vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have and account thats shows its in collection on my credit report that is already in repayment through a debt relief program that the credit bureau will not remove from my credit report and it is damaging my credit score. I disputed it with another credit agency and it was removed. XXXX removed it but XXXX XXXX will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: FULTON FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Friday XX/XX/XXXX, XXXX bank was officially closed and Fulton Bank took over opening on Monday XX/XX/XXXX. During this change of ownership, printed material was provided with timelines for how things would go. Fulton bank stated that new log on info would be provided via email for my business account, that email never came ( I have checked all my emails and spam folders ) Tried calling on Monday the XXXX, long wait times, I thought I would be patient because its a large undertaking moving all customers. On Tuesday the XXXX, I submitted an online ticket for some help and tried calling, again long wait times. Wednesday XX/XX/XXXX, went to branch, 7 customers deep with only XXXX employees helping customers, too long to wait, I have a store to run. Called, was on the phone waiting XXXX hour and XXXX minutes, gave up, added a comment to my online ticket, still no reply. Thursday XX/XX/XXXX, went to branch at XXXX, already several customers waiting, left again called and today their phone system saiddue to high call volume wait time is XXXX to XXXX hours. Tonight, finally had a reply to my online ticket saying we understand your frustrations regarding accessing your business account through your personal login. However, due to the recent conversion, Fulton bank does not offer business accounts under personal credentials. You may have received separate login email for your business with a temporary password/user name if you didnt please receive this please visit Fulton bank and a registration and sign up for small business online banking. Obviously I know I cant use my business account under my personal banking. However, they did not send me the proper information and they have now closed this ticket saying that its been resolved. 
Fulton Bank is not handling this transition well, I am definitely unsatisfied with them. 
Thank you for this opportunity and I look forward to hearing back from you. 
XXXX XXXX XXXX XXXXXXXX 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 2024-11-07 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: TN

Complaint narrative:
I firmly assert that it is unjust for me to be held responsible for these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
The company asserts that I owe them additional money ; however, whenever I inquire about this, they consistently state that I dont owe anything. Despite their reassurances, the fees continue to appear on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting act Convergent Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have 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.

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 2024-11-07 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: VA

Complaint narrative:
I am writing to address a serious issue regarding my account and a recent violation of credit reporting practices. It has come to my attention that my account with your company Equifax was updated on XX/XX/year> with a different remark code on my credit report for numerous accounts, which is both unauthorized and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). Altering a remark code without my knowledge or consent is not only unacceptable but also damaging to my credit profile. This action demonstrates negligence and disregard for proper reporting protocols, and I am requesting immediate rectification. As a result, I demand that all my accounts that were altered be permanently closed. 1. Immediate closure and deletion of my account from your records. 2. Correction of all inaccurately reported information to the credit bureaus, including the removal of any unauthorized or inaccurate remark codes associated with my account. XXXX. Written confirmation of compliance with these requests, including proof of changes made with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 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: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
I XXXX XXXX, A victim of Identity theft, request removal and deletion of the listed accounts on my XXXX, XXXX and XXXX credit report.Transworld Systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
I mailed a payoff check to Chase bank at the address listed on the billing statement and the package was confirmed delivered by USPS Priority mail on XX/XX/XXXX. After checking my account for several days to see if the payment posted and discovering it had not been ; today I contacted Chase to inquire about the status of my account and was told they do not have the payment and did not know where it was. I explained that it was picked up at the post office on the date listed above at XXXX PM Chase didnt offer any assistance to locate and have the payoff posted. They advise me to cancel the check and to send a new one. Chase didnt offer to pay for the stop payment and continued saying they dont have it. I have little to no confidence in sending a new check and feel Chase should reimburse any interest and stop payment fees associated with my account since XX/XX/XXXX as I do have confirmation of delivery.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Merchants & Medical Adjustment Bureau, Inc. dba Credit Bureau Associates
State: GA

Complaint narrative:
Noticed a derogatory marks from the credit bureau association. Never have done business with them or give any permission for the exchange of my personal information. These marks have had a huge hot on my credit report and feel violated that they had access to my personal information without my knowing. I have received no proof from this collection agency on how I owe them anything never had direct contact with this company ever

Company response to consumer: Untimely response
Consumer complaint received 2024-11-07 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
There are several accounts reporting on my credit report that I did not authorize and it is affecting life in a very negative way.

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 2024-11-07 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: GA

Complaint narrative:
Was informed by credit wise that my information had been compromised in a recent data breach. 
I froze all XXXX of my credit reports and went over them and identified an inquiry ( XXXX XXXX  XX/XX/year> ) I do not recognize nor remember initiating, I then verified that I had no personal credit account open with them. 
I called into Experian and tried to have the inquiry removed but they said I needed several documents ( State ID, Social Security Card, Police Report/Affidavit, Recent Utility Bill/Bank statement ) I am submitting those document through this complete in hopes of a fast resolution.

