vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Someone attempted to apply for cars credit cards and loans in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
XX/XX/year> To whom it my concerns, Im writing this letter to dispute the late payments and inaccuracy information by Ally Financial. 
This is not the first time Ally Financial is intentionally reporting inaccurate information to the credit bureau knowing they are. 
Ally financial has reported my account late from XXXX to XX/XX/year>, but what they did not disclose is that they created the situation by blocking my access to the account for me to be able to make payments by check and credit card in their portal. I communicated this to Ally and they have been very dismissive about it. 

I have also filed a complaints with the Maryland Attorney General Office as well as the Consumer Financial Protection Bureau for their practices. 

XX/XX/year> Ally Financial accused me for stealing someone identification and using it fraudulently and told me they were not going to process my request for documents required to complete my loan approval process I acquire from another lender on XX/XX/year> because I used someone info to acquire my initial loan with them and that was confusing to me. 
When they realized they made a mistake they try to blame me and said I made the inquiry and not someone else. 

I mention to them how will I do such a thing knowing I was approved for a refinance and it would affect the process and they just dismiss my point, After I told them Im going to file a complaint with the credit bureau, CFPB AND Maryland Attorney General office and their representative told me all they had to do is deny they did as well as with my credit and the credit bureau and other entities will go with their word and not mine. 

They block my access for a very long time and are now reporting me being late and trying to destroy my credit. Ive asked them for a letter or documents about the identity incident and they have refused and tells me they do not give out letters and do not see any info in their computer regarding anything of that incident all of a sudden. 

This incident I asked be giving priority please as I am in the process of a refinance Im disputing all info on my credit report and asked the credit bureau removed them as well as investigation into the matter by the CFPB and the MD Attorney General.

I have attached some evidence with this letter pertaining to some of the things that has happened. 

My apologies for any errors in my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I have asked XXXX by both a Chat and phone calls multiple for their address to send payments in. They have confirmed the address multiple times but they reject every extra payment my bank has sent them. All of my extra weekly payments to help bring my loan down have been kicked back. I have the correct address per their website and their chat and phone calls but they refuse my extra payments. They wont let me pay more to bring my loan amount down. Feels like fraud!!! I am including images of the most recent payments that got rejected however I have the bank records that show theyve rejected ALL of my extra payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
After we provided XXXXXXXX XXXX our credit information the Bureaus sold our information to multiple people for mortgage products and insurance information. The companies have contacted my wife and myself approximately XXXX times already in less than XXXX hours to our cell phones which are supposed to be on a no contact list. The companies are not identifying themselves and not letting us know how they got our information. I don't know how safe my personal data is at this point at if the necessary protection is out there to keep it safe.

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX XXXXXXXXSeveral hard inquires on my credit report not authorized by me nor did I every request XXXX XXXX XXXX XXXXXX/XX/XXXX I have several requests for these to be removed and they are still listed on all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: NJ

Complaint narrative:
To whom it may concern, Under 15 U.S Code 1618B Permissible purpose of consumer reports ( a ) IN GENEREAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relate. 

I, XXXX XXXX never gave Experian any written consent to report anything on my consumer report, no consent is identity theft. A copy of the law is attached with this dispute letter. 

Concerning the account listed below as a consumer, I am demanding a deletion of these account listed below : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( 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 explanation
Consumer complaint received 2024-10-18 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: OK

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NC

Complaint narrative:
I called XXXX XXXX XXXX for a payment deferral and they said no, I escalated and was told I would get a call back and never did. I checked online and it showed a payment due doe XXXX and a credit of XXXX but it was in fact a past due amount. They use the same field for credit and past due amounts without differentiating which it is for. 

Based on how the website reads, I assumed the payment was deferred since no one ever called me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/Charge off : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Also Known As : XXXX XXXX Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous XXXX XXXX es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous XXXX XXXX es ) : XXXX XXXX AV XXXX, CA XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX Also Known As XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  Employers : XXXX XXXX XXXX  Employers : XXXX XXXX XXXX XXXXXXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Unifin Inc.
State: AZ

Complaint narrative:
I got a letter in mail from Unifin on XX/XX/scrub>XXXX  via XXXX stating original creditor is XXXX, and XXXX is now the creditor ( dont know who they are never got anything from them XXXX XXXX but Unifin XXXX notice of debt via XXXX and I disputed it via email on XX/XX/scrub>XXXX  ( copies of debt notice and email are included ) XXXX was notified via electronic dispute on or about XX/XX/scrub>XXXX about XXXX XXXX this to my credit without me being notified, yet they resolved the issue as verified. Not sure what kind of investigation was done when nothing was requested from me, I have no clue who XXXX XXXX is and never received anything from them in regards to this debt Unifin has sent me Notice of.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: U.S. BANCORP
State: NM

