vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
I XXXX, XXXX co-signed for a car for my brother and he didnt meet the payments, Due to amount of payments not being paid, they repossessed the car and still say that I own them {$20000.00} been working with some credit people to help dispute this off my credit but nothing havent changed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all XXXX  credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
After the XXXX re investigation this account is still inaccurate remove this account IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 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: NV

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-08-02 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: MS

Complaint narrative:
I need to re-document and refile this grumbling to TRANSUNION. I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated.

My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.

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 2024-08-02 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: TX

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 2024-08-02 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: MD

Complaint narrative:
On XX/XX/XXXX and on XX/XX/XXXX I processed ACH payment to two of my business vendors. Neither vendor received those payments, which together amount to over {$1100.00} On XX/XX/XXXX I filed claims. 
On XX/XX/XXXX I was told that it could take the bank up to 45 days to reach a " determination ''. 
In the mean time, I have to pay the vendors again. 
I was also told that the bank would not compensate any late fees due to the bank 's failures. 
In addition, this situation is due to the bank 's failure to continue access to their Bill Pay feature, which is how I've paid vendors for a decade. They changed service providers and did not include my account in the transfer. I filed a complaint 6 weeks ago, and their response is that an " open ended '' investigation is ongoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: Exeter Finance, LLC.
State: MO

Complaint narrative:
Dear EXETER FIN, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that EXETER FIN has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for EXETER FIN to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that EXETER FIN immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that EXETER FIN will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: SC

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

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 2024-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TD BANK US HOLDING COMPANY
State: IA

Complaint narrative:
I purchased a XXXX XXXX XXXXXXXX and financed it with Chrysler Financial ( now Chrysler XXXX ). In XXXX I became XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. During that time the car was stored in my parents garage. I was not able to make ends meet during that time or for many years after. Once I got back on my feet again I worked with Chrysler to pay the settlement amount on the car and got the satisfaction letter and title from them. I thought the issue was done. Well fast forward to about a month ago I started receiving collection calls on my account with Chrysler for this vehicle. I have tried to call Chrysler XXXX 5 times today and every time the call is disconnected. Not hung up on, disconnected. I need a copy of the satisfaction letter so I can make these collection attempts stop. Trying to collect on a satisfied loan is a violation of the Fair Debt Collection Practices Act. Please just provide that letter to me so this can be over. 

The VIN number for the car is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bepensa Capital, Inc.
State: LA

Complaint narrative:
Account name : FINBE USA/ AFS Accpetancce Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : TXXXX XXXX Account # XXXX It needs to be deleted for inaccurate credit reporting. FINBE USA IS showing up different names on XXXX and not showing on XXXX. I have no acknowledgment of these accounts. I did not open up these accounts. In accordance to the fair credit and reporting act this creditors has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. Also 15 U.S. Code 1692c If a consumer notifies a debt collector that the consumer refuses to pay the debt.. the debt collector must cease all communication.. please help me get these accounts removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
15 USC 1681 a Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( b ) REASONABLE PROCEDURES It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter The current personal information being furnished is inaccurate, not relevant out dated information. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

The Consumer reports must be accurate this is law! Please make all the correct updates as requested and delete all old inaccurate outdated and irrelevant information from my consumer report! 
Once this is done please send me an updated copy of my consumer reports

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 2024-08-02 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: Experian Information Solutions Inc.
State: TX

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 explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have been a victim of identity theft. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an ftc report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND 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 non-monetary relief
Consumer complaint received 2024-08-02 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-02 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: TX

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-08-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Called XXXX servicing about payments which are varying month to month, they claim interest is accruing depending on the month. Also paid a late fee specifically to account and company claims it will go towards next month payment? Also company has discontinued all mortgage products and will not provide customers any reasons why. Company has not sent any correspondence in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Citizens Bank concerning an issue with a promotional bonus for opening a new account. The promotion promised a {$300.00} bonus for receiving a direct deposit of {$500.00} or more within a specified timeframe. I fulfilled this requirement, but due to an issue beyond my control, the bonus has not been credited to my account. 

On XX/XX/XXXX, my employer remitted a direct deposit of over {$500.00} to my new Citizens Bank account. However, due to an unexplained delay on the bank 's part, the deposit was not posted until XX/XX/XXXX. This delay caused the deposit to fall outside the promotional timeframe, which was entirely beyond my control. 

I have contacted Citizens Bank multiple times to explain the situation and request the promised bonus, but my efforts have not been successful. I believe I am entitled to the {$300.00} bonus as I met the promotion 's requirements, and the delay was caused by the bank 's processing issues. 

Desired Resolution : Immediate crediting of the {$300.00} bonus to my account, as per the terms and conditions of the promotional offer, recognizing that the delay in posting the deposit was not due to any action on my part. 
A clear explanation and acknowledgment from Citizens Bank that the delay in processing the direct deposit was their error and not mine. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue and ensuring that Citizens Bank honors its promotional commitments. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 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: SC

Complaint narrative:
Upon reviewing my credit report, I am distressed by the discovery of a late payment notation, despite not having any late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Knowingly lying, making false statements or concealing vital, significant and pertinent information, data and/or book entries can, may, and will imply that you admit you are secretly engaging in the practice of scamming people, extorting people, and deceiving the people and you admit that this is true and correct if you do not honor this request. 

" Whoever, having taken an oath before a competent tribunal, officer, or person, in any case in which a law of the United States authorizes an oath to be administered, willfully and contrary to such oath states or subscribes any material matter which he does not believe to be true, is guilty of perjury and shall be fined no more than {$2000.00} or imprisoned not more than five years or both. '' 18 U.S.C. 1621, 18 U.S.C. 1001 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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