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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
There are accounts on my credit report involved in pending litigation.

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 2024-11-07 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: CA

Complaint narrative:
There are accounts on my credit report involved in pending litigation.

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 2024-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have had this credit card for a 5 years I was making payments on it every month and now they closed it and idk why. I called and tried to talk to them about it and I cant get any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
My girlfriend recieved a phone call asking to speak with me, XXXX told my girlfriend she was with account solutions management from a phone number XXXX, the same person left a message on my girlfriends fathers voicemail identifying herself from an attorneys office, after verifying whom i was she informed me that her company purchased a debt from XXXX XXXX XXXX approximately XXXX ( the amount i could not hear exactly ) she says that the other numbers ( my girlfiend and her fathers ) she assumes were listed as points of contact on the original application from XXXX. I have never had any type of account with citi XXXX XXXX, she also said I had been paying on this debt for quite some time, to which I have never made any such payment. I asked her what proof she had that the debt belongs to me, to which her response was " Im not doing your work for you. '' After doing a little due dilligence I discovered I could request a debt validation letter, but in looking up the company name or phone number I could not find any information for them. Calling them back, I requested an address for the company to which a man responded I have to validate who you are, so after verifying my date of birth he became quite unprofessional ignoring my request for the address or request for a debt validation letter, I raised my voice so he could hear me over his own voice as he continued to speak over me. He made a comment regarding oh im just noting the file as to your hostility, stating " Oh we got you now you're on a recorded line! '' It was at this point I disconnected the call. I never got an address to send a certified letter to request a debt validation letter. Looking up the company and phone number yielded no results.

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 2024-11-07 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I urgently request the removal of this erroneous late payment from my account. My consistent history of punctual payments contradicts this entry, causing me undue stress and concern. I ask that you promptly rectify this mistake by updating 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 2024-11-08 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: CA

Complaint narrative:
I am writing to dispute the reporting of a late payment on my credit report. I have contacted the bank regarding this late payment, and they have approved updating the accounts to " open/never late. '' The bank has acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report. 

XXXX XXXX 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 2024-11-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: House Of Finance Corp.
State: CA

Complaint narrative:
I HAVE CONTACTED House of Finance Corp and tried to work out a fair settlement they will not give me a the correct amount due they continue to charge interest on a charge off account and they sold the vehicle for a higher amount that they are reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing the inclusion of incorrect personal information on my credit report, as the details listed below do not pertain to me. I request the immediate removal of this inaccurate data. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear CFPB I do not recognize these hard inquiries mentioned below, I have never given any permissible purpose to these companies, I request their immediate elimination since they are fraudulent, I attach my identity theft report, thank you 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 XXXXXX/XX/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 2024-11-08 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I PULLED MY EXPERIAN CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2024-11-08 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: NY

Complaint narrative:
In accordance to the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 this section a credit issuer can not furnish an account without my written directions under 15 USCS 1666b a creditor may not treat a payment on a credit under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: CA

Complaint narrative:
Misrepresentations of information was reported on my consumer report as insurance paid odd my Loan form vehicle because of a natural disaster. Notice this is not a Credit report as 15USC 1681A exclusion the term Consumer Report means any written information barring on a persons credit worthiness which are independent from ones Credit Report, Congress says the term Consumer does not include reports that contain information solely as the transactions or expenses which goes against congress as the false report to my consumer report indicating a report of a late payment may be illegal by Fair Credit Act.

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 2024-11-08 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: FL

Complaint narrative:
I recently complained to your organization in relation to incorrect credit reporting issues with the credit bureaus. Since then, my credit scores were all adjusted and increased. During the last two week of XXXX my credit scores on XXXX, Equifax and XXXX received another increase of about XXXX points. The credit card usage fell below 30 % all payments made on time. Today I looked into my Equifax score, and it decreased significantly to XXXX. It was at XXXX now it is displaying XXXX. No explanation was given why it decreased XXXX points. 
Would like to file a charge of discrimination. 

I would lie to know why Equifax decreased my score to XXXX points

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-08 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: GA

Complaint narrative:
I PULLED MY EQUIFAX CREDIT REPORT AND NOTICE SEVERAL FRAUDULENT ACCOUNTS THAT SHOULD NOT BE REPORTING. I TRIED CALLING THE CREDITORS SEVERAL TIMES AND SEND OUT DISPUTE LETTERS. NO RESPONSE WAS MADE. I NEED ALL ACCOUNTS REMOVE In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with non-monetary relief