vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-27 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: American First Finance, Inc.
State: FL

Complaint narrative:
I sent a letter VIA MAIL disputing serval inquires, several wrong person information and a closed account on my credit that is WRONG and improper use of my credit report. 

This credit bureau company XXXX tried to claim it was a credit repair clinic or third party simply because I know my rights as a citizen and denied to fix the issue stated by the representative I was on the phone with that was very disrespectful on XX/XX/2024 starting at XXXX. 

Ive attached proof of my letters and the email I received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The information has never been verified to be accurate, complete, timely, or validated. You must provide documented proof of compliance reporting standards and applicable consumer laws. The information is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately.

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 2024-02-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR, XXXX SSN : XXXX XX/XX/1976 Ally Financial XXXX XXXX XXXX XXXX XXXX MN XXXX Subject : Debt Validation Request for Original Creditor Account # : XXXX Dear Ally Financial, I am writing to formally dispute the validity of the debt you are attempting to collect, referenced by account number XXXX, which you claim originated with Ally Financial. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request validation of the debt you claim I owe. Please provide the following information specific to the original creditor : 1. Receipt of sale from auction of vehicle or receipt of sale 3rd party. 
2. A detailed account statement from the original debt, outlining the initial debt amount, any charges or fees, and a comprehensive transaction history. 
3. Any documents or agreements establishing my obligation to Ally Financial. 

I require proper documentation to verify the legitimacy of this debt. Please provide this information within 30 days of receiving this letter. Until you can provide the requested documentation, I consider this matter unresolved, and I request that you cease any attempts to collect on this alleged debt. 

Furthermore, I dispute your reporting of this debt to any credit reporting agencies. If you have already reported it, I request that you promptly remove it from my credit reports. 

I expect your prompt attention to this matter and a response within the specified timeframe. Failure to provide the requested validation may result in legal action. 

Sincerely, 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 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Reinvestigate inaccurate information

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 2024-02-27 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: CO

Complaint narrative:
As a federally protected consumer under the FCRA, I hereby exercise my right to opt out of any and all authorizations, whether provided in written, unwritten, verbal, or non-verbal form. I may have given written, unwritten, verbal, or non-verbal consent at some point and am now revoking consent. The commencement date of the account is XXXX. This action is taken in accordance with the following statutes : - 15 U.S. Code 6805 - Enforcement - 15 U.S. Code 6801 - Protection of nonpublic personal information - 15 U.S. Code 1666e - Notification of credit issuer by seller of return of goods, etc., by obligor ; credit for account of obligor - 15 U.S.C. 1666B - Timing of Payments - 15 U.S.C. 1681A - Accuracy and Fairness of Credit Reporting - 15 U.S.C. 1681B - Reasonable Procedures- 15 U.S.C. 1681C-2- Block of Information resulting from Identity Theft - 15 U.S.C. 1681E - Compliance Procedures- 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information - 15 U.S. Code 6803 - Disclosure of institution privacy policy - 15 U.S. Code 6801 - Disclosure of institution privacy policy Privacy Policy Act of 1974. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: NC

Complaint narrative:
These transactions were not made by me. I did not give written consent for those companies to furnish this information on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been trying to use JPMorgan Chase 's website to open a CD account with funds available from my Chase checking account. For the last three days I have been receiving a message stating " It looks like this isn't working right now ''. I called customer service who put me on hold for 45 minutes to transfer me to another representative, who then said I'd have to be transferred again. I ended the call knowing it was going nowhere. 

They are wasting my time, which has value, and preventing me from accessing a product to earn money off my deposited balance. 

Further, the last time I had a CD account with them ( which I was able to open through their website without the issues described above ), upon maturity, the balance rolled into a new CD paying a lower rate. A CD at a different rate is a different product, and an auto-renewal into a different product should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations.

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 2024-02-27 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: OH

Complaint narrative:
I wish to address the violation of my consumer rights through the dissemination of inaccurate information. Fair treatment by those in control is my right, and I request detailed information on their failure to uphold accuracy and compliance. Negative information, regardless of certification, is intolerable. I prioritize factual and truthful details concerning your company and the data related to my credit profile. The discrepancy in the credit report I received is surprising, as adherence to FCRA and relevant Metro 2 data field formatting standards is expected. 
I challenge you to provide a verified, complete, and true document containing evidence for each claim. Failure to adhere to these standards, as outlined in the XXXX  XXXX, jeopardizes data integrity, a critical matter. I urge you to remove any false accounts promptly to prevent future financial implications. My credit report is of utmost importance, and I insist on factual accuracy, verification, and compliance with regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: NY

Complaint narrative:
According to XXXX XXXX Transunion 1997, XXXX, Transunion and XXXX is supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 42 USC 408, 15 USC 1666b Delete 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 2024-02-27 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: NJ

Complaint narrative:
I am writing this complaint to Experian regarding the inaccurate information that's reporting to my consumer report. The creditors reporting the accounts and information its a violation of my right to privacy in which I never gave them consent to purchase nor share my personal information with anyone. I am asking Experian to investigate and remove any account that doesn't belong to me. 


Violations committed by Experian and the Creditors : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2024-02-27 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: MI

Complaint narrative:
These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these accounts to be taken out in my name nor they relate to anything I did. I'm unaware of any of this. All is being investigated by the FTC. 

