vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
On XX/XX/2024 I submitted a XXXX XXXX XXXX  form to XXXX XXXX for processing a XXXX XXXX  Ally Bank withdrew {$37000.00} from my XXXX XXXX account on XX/XX/2024, with description Direct Transfer to an IRA. The $ XXXX that Ally Bank withdrew has not been transferred into my XXXX XXXX IRA some 46 days after Ally Bank removed $ XXXX from my account. 
I sent numerous secure messages to XXXX XXXX from XX/XX/XXXX XX/XX/XXXX, inquiring on status of the transfer in funds, ( that Ally Bank withdrew from my account on XX/XX/XXXX ) posting to my XXXX account. Received secure message from XXXX XXXX on XX/XX/XXXX informing me that XXXX has not received the transfer in funds from Ally Bank. 
I sent numerous secure messages to Ally Bank XX/XX/XXXX XX/XX/XXXX, inquiring on status of the delivery of the withdrawn, transfer out, funds to the receiving custodian XXXX XXXX. Received secure messages from Ally Bank stating that a paper check was written and mailed to XXXX XXXX however, the mail has been delayed. 
I sent letters on matter XX/XX/XXXX to XXXX XXXX, Ally Bank XXXX and, to XXXX XXXX, XXXX XXXX. Also, follow-up letter sent on XX/XX/2024 to Ally Bank 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 2024-03-26 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$6300.00} XXXX XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
I sent this complaint to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA. 

I have no knowledge regarding the circumstances of this theft, and I possess no information concerning any suspects involved. It's crucial to highlight that I did not receive any funds, merchandise, or services as a consequence of this identity theft. Immediate steps are being taken to address this issue and prevent further damage to my credit record. 

Attached are supporting documents, including a copy of my identity theft report and any pertinent affidavits, to aid in the investigation and resolution of this issue. I respectfully urge you to conduct a thorough examination of these fraudulent accounts and promptly eliminate them from my credit report. 
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 non-monetary relief
Consumer complaint received 2024-03-26 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: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
XX/XX/2020 I was sent confidential mail from Equifax XXXX XXXX. I received a letter stating I were affected by the Equifax XXXX XXXX and all of my information was stolen lost or sold. I have tried over an over multiple times trying to fix this issue. The Equifax company has affected the way of living. I have been denied XXXX consecutive times trying to find a home. Due to the impact pertaining the Equifax XXXX XXXX, my information on my credit file has never reached a score in the lows of XXXX. My credit score has always been XXXX no lower than XXXX. Equifax did nothing after notifying me about the breach. I have not been able to get any of my information correct I have been a victim of fraud an identity theft. Equifax played a major role in this situation. After the breach my credit file still has not been updated none of the items that dont supposed to be there are still in fact there. I have told Equifax over an over again. I cant get anything in my name due to the Equifax XXXX XXXX. XXXX getting denial because of my credit score and report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 non-monetary relief
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I got an email from my bank warning me that my accounts were going to be restricted and closed soon because they suspected fraud activity, therefore they are protecting me and their bank, and I have to call them soon. My phone service wasn't paid for at the moment, therefore, I couldn't call them, so I went and messaged them on the XXXX app explaining all the above mentioned. I asked them why my account was getting restricted, I opted for XXXX or the XXXX XXXX because they don't have live chat support with a real person. They told me I had to call them, and that I could use a calling app, I had never heard of these calling apps before, but I searched for one the following days and later was able to call them. Upon calling, I asked them why my accounts were getting restricted and closed soon, the customer service representative told me my accounts were not just going to be restricted or closed, but they had already been flagged with notes as closed, and that I couldn't and will never be able to work with their bank any more in my life. 

I told her that made no sense, they did not even let me explain myself because I don't do fraud, and have no direct deposit currently, therefore, no one might have deposited a fake check or money. Unless I was hacked which clearly can not be my fault. She told me that the decision was final, I asked if she could tell me which kind of fraud they suspected, and she told me that the exact fraud/ reason was not disclosed to her. So I called other numbers they sent me to see if maybe they knew the reason, and their suspicions were a mistake, I could explain to them and my accounts don't get closed. All the numbers I called had the same response, " The decision is final and can not be changed, and I don't think that if you contact the hire ups anything is going to change. '' So now here I am, my accounts are getting closed, I don't know which fraud they suspected, and neither do all their representatives. Mind you my accounts were overdrawn by monthly fees and I was trying to make payments and they were denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: CA

Complaint narrative:
I sent this complaint to dispute certain information in my file resulting from items that i did not consent to authorize nor benefit from I recently became aware of. Please REMOVE this information no more than 4 days after receiving this letter as required from the law in the FCRA. 

