vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, my extended warranty attached to my auto loan was cancelled with the car dealership. It has been XXXX  months and the refund has not been credited back to my auto loan. The extended warranty company ( XXXX ) has confirmed that a refund was sent to the dealership, but this refund has still not been credited to my auto loan. I have attached proof signed by me and the finance department at the car dealership detailing the cancellation of the extended warranty. I filed a previous complaint back in XXXX about the not being able to cancel my extended warranty. It has now been cancelled but I still have not received the refund for it. The dealership ( XXXX XXXX ) claims it was bought out and I have to reach out to their sister dealership ( XXXX XXXX ) for assistance but I was never informed about this by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Plutos Sama, LLC
State: NY

Complaint narrative:
I received a phone call from XXXX On XX/XX/year> at XXXX. 
" This is an urgent message intended for XXXX XXXX file number XXXX. My name is XXXX and I am contacting you in reference to a complaint that has been forwarded to my office and has also been registered against you. Should you wish to discuss the pending actions that may be filed, you'll need to contact the firm directly handling this matter at XXXX. Failure to respond may result in the firm proceeding without your consent. Please be advised that this call has been logged and submitted as proof that you have been notified '' I called the provided number and was connected to XXXX XXXX a " mediator '' for B and P Law Firm. He asked for confirmation that it was me for security purposes, and that I could verify by providing my street name and he stated the last four digits of my Social Security Number. I provided and he said that this was regarding a debt to XXXX XXXX XXXX  and I owed {$930.00} dollars, including past due fees and interest, and listed my full Social Secrurity Number. I asked for his information and a written letter to provide my attorney. He said that he can not provide anything in writing and I need to have my attorney call him. he said that otherwise, I will be served papers in XXXX XXXX. I again requested a certified letter and was told I can not do this. I asked for the address which is said was XXXX XXXX XXXX in XXXX, TX. 

I did not take out a loan from this company and do not owe a debt.

Company response to consumer: Untimely response
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
My name is XXXX XXXX and Social Security Number : XXXX, and Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you shall block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account Name : 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 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 XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial 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 explanation
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld.

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 2024-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
In XX/XX/XXXX, my XXXX XXXX bankruptcy case ( XXXX XXXX. XXXX ) was XXXX by the United States Bankruptcy XXXX for XXXX XXXX XXXX XXXX Georgia XXXX This discharge included all debts owed to Pentagon Federal Credit Union ( PenFed ), legally releasing me from any liability for these debts under 11 U.S.C. 524 ( a ). 

In XXXX, despite the discharge order, PenFed sold one of the discharged debts to XXXX XXXX, a third-party entity. The sale of a discharged debt is a clear violation of federal bankruptcy law, which prohibits creditors from transferring, selling, or enforcing dischargeXXXX debts in any manner. 

Furthermore, PenFed has restricted my ability to establish an account with them, requiring me to " take care of the balance '' with XXXXXXXX XXXX before I can open an account. This restriction constitutes an indirect attempt to enforce the discharged debt, which also violates the discharge injunction.

Actions Taken by the Company : PenFed sold the discharged debt to XXXX XXXX in XXXX, contrary to the protections provided under bankruptcy law. 
PenFed refused to allow me to open a new account unless the balance was resolved with XXXX XXXX, indirectly attempting to enforce a discharged debt.

Actions Taken by Me : I notified PenFed that the debt was discharged in my bankruptcy and provided supporting documentation, including the bankruptcy discharge order.

I requested that PenFed lift the restriction on opening an account and confirm the debt was no longer enforceable.

I informed them that selling or transferring a discharged debt violates 11 U.S.C. 524 ( a ).

Despite these efforts, PenFed has not resolved the issue, and their unlawful actions continue to cause stress and inconvenience. I seek immediate corrective action to address these violations.

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 2024-11-15 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: IL

Complaint narrative:
On XX/XX/year> I sent XXXX, XXXX, and Transunion a dispute about deleting incorrect personal information that is currently reflecting on my report. I never have lived at these places and some I do not recognize at all. They have yet to process my request and have ignored it.

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 2024-11-15 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: CO

Complaint narrative:
I sent dispute letters to XXXX, Equifax, and XXXX to dispute inaccurate items. 

I did not receive any response from them that indicated that they verified the items as accurate, nor did I receive any information about the methods they used to verify those items as accurate. 

I received an email from XXXX and XXXX stating they were not in fact going to look into the disputed items because they doubted the validity of the letters I sent. I sent them follow up letters explaining that they must, in fact investigate the disputed items. 

