vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-04 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: AR

Complaint narrative:
I had a car that was impounded during a snow emergency in XXXX DC while I was traveling internationally. It was technically a repossession because the creditor had to pick the car up. The repossession occurred XX/XX/XXXX and i picked up the car XX/XX/XXXX. The car was paid off XX/XX/XXXX. The repossession comments are still being sent to the credit reporting agencies even though this was over 7 years ago now.

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 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Federal Adjustment Bureau, Inc.
State: OH

Complaint narrative:
FEDERAL ADJUSTMENT BUREAU INC Account number XXXX Recent balance {$2900.00} Supporting documents for incorrect information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Finance Direct LLC.
State: GA

Complaint narrative:
I have signed up with XXXX XXXX XXXX and financed using Healthcare Finance Direct. XXXX XXXX XXXX has since gone out of business and I am forced to pay my monthly payments to Healthcare Finance Direct although the services are not being rendered. I am without the new aligners promised to me by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
I believe FCRA 605B necessitates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Certain listed entries exhibit inaccuracies in reporting, including incorrect amounts and dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: PA

Complaint narrative:
FCRA 605B stipulates the removal of any incorrect entries from my credit report. Could you double-check the paperwork? Several listed entries exhibit inaccuracies in reporting, such as incorrect amounts and dates.

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 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly eliminate these inquiries ; I lack any information on them, and the company proceeded without my authorization.

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 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Throughout my history with this account, I've consistently made timely payments, avoiding any instances of overdue payments. I find it perplexing to receive reports of late payment remarks on my accounts. Additionally, according to 15 USC 1666b - Billing Error, corrections should be made for any billing errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 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 a 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XXXX Bank of America withdrew from my checking account {$30000.00} with out my consent to authorization to pay a fraudulent loan that I do not owe or owed. The auto loan in question has been disputed with Bank of America before and I have filed police reports and CFPB complaints. I have currently with BOFA two auto loans and two credit cards and a checking account, but never opened an auto loan in XX/XX/XXXX. Bank of America acted grotesquely by reaching into my account and stealing all of my money. I now have no money to pay my rent, auto loans or XXXX that I have scheduled on XX/XX/XXXX. Bank of America has caused me great harm and has put at risk of being homeless and extreme emotional damage.

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 2024-04-04 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: CT

Complaint narrative:
I am a victim of identity theft. The information below, which appears on my credit report, does not relate to any transactions that I have made. I contacted the Federal Trade Commission and filed a complaint # XXXX which is attached. The accounts and inquiries listed attached in this document are a result of identity theft. please remove!

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 2024-04-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: OR

Complaint narrative:
Valon XXXX  XXXX # XXXX requires a captcha during the login process to access my mortgage account. Often the captcha fails, and after spending 2-3 minutes clicking 4-6 times each on over 10 separate images ( 40-60 clicks total ), I have still not gotten into my online mortgage account to be able to pay the mortgage and receive the monthly bill.

No other financial institution that use requires me to click on images to login to my personal accounts.

Note that I have a two-factor requirement enabled ( text to my phone ), and I support this strong security feature.

But, the captcha has delayed or prevented me from logging in on several occasions -- the images are often ambiguous -- and this is completely unacceptable.

I contacted Valon about this issue, requesting that they remove the captcha from ( at least ) my account. My email XXXX XXXX XXXX XXXX XXXX  Dear XXXX, I am generally happy with the mortgage servicing from Valon XXXX  after my mortgage servicing was transferred to you last summer XXXX. 

However, I have been excessively frustrated with the captcha login requirement to get into my mortgage account. I have financial relationships with a large number of other banks and non-bank financial companies, and at no other company have I had to click on images before being able to login to my account. 

Note that I have no objection to a two-factor requirement ( text to my phone ), and in fact this is a good security feature. 

But, the captcha has prevented me from logging in on several occasions XXXX  the images are often ambiguous XXXX and this is completely unacceptable. 

Please remove the captcha requirement to login to my XXXX mortgage account. I would very much hope that this is not an issue I need to raise with the Consumer Financial Protection Bureau, my XXXX representative, and/or social media to get resolved. 

XXXX XXXX XXXX XXXX  Their completely unacceptable response : " Hello, Thank you for taking the time to reach out to us with your concerns. 

I understand this could cause you concern, however, this is not a feature we are able to turn off as it is controlled by our authentication provider. 

We apologize this has caused you frustration, but we hope this provides more understanding to the feature. 

If you have additional questions or concerns, please visit our Help Center at XXXX or contact us via phone or email at XXXX. Valon XXXX  is here to assist you with all of your mortgage needs. We hope you have a great day! 