Complaint narrative:
On XXXX a voicemail was left on my cell phone from the phone number XXXX. The message was This is XXXX XXXX. I'm calling from the document processing division regarding. Scheduled to be delivered either to your home a place of employment we have made multiple To contact you with no response, we are required to notify Delivered this is a highly sensitive matter and requires your immediate attention Please contact issuing office at XXXX Thank you. I contacted the number provided and was told I am speaking to XXXX XXXX XXXX XXXX XXXX  The woman I spoke to was named XXXX. I looked up this law firm and the only I who could find was her be in XXXX. No statement that this call was to collect a debt was given, which I am pretty sure is legally required. She stated I owed US bank {$6300.00} for a XXXX account and ending in XXXX. I was informed I could pay them {$4700.00} right now to settle it. I was told demand letters were mailed to three addresses, two former and one current, 45 days ago and that they had proof they were delivered. No such letters were delivered. I was told that if I do not pay them they would garnish my wages, and levy liens against my property. I paid off any account I had with US bank 13 years ago. This is not the first time I have received these calls about this and not the first time I filed a complaint. I have in fact been receiving them for approximately 4 years. Each time they say that they are processes servers from whatever state I am living in and I need to call a law firm. I am sick of these calls and I want them to stop.

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 2024-10-18 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
You can no longer use PayPal After a review of your account activity, weve determined that youre in violation of PayPal 's XXXX XXXX XXXX. Specifically, the sale of XXXX oriented materials or services. As a result, your account has been permanently limited and you wont be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

Any bank or credit card information linked to your PayPal account can not be removed nor can it be used to create a new account. You can still log in and see your account information but you cant send or receive funds.If you have funds in a PayPal balance, well hold it for up to 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including liquidated damages. After that period, well email you with information on how to access any remaining funds.

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 
Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts Reference ID : XXXX That's the message in my account. I'm a long time customer and I do business solely using paypal. Banning my account impacted my whole life since this was my source of income since XXXX this year. They banned me around XX/XX/scrub>XXXX XXXX XXXX  without any solid evidence why I was tagged that way. I've communicated and even filed a complaint at XXXX still no progress. They kept raising my monthly limit even though I can't use almost all of the accounts payment features.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 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: PA

Complaint narrative:
Name is misspelled. the correct spelling is : 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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER TACTICS FROM EXPERIAN

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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-18 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXXXXXX 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 2024-10-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX not authorize by me also XXXX XXXX XXXX XX/XX/year>

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 2024-10-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MO

Complaint narrative:
I canceled my allstate insurance policy originally on XXXX to be effective XX/XX/scrub>XXXX  The policy was never canceled and I canceled again on XX/XX/scrub>XXXX  again effective XX/XX/scrub>XXXX Per the documented chats, it was to be canceled. I never received anything more from XXXX until I received a collection notice for {$1300.00} on XXXX  I sent the required documentation, including screenshots of the chats from both dates and the new declaration page to the collection company. I didn't receive a follow-up email or call so I called them this morning. I was told, by XXXX, that the money was owed because I didn't give 45 days written notice to XXXX to cancel my policy- which is wrong. I told her this and she said that she would speak to XXXX and put me on a XXXX minute hold. She came back and said that she was correct and I owed the money because of the lack of notice. I explained that is not how insurance works, and legally I don't have to give 45 days notice- and per the chat history that I sent her the XXXX agents I chatted with said nothing regarding this made up policy. I was informed that if I paid today that she would graciously take XXXX % off the balance owed. I told her I would not be paying this and asked who I needed to speak with at XXXX. She told me that they wouldn't speak to me because it was in collection. I called XXXX. It was an error on their part and I do not owe the money- nor do they have a 45 day policy to cancel.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
On XX/XX/year> I called chase bank where I had a checking account to get information of what I needed to deposit my XXXX  fianc XXXX death benefit from his mother. The agent told me I needed his signature my signature and 3 forms of identification. I did that. I deposited the check they gave me money from the check. Chase then restricted my account closed it then told me I needed a POA. I got that now theyre telling me they are going to hold on to the check until he gets released XX/XX/year>.

Company response to consumer: Closed with explanation