I even had a phone call with XXXX to tell them to investigate, that got me nowhere. They insisited that I just dispute it over the phone, but I told them that I am aware of the law and do not wish to do so, they must honor my requests I sent in via letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-15 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: NC

Complaint narrative:
Following the Fair Credit Reporting Act, the list of unauthorized inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, the unauthorized inquiries below have violated my rights. 15 U.S.C 1681 section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C1681c. ( 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 ) ( a ) 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. Please delete the unauthorized inquiries listed below : XXXX XXXX : XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX, Experian. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, 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 2024-11-15 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneous information is negatively affecting my creditworthiness, and I am requesting an immediate investigation. Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial 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 explanation
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
I sent a letter to all three credit bureaus for investigation on XXXX XXXX. I havent received any information as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: FL

Complaint narrative:
I sent a letter to all three credit bureaus for investigation on XXXX XXXX. I havent received any information as of yet.

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 2024-11-15 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 explanation
Consumer complaint received 2024-11-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I sent in a dispute on 5 different credit cards about incorrect balance, which XXXX has decreased my credit score tremendously. Several of the accounts have a XXXX balance. The dispute was sent today XXXX and XXXX responded within XXXX hours with no charges. Also, my student loans were paid off recently, but the credit bureau did not adjust my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Unauthorized Inquiries : Under the Fair Credit Reporting Act ( FCRA ), creditors must have your authorization for each hard inquiry. If these inquiries are duplicates without authorization, they could violate FCRA regulations. 

In your dispute with XXXX, cite 15 U.S.C. 1681b ( f ), which requires permissible purpose for any hard inquiry i do not recognize these account plz remove asap XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate XXXX. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Potential Duplicate XXXXXXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate with XXXX XXXX ( same date ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: MD

Complaint narrative:
Unauthorized Inquiries : Under the Fair Credit Reporting Act ( FCRA ), creditors must have your authorization for each hard inquiry. If these inquiries are duplicates without authorization, they could violate FCRA regulations. 

In your dispute with XXXX, cite 15 U.S.C. 1681b ( f ), which requires permissible purpose for any hard inquiry i do not recognize these account plz remove asap XXXX. XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX  XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate XXXX. XXXX XXXX Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX Date : XX/XX/XXXX Potential Duplicate XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Potential Duplicate with XXXX XXXX ( same date ) XXXX. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removal Date : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 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: GA

Complaint narrative:
Why do the negative accounts still remain on my credit report until now, even though I have long wanted to have them removed? I have filed numerous complaints about this, yet they have taken no action. I now want the negative accounts to be removed and the responsible parties to be fined appropriately because their inaction has greatly affected me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-15 00:00:00
Product: Mortgage — USDA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/year> hurricane XXXX caused 2 trees to fall on our home causing damage to the roof, side walls, ceiling and flooring. We filed a claim with our insurance which we then quickly received response from adjusters who came to assess the damage and send a check for repair. The check was signed by my husband and myself, but the bank where our loan is through, Wells Fargo, also needed to endorse the check. When we went to Wells Fargo to have the check endorsed, Wells Fargo informed us that we would need to fill out an affidavit and fax it to their property loss dept and then they would sign the check. When the affidavit was received by the property loss dept, the property loss dept with Wells Fargo then informed us that the contractors who were fixing our home would need to fill out XXXX forms, send in licensing information or liability insurance forms if they did not have a license ( in North Carolina if the cost is less {$30000.00} by law a contractor does not need a license ) and waivers of lean. Those items were submitted by the contractors themselves and once all of that information was submitted we were informed that we could have Wells Fargo 's inspector come and submit the information that the work was completed and as long as it was at least 70 % that the contractors would be paid. We were informed by property loss with Wells Fargo that when all of the paperwork from the contractors was submitted that the inspector would be calling to set up an inspection, and that the inspection was the last thing needed to get the insurance check endorsed. The inspector for Wells Fargo came on Wednesday, XX/XX/year> and submitted that the work was 95 % complete. On Friday, XX/XX/year> we called property loss at Wells Fargo to inform them that the inspection was done and we asked about endorsement for the check, to which property loss from Wells Fargo informed us that they needed information that had already been submitted 2 weeks prior. We were informed the only way to get the inspection was because everything was submitted and they are continuing to deny endorsement on our insurance check preventing us from paying the contractors who have finished their work.

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