I have no knowledge regarding the circumstances of this theft, and I possess no information concerning any suspects involved. It's crucial to highlight that I did not receive any funds, merchandise, or services as a consequence of this identity theft. Immediate steps are being taken to address this issue and prevent further damage to my credit record. 

Attached are supporting documents, including a copy of my identity theft report and any pertinent affidavits, to aid in the investigation and resolution of this issue. I respectfully urge you to conduct a thorough examination of these fraudulent accounts and promptly eliminate them from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: NV

Complaint narrative:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : 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 non-monetary relief
Consumer complaint received 2024-03-26 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: FL

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
After submitting several disputes regarding 2 student loan accounts with XXXX and a credit card account with XXXX Bank, Equifax failed to notify me of investigation results from disputes that were submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They claimed to have sent the results via US mail ; however instead of sending the results to my current address listed on my credit report, Equifax sent the results to my previous address. Equifax continued to mail correspondence to an address they have listed on my credit report as a previous address, despite having my current address listed correctly. Additionally, despite my attempts to dispute inaccurate information contained on my credit report, Equifax has now placed a " temporary update freeze '' on both of the above mentioned accounts. They claim this action was taken by the creditors themselves, however both creditors state they do not have the ability to place an update freeze on a consumer 's credit file. Lastly, when attempting to access my credit report via the Equifax website, my credit report status now shows as " Blocked for promotional purposes ''. These actions taken by Equifax prohibit me from exercising rights that I am entitled to by law : to dispute inaccurate information on my credit file, to receive the results of such investigation initiated by that dispute with 30 days, and to be provided a copy of my credit report upon my request. I am requesting that Equifax review my concerns as stated above and provide an explanation for each.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE BANK is furnishing sensitive personal non public private information to consumer reporting agencies, and has failed to comply with my federal gramm leach bliley act OPT OUT request. I have given CHASE BANK 30+ days since delivery of my letter to them ( certified mail return receipt and letter attached below ) to comply with my gramm leach bliley act OPT OUT REQUEST. THE LAW STATES that if a consumer, me, requests to opt out of the sharing of their non public personal information which includes my name, account number, transaction history to any non affiliated third party which includes ANY AND ALL CONSUMER REPORTING AGENCIES- then the corporation must adhere to the request within a 'reasonable amount of time '. They received my letter XX/XX/2024, today is XX/XX/2024. ( See proof attached below ). Which is almost 60 DAYS. CHASE BANK is attempting to stall my request and is now ILLEGALLY furnishing my sensitive personal information which is affecting my relationships with banks. I'm submitting a TCR complaint for the mismanagement of my security for securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I haven't given Capital One any access to any of my personal information or any signature, or the date of XX/XX/2022, I would like, for this to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XXXX, I got a text message ( XXXX ) from Bank of America that I got {$3100.00} from XXXX XXXX XXXX XXXX transfer using my phone number. But the money never showed up. Both I and the sender go to the bank of America branch location in XXXX NC ( XXXX XXXX XXXX XXXX, XXXX NC XXXX ) together to try to find where the money is. But even the branch staff could not figure it out. We called customer service, but no success. I need Bank of America to investigate and give me the {$3100.00} XXXX XXXX XXXX me. 
My Bank of America account number is : 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 2024-03-26 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: VA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
At this point you are not allowing me my legal access to the information on my personal credit profile as provided by the FAIR CREDIT REPORTING ACT. I am requesting to you to please release my personal credit report. I have included copies of official documentation confirming my drivers license, date of birth and social security number as required by you to verify my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # XXXX has violated my rights. 

I notified Experian, XXXX and XXXX multiple times to reinvestigate these accounts and demanded removal of the account due to inaccuracies and fraud due to identity theft XXXX XXXX XXXX Account # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect and I did not authorize these companies to furnish my information The Fair Credit Reporting Act 15 USC 1681 section 602 A. States I have the right to privacy 5 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. 

15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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