vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Problem after you declared or threatened to declare bankruptcy
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I let this firm know that I was filing for XXXX XXXX then upon completing the Bankruptcy review with Attorney XXXX XXXX, I made one more attempt to work with creditors following my injury, especially given this is my first hardship after 22 years of perfect payment history.

Ally rep assured me to make 2 payments then I could start a modification. Upon calling them back they explained they essentially lied and would not honor that and began harassing me to make additional payment. Clearly this was fully dishonest, manipulative and fraudulent. I then filed a complaint with the CFPB of which I received notice that the merchant responded. 

Unfortunately, then I just received another full demand and repossession notice. I fully expect the modification to be honored. 

I sent them the complaint on XX/XX/2023. They did not respond at all. I then followed up XXXX complaining of this total lack of response and the hardship not using my car is putting on me while they continue to collect, lie and not respond. They responded the same day with the following : We have received your feedback about the account. Due to the nature of this request, we need to speak with you by phone. We will call you at ( XXXX ) XXXX within 48 hours.

There has been no outreach to me to begin the hardship modification. I can't believe this company allows this to remain unresolved and now I fear I'm going to be forced into bankruptcy by this one creditor when all of the others work with you so well. 

Note : Contact me at my new phone number of XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: PENTAGON FEDERAL CREDIT UNION
State: MS

Complaint narrative:
There are multiple accounts on my credit file that were disputed and should be blocked from my credit file. I have followed up with the creditors and they have complied with my dispute, but XXXX, XXXX and XXXX has not removed these accounts, hence this complaint. Please forward this complaint to each Bureau along with a demand for them to honor my demand to block information from my file.

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 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
On XX/XX/XXXX, I wrote the Internal Revenue Service ( IRS ) a check for {$2500.00} to clear up a debt owed. 
I received a notice from the IRS dated XX/XX/XXXX, that I still have an outstanding debt. 

I asked the IRS Representative was the {$2500.00} check received. The Representative gave me a list of checks that had been received by the agency, however check # XXXX for XXXX was never received. 

I went to my bank, ( TD Bank ) on XX/XX/XXXX and filed an affidavit of forgery and received a copy of the alter check and unauthorized withdrawal of {$2500.00}. 

Check # XXXX was altered and made payable to XXXX XXXX. This person made a mobile deposit to her account at XXXX XXXX. 

My bank denied my claim because this transaction was over XXXX old. However, my bank extended my claim to 1 year. 

On XX/XX/XXXX, I filed a police report with XXXX XXXX Police Department with XXXX. XXXX XXXX # XXXX. He assigned me a case # XXXX. For questions please contact XXXX. XXXX XXXX on ( XXXX ) XXXX or on his XXXX I am requesting that TD bank investigate this matter thoroughly, and I would like the end results to be an reimbursement of the funds that was stolen form me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from 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 2023-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have contacted XXXX 27 times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a Virginia address and I live in North nCarolina.

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 2023-08-07 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: NC

Complaint narrative:
I have contacted XXXX 27 times since 2015 and they are refusing to correct my name. I have provided a clear copy of my driver 's license, passport, mail, and birth certificate and they are refusing to correct my name. They are also reporting an incorrect address. I have already provided them proof of my current address and they are reporting my current address as a Virginia address and I live in North nCarolina.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I made a payment of {$40.00} on XXXX received a confirmation. The cc company said it was returned on XXXX for an invalid account number, even though they verified it and gave me a confirmation. When I got notice on XXXX and called they said I could only pay {$80.00} now to avoid having additional fees applied. Having to pay {$80.00} is already additional fees. Then they told me I did not make my XXXX payment, which I did and have proof of that payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
My private school loan was transferred from XXXX XXXX to Navient XX/XX/XXXX. 

Since that time I have been making payment buts since it is a variable interest rate my interest rate has ballooned. 

Attached is a printout of my payment history. 

The last phone conversation I had with XXXX XXXX at Navient on XX/XX/XXXX inquiring why my payments are increasing even when the Feds don't raise interest rates, I was informed that every 3 months my payment history is reviewed and they automatically raise my interest rate without informing me. Currently my interest rate is at 17.625. 

At this rate, I will never pay back this loan amount. This is very suspicious practices by Navient and feel that I am being taken care of. My loan rate has gone up to almost 250 %. 

I understand Navient has been sued before and want to be included in a class action suit. 