Thank you, XXXX Servicing Team Hours of Operation : Monday-Friday XXXX EST Phone : XXXX ( XXXX ) XXXX Email : XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: MN

Complaint narrative:
I Filed My XXXX return i requested that it be direct deposited into My Cash App account however it ended up going through 3 different institutions that i did not know about it got sent to XXXX XXXX XXXX XXXX  says they sent it to the tax product group in XXXX XXXX and they say they sent it too XXXX bank ive never heard of these institutions up until now i have a tracer number and the account number but im not getting any information as how to get my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rozlin Financial Group, Inc.
State: AL

Complaint narrative:
Received a call stating i owed an outstanding balance to a company I had never heard of before. ( owned. Lease. ). I thought it was a scammer trying to get my information. I looked the company up. It was a legitimate debt collection agency. RFG. I called them up and they said I owed money for some tires I purchased using owned.lease. Told them I didn't owe anyone anything for tires because I am not the one who bought them. That evidently, I was a victim of ID fraud. They told me I had to file a report. So I am filing this report because someone is using my identity.

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 2024-04-04 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I feel that XXXX might be behind my wrongful denial of credit cards applications which I lose valuable credit score points upon applying. XXXX is wrongfully calculating the use of credit cards but does not realize that the accounts are closed after the promotional period has ended : " Our evaluation of the inquiries on your credit report based on the number, type and recency. ( XXXX ) Your average utilization of credit card accounts is currently too high ( XXXX ) '' I disagree with the utilization of credit card accounts is too high because I have successfully closed out most accounts that are open or should be closed automatically. I utilized chase credit cards for promotions thus when the promotion is satisfied that I close out the account. XXXX is not factoring in my ability to close out my account with a XXXX balance thus XXXX is wrongfully flagging my account as if I am utilizing too many credit cards. This is untrue and should be recognized that consumers do not have to have long-term credit cards and should be able to close out credit cards upon promotional periods. I should not be obligated to use credit cards if they allow a promotional period thus the entrapment is only per promotional credit cards and not general credit cards. XXXX would confuse credit card utilization as if promotional periods are not part of their understanding of utilizing credit cards where a consumer would likely close out a credit card upon successfully completing a promotional period. XXXX should recognize this fault and correct so I can correctly apply and open a new credit card upon closing any older or Chase credit cards. I am unable to open a new credit card because of this faulty understanding as to be wrongfully punished per the promotional credit cards trying to sting customers incorrectly as a conflict of interest of long-term loyalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 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: GA

Complaint narrative:
ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 1681 section 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 a 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 to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my credit report and identified accounts that I am unfamiliar with. Upon reaching out to request verification, my attempts were ignored, and they failed to provide the necessary verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq, it states that credit reporting agencies have to report accurate information. I have been repeatedly asking the credit bureaus to report 12 student loans as paid in full and as agreed since XX/XX/year> and they still are not reporting my loans as paid off and as agreed. See below Group Total Applied Applied to Principal Applied to Interest Applied to Fees* XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX {$2000.00} {$2000.00} {$0.00} {$0.00} XXXX  {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$3000.00} {$3000.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4000.00} {$4000.00} {$0.00} {$0.00} XXXX {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX {$2200.00} {$2200.00} {$0.00} {$0.00} XXXX  {$3500.00} {$3500.00} {$0.00} {$0.00} XXXX {$4500.00} {$4500.00} {$0.00} {$0.00} Total {$37000.00} {$37000.00} {$0.00} {$0.00}

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 2024-04-04 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: ID

Complaint narrative:
I am writing to express my disappointment and concern regarding an inquiry that recently appeared on my credit report without my prior knowledge or consent. As you are aware, the Fair Credit Reporting Act mandates that no one can access an individual 's credit information without obtaining their consent first.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2024, I mobile deposited a check from the United States treasury for XXXX. On XXXX XXXX I received an email saying that my check deposited has been accepted and I should allow processing for one or two business days. On the same day of XX/XX/2024 I received additional emails saying that the check I deposited on XX/XX/XXXX has been a delay and making the funds available. The email also went along and said we have confidential information indicating the check may not be paid. Your money will not be available on XX/XX/XXXX, XXXX on XX/XX/2024 I called and speak to a representative about my check status. I spoke to someone at the branch in XXXX Virginia and the branch manager at that location said that my account wasnt closing status. I asked why she said because fraudulent. When I call customer service, they asked me questions about the check. I let them know that the check was drawn off of my job. I got a loan from XXXX  XXXX  and they gave me a check drawn off the United States treasury fraud. Blocked all access to my account on XX/XX/2024 XX/XX/2024. I called back and said that I wasnt able to receive access to my account. They said that my account was in closing status. I will no longer have access to my account and I will have to wait until I get a letter in the mail stating the reasons why they close my account and they will not be able to tell me the status of my check that hasnt cleared or if the money is in my account. I got in contact with my retirement people who wrote the check. They said that the check was cashed, but I did not receive funds from that. I no longer have access to the account nor do I have access to the funds in the account if there are any. I havent received any more correspondence from the bank regarding this situation. I did getting in contact with my retirement people who payment on the check Investigating the situation to issue me a new check. I sent an email to Citibank recovery regarding the situation for them to investigate why my account was blocked and closed due to a check that wasnt fraud.

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 2024-04-04 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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