vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
Dear Sir/Madam, I am writing to address a matter of urgent concern regarding the repossession and subsequent sale of my vehicle, XXXX, by Chase Bank XXXX As of Tuesday XXXX at XXXX, my vehicle was unlawfully repossessed without proper legal authority. 

It has come to my attention that Chase Bank, acting as a SERVICER as concluded in the Transaction Details provided in the Documents below, Chase Bank may have exceeded its authority in initiating repossession proceedings, as the legal rights to the contract, including any rights related to repossession, are held by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX as outlined in the Documents below. 

Furthermore, the sale of my vehicle following repossession constitutes a clear violation of my rights as a consumer and a breach of contract. Chase Bank 's actions in this matter are not only unauthorized but also unlawful, and I demand immediate restitution for the damages incurred as a result of these actions.

I hereby demand that Chase Bank cease all further attempts to collect on the alleged debt associated with my vehicle and provide restitution for the improper repossession and sale of my property. Failure to respond to this demand within a reasonable time frame will leave me with no choice but to pursue legal action to assert my rights as a bona fide purchaser and seek appropriate remedies for the damages incurred. 

Despite the repo action, upon thorough examination of the official records of XXXX XXXX, Arizona, there is and was no recorded assignment available for review. This absence of documented proof casts significant doubt on the validity of Chase 's claim to my interest in the receivables. It is deeply troubling that Chase asserts ownership rights over my vehicle without providing adequate evidence to support their claim. This repossession has caused me considerable distress and inconvenience. I urgently request a comprehensive investigation into this matter and a swift resolution to rectify any potential breaches of contract or violations of consumer protection laws. 

Please be advised that I am fully prepared to take all necessary legal steps to protect my rights and interests in this matter. I trust that Chase Bank will act swiftly and responsibly to address this issue and provide a satisfactory resolution. 

Thank you for your prompt attention to this matter. I look forward to your timely response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: American Credit Acceptance, LLC
State: IA

Complaint narrative:
I had a loan with American Credit Acceptance. It was at an astronomical rate. I got behind and charge after charge was applied. The car was totaled and payed off they ate still charging me and impacting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX  : # XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act. 

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.

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: NY

Complaint narrative:
Under the Fair Credit Reporting Act, the accounts listed below has infringed upon my federally protected consumer rights to privacy and confidentiality as outlined in 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX  XXXX XXXX XXXX  XXXX, has violated my rights. 

Failure to provide original contract with the original creditor, Inaccuracies being reporting and a list of other violations that are against the law of the Federal Reporting Credit Act.

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.

15 U.S. Code 1681 ( a ) ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

These inaccuracies are hindering my ability to secure new credit cards and acquire a home for my family. The presence of these inaccuracies on my credit report is contributing to ongoing financial strain.

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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-07 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: LA

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 XXXX XXXX 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 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XX/XX/year> {$9100.00} Bank of America have decided to close my account with no reason and is holding my funds. I have not yet to receive my funds. I have been to multiple branches and have called them into customer service where theyre attitudes are not friendly, and they are not helping.

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 2024-03-07 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: MS

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify 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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The distress caused by this situation is palpable, impacting my quality of sleep and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history. I implore you to promptly rectify 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 non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I urge you to address this discrepancy on my credit report promptly. I assert that this account is not mine and suspect it to be fraudulent.

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 2024-03-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern, Summary, please refer to attachment for complete information. 

On XXXX XXXX, XXXX, we received a final settlement check from XXXX XXXX XXXX, the fifth and final check received in the course of our claim resulting from damage to our property from XXXX XXXX, XXXX XXXX. The XXXX previous checks, with identical payee and endorsements were deposited with no issues. 

On XXXX XXXX, XXXX, the teller at the window ( female, name unknown ) at Branch No. XXXX, located at XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX, refused to accept the check for deposit into our savings account. The branch manager was not available to talk to. 

A phone call on the same date to the customer service line at the national number also yielded no precise clarification and that there was no known policy for why Chase would not accept the check. 

On XXXX XXXX, XXXX, we were finally able to reach the manager by phone at Branch No. XXXX. He told us we could not deposit the check because there was a remote chance the public adjuster we had contracted with would attempt to get more money from our account, despite our proof of complete payments. Then he tried to convince us to open a business account to deposit the check instead. Finally, he rudely rebuffed us when we stated we would have to close our accounts. 

As a result of Chase 's actions, our accounts were closed on XXXX. XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
I kindly ask for the prompt removal of the public record from my credit report and necessary adjustments to be made. Supporting documentation has been attached to facilitate this request, and I thank you for your prompt action.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
It is concerning to find an error indicating a late payment on my account, given my consistent adherence to payment deadlines. This inaccuracy is generating unnecessary stress, and I urge you to promptly address it by ensuring my records accurately reflect my payment history.

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 2024-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
My information has been breached over 8 times in the last 6 years. I have debt reporting that the credit bureaus have failed to remove, has not provide any proof. I've only received corresponding letters with negative results, responding the debt has been validated as verifiable. I have yet been provided any contracts within a timely matter, resulting in XXXX days at time waiting on dispute results. I've been disputing for years and now it has became a burden to my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : This letter serves as a formal complaint that Update Late Pmts to Bureaus XXXX, Trans Union, and XXXX you are reporting inaccurate and incomplete information on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. XXXX XXXX XXXX l also respectfully request to be provided specific proof that these alleged late payments were in fact late. It is my understanding that you must verify these items with the reporting creditor for accuracy. If they are unable to provide that proof, or if lacking proof of these payments being late, please update my payment history to PAANL status ( Paid As Agreed, Never Late ) according to consumer protection laws. I also request that you send the description of the specific procedure you use to determine the accuracy and completeness of the information. I know this must be provided within 15 days of the completion of your reinvestigation. XXXX XXXX XXXX accordance accordance with the fair credit act # XXXX, 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 a account without my written instructions. XXXX  15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 362 consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT with the fair credit act # XXXX, 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 a account without my written instructions. XXXX 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end XXXX consumer credit plan as late for and purpose 15 USC 1681 S- 3 : ANY REPORT CONTAINING INFORMATION SOLELY AS TO TRANSACTIONS OR XXXX EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT Thank you for your time and help in this

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 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have repeatedly dealt with this company in every department about the status and predatory lending that lead to this debt and the violation on how it was reported to my credit report after a voluntary repo due to hardships and maintaining this account as a XXXX citizen I have not gotten no resolution just executive responses stating this a legitimate status and its not and from XXXX til XXXX 8 years later this company is still ruining my credit as a charge off thats overdue for time length on my credit!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: TX

Complaint narrative:
Late payments on my car note have been reported on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with non-monetary relief