Thank you. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2023-08-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I am addressing a concern regarding the reporting of a charge off on my credit report. Your company has labeled a debt as a charge off, which signifies that it has been discharged and you have taken a tax write-off for it. However, I have noticed that this charge off is inaccurately reported as owed on my consumer report. This discrepancy exists despite the fact that your company classified it as uncollectible debt and wrote it off.

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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: NY

Complaint narrative:
Date - XXXX / Amount - {$720.00} / Violations of 15 U.S. Code 1681 ( a ) ( 1 ) accuracy & fairness / 15 U.S. Code 1681 ( b ) Permissible purpose / 15 U.S. Code C-2 / 15 U.S.Code 1681 for assertions/ Legal documents, Letters of Cease and DEsist / XXXX XXXX XXXX XXXX XXXX XXXX XXXX were sent and issued to XXXX XXXX, never received proper legal Notice of debt within XXXX  days / Never was sent the name and address of Original creditor / Never sent statement informing me they were assuming the alleged debt to be mine / illegal third party debt company without my permission as an authorized to report alleged fraudulent negative debt to all XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: MA

Complaint narrative:
I was banking with Chime As of today, XX/XX/2023, my account was closed for reasons unknown to my discretion. I am no longer allowed to log into anything via Chime. 

According to the company my account was closed for the following reason : Account does not comply with internal policies and/or the member agreement.

Further into reading this email I was extremely shocked to learn that it also states : At this time, you are not eligible for a refund of any remaining account balance ( s ) This is my only form of bank and all of the money I make goes to this account I had with Chime.

I had {$500.00} in my savings account and Chime is only saying I had {$100.00} available. 
l need this money, as I am entitled to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07 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: CAVALRY INVESTMENTS, LLC
State: NV

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
Last year I got a letter detailing that I owed {$120.00} to XXXX XXXX Ive never signed or opened an account with XXXX XXXX I called XXXX XXXX  directly and provided the account # on the debt collection XXXX and they said it did not exist. I assumed it was a scam letter. Now its on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : 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 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section 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 seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2023-08-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have no knowledge of the following items listed on my report. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  Please delete these items immediately. These accounts shouldn't be furnished on my consumer report as they are in violation. Under 15 U.S Code 1681b - permissible purposes of consumer reports ( A ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately as I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: NC

Complaint narrative:
Equifax To Whom It May Concern : This letter serves as a final warning regarding violations of federal law and Equifaxs arbitration agreement concerning my credit file, especially in light of the recent massive data breach. 

Despite repeated disputes with valid evidence, Equifax continues reporting inaccurate, unverified information including : - Erroneous late payments on XXXX XXXX XXXX XXXX - Inaccurate charge-off on XXXX Account XXXX - Reporting verified income as a negative XXXX Account XXXX - Omitting full 72 month history of two paid off XXXX XXXX XXXX XXXX & XXXX - Unauthorized, Unverified collections account XXXX - Multiple unauthorized hard inquiries without my consent In addition to these violations, the recent Equifax data breach resulting in theft of consumer information underscores the companys inability to protect sensitive data. As one of those consumers I demand this be rectified asap. 

These violations break numerous Equifax arbitration agreement clauses and constitute negligent security practices under the FCRA. 



Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this 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 non-monetary relief
Consumer complaint received 2023-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
Debt showed up on my credit without following fdcpa There was no letter to give me the option to dispute. 
Letters were sent to requesting debt validation in XXXX, XXXX, XX/XX/2023 and no response. 
Address for this company is saying undeliverable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 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: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
After contacting a merchant that charged me several times without providing a service, I initiated a chargeback with Chase on XX/XX/XXXX. I won this on XX/XX/XXXX. However, the merchant simply charged my card again for the full amount of the dispute even though I had won the dispute. 

I called Chase and the answer was unsatisfactory. They opened another dispute that the merchant will have an opportunity to appeal again. There was no mechanism for automatically resolving this in the favor of the consumer. There also wa n't any mechanism for requiring a higher burden of proof from the merchant in the case of this repeat-chargeback. They also said they could not block the merchant from charging me a third time. Rather they would ask the merchant to stop charging but there is no guarantee they would comply. 

In short, there appears to be nothing stopping the merchant from repeating this behavior into perpetuity. And every time I dispute it, they will have another chance to win the dispute. One day they might win.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XX/XX/2023, Experian decided to call XXXX as part of their bill fixer service. They instead of acting as an authorized representative, decided to try and pose as me. Therefore attempting to steal my identity. I call Experian about this and request a supervisor and am repeatedly not transfered to where I requested an am instead argued with. I demand the name of the person trying to steal my identity so I can file a police report as well as every customer service agent that lied to me reprimanded for that.

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