vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Confusing or missing disclosures — 
Company: MECHANICS BANK
State: CA

Complaint narrative:
I did maintain a Mechanics Bank, for professional business account, and was during the time mine account was opened, arrive in person, in order cash, at deposit a secure legitimate jurisdiction, insurance type check, written to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
applies attend mine at Mechanics Bank, mine for professional business juris. 
The check was submitted for deposit to be cashed available for transactions, at secure attends mine Mechanics Bank, for business account, although a serious problems arise when the check failed a timely, for cash jurisdiction, it, the cash, released funds be made available to me the account holder, owner, of XXXX XXXX XXXX, and document company, XXXX XXXX XXXX. 
Mine available submitted insurance type check, that should have been add confirmed to cash, within 3-5 business days, was held unnecessarily, of at an attends Mechanics Banking , then contracts, for period exceed 10-days, cause me injury, upset VA XXXX XXXX XXXX XXXX XXXX, compel me use of VA prescribed medications, cause severe at mine professional legal business, XXXX XXXX XXXX XXXX XXXX  XXXX, damage to special legal document project, and monetary loss, especially that apply business jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: FL

Complaint narrative:
I asked the debt collector to send proof that I was the one that incurred the debt. S.S. number, photo ID, fingerprints or camera footage. Something that leaglly places me at the scene.They sent me a one page piece of paper with three itemized bills that in no way prove I was the one who was there at the time of the said incident that debt was incuured from as a result of.

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 2024-03-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was damaged or destroyed the vehicle — 
Company: Select Management Resources, LLC
State: IL

Complaint narrative:
I got a title loan from this Mid American Title Loans LLC on XXXX. The company loaned me initially what was said to be {$1000.00} but in order to get the loan I had to allow them to keep {$300.00} out of the {$1000.00} therefore only providing me with {$700.00} to leave the business with. However after reviewing the contract after I left the business, I noticed it states i was given {$1000.00}. In fact i was not given {$1000.00} and the contract does not state where the other {$300.00} went. The worker XXXX gave me cash out of her pocket claiming that it was legal to do so. On XXXX the business Mid American title loan hired a repossession company to pick up my car. When the repot company showed up at my residence I clearly stated my desire for them to leave and even called the police because the man driving the tow truck harmed my wife as well as caused damage to my vehicle when he attempted to lift my car with my wife sitting on the car knocking her off to the ground as well as did not have his tow truck equipment connected properly when he lifted my car doing damage to my engine and ripping off parts of the undercarriage protecting my engine. Even after the police showed up, the repot man did not leave and even stayed for about 4 hours with me sitting in my vehicle. He attempted to coerce the police into forcing me to get out of my vehicle which was successful at first due to the threat of me being arrested if i did not get out of my car. I asserted my right to be left alone and that this was a breach of the peace and that law enforcement should never get involved with helping a repot agent repot a vehicle. Clearly a breach of the peace occurred and this is wrong. Also the repot man, after the police left, stated to me that he had a XXXX in his tow truck i believe in an effort to scare me out of my car. I have video of most of this breach of peace occurring.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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 did not authorize these inquiries and strongly believe they are fraudulent. I urge you to conduct a thorough investigation and remove them promptly from my credit report. 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 2024-03-28 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: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 explanation
Consumer complaint received 2024-03-28 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:
The presence of this account has caused me significant distress, even affecting my ability to sleep. I have provided all necessary documentation for its removal, and I earnestly request its deletion from 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 2024-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
The complaint is against Navy Federal FCU. 
On XX/XX/XXXX of this year Navy Federal once again tacked onto all three of my credit reports a car loan that belonged to my late mother, is WAY outside of the statute of limitations, has nothing to do with me, and according to Federal law as I understand it should have dropped off of my reports THREE YEARS AGO as it is now over eleven years old even if it was mine yet they refuse. 
When they put it on my credit again it caused my ratings to drop by almost XXXX points and now I need to move and can not as this hit has destroyed my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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 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 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 2024-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
Specialized Loan Servicing ( SLS ) failed to honor my auto-payment deduction form, twice submitted with requested additional principal to be taken out. They failed to incorporate the form in closing already sent to them from XXXX  ( as they allege they did ). At closing I had to fill out another form as it was not accounted for. After closing both XXXX and SLS sent me notices of pending first auto-pay bill, with again the incorrect amount, without the requested for ( twice ) additional balance. Attempted to have XXXX  work with SLS to correct. XXXX  refused ( see my complaint on them ), instead sent me to SLS XXXX auto-bot customer service line. After some time going through auto menus, and first agent, then elevating this to a manager, SLS had me again confirm what I already submitted twice, wasting much time and energy. I requested confirmation that my first payment will now reflect requested additional principal. I have yet to receive any confirmation notice, but now have to wait to see if SLS, now after a third time, will honor request when first payment hits XXXX this year. This casts doubt on all the closing documents being honored/properly processed if a simple auto-pay form was ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX has been reporting my credit report and has inaccurate information which is causing a hardship in trying to recieve credit. 
I have opted out and froze my XXXX XXXX  from reporting information regarding my credit report to 3rd parties and they still are reporting dispite my attempts to lock my XXXX XXXX  from future use