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 2024-02-27 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: IN

Complaint narrative:
According to FCRA 605B, we're supposed to get rid of incorrect accounts from reports. Can you check the documents? The accounts listed on my report are wrong, and it's making me feel restless.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: PENNYMAC LOAN SERVICES, LLC.
State: SC

Complaint narrative:
Send in mortgage payment U.S. mail Certificate of mailing receipt every month. This instance XXXX Late is received after the XXXX of each month. There is virtually no possible way using their routed envelope that it took in excess of twelve days, two business weeks to receive this. This is clearly an attempt to generate 'revenue ' on a loan they've not making much from. Therefore constituting fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to urgently file a formal complaint and request for investigation concerning the mishandling and non-return of my {$670.00} funds by Capital One. The transfer in question was initiated through XXXX from my Capital One banking account to my closed XXXX XXXX  account in XXXX of this year. It is essential to highlight that both the originating and receiving accounts have been under my ownership, and this method of transfer has been a trusted and longstanding practice for several years. 

Despite the rejection of the transaction due to the closure of my XXXX account, the funds were returned to Capital One by XXXX. However, Capital One has failed to credit my bank account or provide any updates regarding the status of the funds. Despite my persistent efforts, including the submission of three formal claims over the course of several months, Capital One has not conducted a thorough investigation or offered a satisfactory resolution. 

I have provided documented evidence from XXXX XXXX  confirming the return of the funds to Capital One back in XXXX. Despite presenting this evidence, Capital One has shown a lack of cooperation and has not taken appropriate action to address the issue. This lack of responsiveness has caused me significant financial distress and uncertainty. 

I urgently request the Consumer Financial Protection Bureau 's intervention to conduct a comprehensive investigation and facilitate the swift return of my funds. It is imperative that Capital One be held accountable for withholding my money without valid justification or explanation. Given the long-established practice of using XXXX for transfers between my Capital One and XXXX accounts , I seek your support in resolving this matter promptly. 

Your immediate attention and assistance in rectifying this urgent issue are greatly appreciated. Thank you for your swift action and advocacy in ensuring the return of the {$670.00} that rightfully belongs to me. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 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: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Around XX/XX/2023, our company XXXX XXXX XXXX cancelled services with our payment processor XXXX. However, they continued to charge our checking account for months. We contacted Chase and initiated an ach dispute, but without explanation Chase closed our disputes saying that we authorized the transaction. We sent them statements showing the account was not being used as well as docusign documents and communications with the payment processor XXXX  requesting cancellation and a return of our fees, which XXXX  agreed to in writing. Then they later said they would not return the fees. We reopened the claim with Chase and again it was closed with no explanation. The rep said it was because we originally had a contract with XXXX. They didn't care that we had cancelled. There's even a box to check on the ach dispute that mentions revoked authorization which we checked. Chase didn't care. After some research, I discovered that Chase is a " core payment provider '' for XXXX. I believe this represents a conflict of interest and a breach of their fiduciary duty to us as their customers. At no time, was this mentioned in our dealings with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
it was an account opened at this address i do not know this debt it was opened in XXXX. XXXX IN THE AMOUNT OF {$250.00} I have got several police reports reporting that someone is using my name, or someone has the same name as me, but they are attached to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-27 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 file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. 

I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. 

Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. 

I have made multiple attempts dating back to XXXX of XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. 

However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.

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 2024-02-27 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 am writing to file a formal complaint with the Consumer Financial Protection Bureau regarding inaccurate accounts that have not been removed from my credit report, despite the absence of proper verification procedures being provided for these " verified '' accounts. 

I recently obtained a copy of my credit report and discovered several accounts that are inaccurately listed. Despite disputing these accounts and requesting verification of their accuracy, they have not been removed from my credit report. 

Also, the method of verification for these accounts was not provided to me as required by the Fair Credit Reporting Act ( FCRA ). I have not received any documentation or evidence supporting the accuracy of these accounts, yet they remain on my credit report, negatively impacting my creditworthiness. 

I have made multiple attempts dating back to XXXX of XXXX  by contacting both the credit reporting agencies and the creditors associated with these accounts. i also sent all letters via certified mail USPS so i KNOW they received my letters.. 

However, my efforts have been met with inadequate responses and delays, resulting in continued harm to my credit score and financial well-being.

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 2024-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Late last year, I decided to take action to reduce my credit card debt and shopped for a good balance transfer card option on XXXXXXXX XXXX website. I was matched with a Citi Diamond Preferred card ( https : //www.citi.comXXXX XXXX XXXX XXXX XXXX XXXX ). 

I applied and was accepted. Upon receipt of the card, I called to ask about the balance transfer and was told I had to wait 30 days and to call back. I started a new job and it was the holidays I just now got back to calling them back to get that process underway. 

I am now told the offer is no longer available and expired. I can no longer do a balance transfer on my new credit card because had I clicked on the superscript 1 on the link and scrolled down the pages to the fine print it would have told me that. Of course, when I initially called to do this, I was not told I had to call back within a specific timeframe. 

Their answer was to apply for ANOTHER new credit card. I don't want another credit card. I only got this card to try to manage my credit better and applying for yet another card is a step in the wrong direction.

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