debited my account but the only difference was that they gave me my money back the very next day as with Chime, its been over 1 week and theyre still investigating when all they have to do is reach out to the ATM company, see there is a surplus amount of XXXX $ for that day, it should not be that hard especially since that ATM was not used for at least another 8 hours because we dont open until XXXX even the XXXX cash pick-up man was confused as to why my account hadnt been credited back for the faulty error. I have my stores camera footage and would be more than glad to send the entire 2 minute footage of the incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I called in last week to unfreeze my report to Experian. I am applying for a mortgage and need the report unfrozen. Experian obliged then offered me 24/7 credit monitoring and I said no. No need I am retired and rarely apply for credit. Plus, I freeze all three reports anyway after I apply for credit. The rep seemed like she needed to make a sale to make a quota. My opinion naturally. I said no again. The call ended and XXXX days later I was charged around {$24.00} on a credit card that I did not even give the rep. Amazing. I protested and they said they would cancel the membership that I signed up for. Even though I told the customer rep that I did not sign up for it. 

My bank is looking ( credit card bank that is ) into the charge and has provided a provisional credit back to me. I wanted the CFPB to know as others may be prone to this scam.

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 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX XXXX, and I want to clarify that this complaint is not made mistakenly, nor is it being filed on behalf of another party. I affirm under penalty of perjury that I am asserting that an individual or entity, without my consent, utilized my social security number and personal information to apply for various goods, services, or financial transactions. Unfortunately, they were successful in establishing certain accounts using my identity. I have no prior knowledge of these actions, and the matter is currently under investigation by the Federal Trade Commission ( FTC ). According to Under 15 U.S. Code 1681b, which outlines the permissible purposes of consumer reports, I never provided written authorization for any information to be included in my consumer reports. Lack of consent constitutes fraud in this context.CAPITAL ONE XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities. 

I'm hoping to seek assistance from the Consumer Financial Protection Bureau ( CFPB ) in investigating these discrepancies and resolving them appropriately. With the CFPB 's expertise and involvement, I believe we can work together to restore the accuracy of my credit report. I would greatly appreciate your support in 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 2024-03-21 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX. XXXX XXXX- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Amex/Citibank- reported late payments on XX/XX/XXXX 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE. 

12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

They are in violation of my privacy rights per the Privacy Act of 1974.

It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.

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 2024-03-21 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: VW Credit
State: CA

Complaint narrative:
VW. Credit/Audi Financial- reported late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX reported late payments on XX/XX/XXXX 15 U.S.C 1666 ( b ) - A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for ANY PURPOSE.

12 CFR. 1026.13 ( d ) ( 2 ) - Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.

They are in violation of my privacy rights per the Privacy Act of 1974.

It is illegal to report transaction history therefore reporting inquiries and any transaction history with a financial institution is illegal. All inquiries being reported are to be DELETED from this report as it is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: EQUIFAX, INC.
State: KS

Complaint narrative:
I was looking at my credit report and noticed that there were hard inquiries that are not mine on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: HireRight Solutions, Inc.
State: TX

Complaint narrative:
A company called " XXXX '' has negligently and recklessely reported inaccurate information concerning my criminal background. They reported XXXX arrests that are both the subject of orders of non-disclosure. Another arrest in XXXX was also reported that has absoloutely nothing to do with me, but is instead the result of identity theft. 

I have already filed a Identity theft affidavit in connection with this arrest with the FTC. 

The potential employer was : XXXX... I was hired on the XXXX of XXXX. 
upon receiving the background findings, I was terminated and sent an adverse notice in my email inbox along with notice of termination. No '' Pre-adverse '' letter was ever issued to me. I was terminated on the XXXX of XXXX. 

Due to the reckless and careless behavior of XXXX, I suffered collateral damage that I feel I am entitled to recover from litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
A XXXX XXXX  XXXX account was opened in my name without my consent. Then a chase card was opened using my social security number but under a different name. Both account documents were sent to my home address, which was the only reason I found out they were opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX  and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX Account Number : XXXX - XXXX XXXX Account Number : XXXX - XXXX  Account Number : 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 2024-03-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
Exeter Finance repossessed the XXXX XXXX XXXX XXXX on XX/XX/XXXX around XXXX at night. They did not knock on my door to retrieve the keys. They did not allow for me to grab what little materials I had in the vehicle. The next day I get a call from Exeter Fiance saying that I owe on the vehicle. I said I'm sorry but I do not have the money to pay for it and either way it's already been picked up. The lady goes on the script of you signed a contract and are responsible for the remaining balance. I said again sorry but I will not be paying any more money to you guys. The car HAS TWO OPEN RECALLS ONE LEFT LOOSE AXLE. XXXX XXXX XXXXXXXX where the vehicle was purchased has failed to contact me regarding parts available to fix the vehicle. Exeter Finance keeps calling me saying I owe them money. I won't pay for something defected and plus I don't have a steady income. I always said I did XXXX. The sales " gentlemen '' pulled their strings lying to the finance company saying I still worked at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e.g. Please send me a certified copy of your license to collect in the DISTRICT OF COLUMBIA. If you purchased this as a debt collections device to make money as a debt collector, thank for paying off the bill. You have 10 days to respond with a statement of account with a XXXX balance and remove any and all unlawful on my credit report. Failure to respond in 10 business days is acceptance and your failure to cure your dishonor you will receive my NOTICE AND DEMAND for XXXX in damages for violations to include : Fraud, Extortion, Denial of Right to Happiness, Dishonor in Commerce, Collusion, Racketeering, Conspiracy, Intimidation, Defamation, TILA violations, FDCPA violation. 



In accordance with the UCC laws, all Commercial Transactions must be recorded with the Secretary Of State.

Also According to the UCC 11 search, I the Consumer do not have any Liens/Debt in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have been attempting to assume my mortgage for a year following a divorce. I nearly completed the assumption process with my lender when my mortgage was sold to PNC. I started the assumption process with PNC the first week of XXXX, 2023. I did not receive a packet of information until the end of XXXX, and I have not submitted an official application for the loan yet. 

I was recently laid off, so I contacted PNC to understand my options. The representative told me that it would not get approved, and she recommended canceling the application for assumption to restart once I secure another job. She told me that the process would start back at square one, and I would have to pay the {$150.00} fee for application a second time. 

I asked if is was possible for me to get approved now, and she directly told me no, which I understand is something only the underwriters can determine. She also told me that because I reached out to PNC to inform them of my layoff, I essentially tied their hands. She mentioned that i just should have kept going with the process without informing PNC of the layoff- which I understand is considered mortgage fraud. I am concerned that the representative was alluding to this option in our conversation. 

The representative told me multiple times that she was new to the assumptions department, and when I asked to speak with someone else she said anyone would tell me the same thing. She attempted to get someone else on the line, but returned after 30 seconds saying everyone was busy. She told me she could " put an incomplete on it '' but that I would have to remind her to do it every 15 days. 

I can provide more information on my specific circumstances ; however, the timeline of this process is not acceptable, and the lack of support and consistent/ legal information from the representative at PNC is concerning.

Company response to consumer: Closed with explanation