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 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: FactorTrust, Inc.
State: GA

Complaint narrative:
XXXX XXXX has been reporting my credit report and has inaccurate information which is causing a hardship in trying to recieve credit. 
I have opted out and froze my XXXX XXXX  from reporting information regarding my credit report to 3rd parties and they still are reporting dispite my attempts to lock my XXXX XXXX  from future use

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I spoke to numeral acct associates. most I could Not understand. 
I finally spoke to a XXXX in the XXXX and she stated she would check phone conversations. 
After checking and verifying that I was told a courtesy correction would be asked for, she said it was not. 
I have spoken to many customer service agents with Ally throughout this horrible experience, and although my Ex spouse made many unpaid payments, I was Never told that {$28.00} estimates of late payments were due. I paid what the Customer service people asked of me on the {$470.00} payment. If the system is behind or inaccurate from that day, I should not be responsible. Again. I was told the system caught up that same day I made the payment. I was NEVER told that day or after that day there was a balance due!! Again. XXXX XXXX was in this acct and this was Her car, it doesnt show in her report as late.

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 2024-03-28 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: TX

Complaint narrative:
I believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documents? Several accounts listed appear to be inaccurately reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank in XXXX XXXX is ridiculous when you try to use your debit card for an ATM withdrawal from a non Chase bank. If I go to a non Chase bank I get charged $ XXXX then Chase charges me another {$3.00}! Thats absurd! Not to mention, the major lot of Chase banks in XXXX XXXX do NOT have a teller machine. To make matters even worse Chase has vestibules BUT you cant even use the vestibule after banking hours XXXX. What a joke. EVERYONE IS WORKING FROM XXXX! This past year alone Chase has charged me an additional {$200.00} just to use my debit card? Thats wild and I will be closing this checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: EQUIFAX, INC.
State: IN

Complaint narrative:
After examining my credit report, I've observed inaccuracies and indications of fraudulent activity within the listed accounts. I am deeply dissatisfied with this finding and demand the immediate removal of these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 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: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2024 a Bank of West/ BMO bank new auto loan, no./ account XXXX was paid in full. 
( XXXX ) XXXX. I had called twice. The representative was irresponsive in providing any information as to whether XXXX was notified and when I would receive my title for this paid in full vehicle. Since attempting to contact them prior and having the same poor level of service I decided to place this complaint to resolve the lack of care and support that they provide.

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 2024-03-28 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: GA

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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-03-28 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: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

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 2024-03-28 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: MO

Complaint narrative:
I have submitted all required documentation and urge for a comprehensive examination of this issue. The unauthorized inquiries are greatly concerning to me, and I seek a prompt resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
A car was purchased by my mother with me as a cosigner from XXXX XXXX and was handled by a company called Bridgecrest. 
There was another complaint about them from me a few years thar resulted in nothing but now there are other circumstances. 
Their agreement stated that is one of us were to become deceased or the car totalled in an accident they would cover the rest of the loan as paid. 
My mother passed away in XXXX of XXXX  so that should have made the loan dissappear right there and the car was totalled in an accident involving a disoriented driver jumping the curb, hitting the car, and knocking it into my neighbors yard causing damage to their house. 
XXXX was supposed to report this to XXXX but they wouldn't give my anymore info AS I WAS NOT THE OWNER OF THE CAR PER THE TITLE AND THEREFORE COULD NOT PERSONALLY REPORT THE CAR TOTALLED HAVE IT TOWED OR ANYTHING ELSE. 
Eventually as the insurance company would not let me arrange for towing I just let the city of XXXX impound the thing as again I am not the owner just a cosigner.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the XXXX  you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2024-03-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Today is XX/XX/XXXX, my payment is 11 days late. Since Sunday XX/XX/XXXX ( 5 days ) Comenity Bank has called me 31 times, 22 times from their number and another 9 times from " no caller ID ''.

Company response to consumer: Closed with non-monetary relief