vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The credit agencies have repeatedly ignored my Identity theft report that I have sent several times to them. They have repeatedly ignored my requests to delete any addresses or names in which my Identity Theft report identifies. I have provided my drivers license and my a copy of my bank statement for my address. They have been reporting information that did not have my permission. There are companies that are reporting as late payments which are illegal according to 15 USC 1637. There are companies that are reporting which I have sent validation letters too which I have not receive back an answer to who is the Creditor ( in which I am the original creditor as the money was pulled from my account and I am forced to repay with interest ) The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

If this dispute is not handled in a manner in which I am satisfied I will file for every violation which is at a cost of {$1000.00} per each violation Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
I leased a chevy XXXX  in XXXX, the account was finalized in XXXX and paid in full, XXXX just reported XXXX late payments in XXXX for an account that is closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
I Am a natural man and consumer. I was impacted by the so called 2017 Equifax data breach. I am spending incalculable hours and energy trying to keep up with the fraudulent accounts and inquiries appearing on my personal consumer credit report. This is the third cycle ( 30 day increment ) that I'm sending out disputes to Equifax, XXXX XXXX, and XXXX. XXXX XXXX has sent me stall letters and postcards after each of my disputes stating that they applaud my decision to take control of my credit, but they continue to completely and wilfully violate the FCRA by stating that my letters, which have my identifying information, doesn't appear to come from me. First of all, the FCRA does not stipulate that a consumer must notify any credit reporting agency that they are working with the assistance of someone else. Secondly, XXXX XXXX is a multi billion dollar corporation that does not know me personally, so how can they possibly determine what my mail seems like? XXXX continues to send me form postcards that are essentially stall letters as well, stating that my proof of address is insufficient, thereby denying me my right to challenge or dispute any information that is inaccurate erroneous or incomplete, and therefore access to my consumer report. The law states that upon receipt of dispute, a CRA must initiate a " reinvestigation '' of the disputed information, and complete it within 30 days. I am now approaching 70 days with no progress. I've submitted proof of my being a longtime victim of identity theft and the law states that ANY ITEMS THAT ARE REPORTED TO BEE THE RESULT OF IDENTITY THEFT MUST BE BLOCKED WITHIN 4 BUSINESS DAYS.

FCRA 605B ( 15 USC 1681c-2. Equifax and XXXX continue to report a fraudulent account from XXXX and company called XXXX ( XXXX XXXX ). I've contacted XXXX  and they said they'd forward it to the fraud department, but all that's happened is they verified the accuracy of the information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In this complaint Im going to list the FCRA violations pertaining to XXXX account ending in XXXX Complaint XXXX was submitted XX/XX/XXXX which was a reinvestigation of previous complaints. Equifax disputed the account which came back verified. The confirmation number for this dispute is XXXX. During the reinvestigation Equifax did not record the status of the disputed information therefore the account should have been deleted before the end of the investigation. I confirmed this by taking the facts directly from my Equifax credit report and also I called Equifax on XX/XX/XXXX at XXXX central time and spoke to XXXX employee ID XXXX  and she stated there was no notice of dispute during the investigation. This is a violation of Section 623 ( a ) ( 3 ) : Duty of furnishers to provide notice of dispute. This is straight from the FTC government website. 

I disputed the reporting of an available balance of negative XXXX. The account is closed, the available balance is XXXX. Continued reporting in the payment history after the account has been closed. How are the inaccuracies being verified when the facts are coming straight from my credit report? Under 15 U.S. Code 1681e - Compliance procedures, Equifax by law shall maintain reasonable procedures designed to avoid violations. Using an automated system is not a reasonable procedure to ensure maximum possible accuracy. This procedure is not equitable which has now caused violations of the FCRA. Using the same procedures for reinvestigation is a violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I want the account deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
When I log into myequifax.com my credit file doesnt show up. It is completely blank. I have spent hours in the phone with equifax to no solution to the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have been making requests to further investigate the accounts referenced in the attached letter for the last 6 months, but I was never given any response. My credit report shows multiple inaccurate information for each account, the last reported dates vary from one another. There has been no record of me giving permission to publish or furnish any of this information and this is a violation of FCRA. 

I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and Metro 2 Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
This charge was a fraudulent transaction that was never authorized by me. The original creditor XXXX should have never processed this charge from a car rental company without my consent. I have contacted XXXX on many occasions to dispute the transaction and they have done nothing to resolve the issue. Instead, they hired Cavalry Portfolio Service, a credit collection agency to pursue the debt. I would like XXXX to remove this balance from my account and from my credit report altogether in the interest of justice, according to the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westcreek Financial
State: IN

Complaint narrative:
I received a letter Monday, XX/XX/2023 from Koalafi saying I owed {$14000.00} on an account, and that I had two weeks to pay. I have never contacted Koalafi, let alone opened an account with them. Also, they do not show up on any of my credit reports, so I'm not sure if this is related to Identity Theft or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, 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: KS

Complaint narrative:
I was never late on the paid off accounts listed below. Please show me documentation showing proof of transactions showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete the alleged late payments from my credit report. 

XXXX XXXX XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX XXXX account XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX of XXXX, The State of California attached a {$20000.00} levy to my checking account for unpaid taxes, and without a warning, Bank of America withdrew and sent them money from my checking account. The same date, Bank of America also withdrew and kept a separate " Legal Order Fee '' of {$120.00}. I called BofA to try to get that fee reimbursed, but they reassured me it was a one-time non-reversible fee, and even though the legal order/ levy was still in place ( and would be for years while I get the taxes paid off ), I would never be charged a legal order fee again for this levy. I believed them, and so it remained in place ( status of PAID. ) A few months later in XX/XX/XXXX ( with BofA sending State of CA some payments from my account in the meantime ), BofA sent another payment to the State of California -- and another {$120.00} Legal Order Fee was charged. I noticed this and called BofA immediately. They apologized for the error, said they should not have re-charged me another fee for the already-existing levy that was atttached to my account, and refunded that fee to me. 

Fast forward to XX/XX/XXXX ( with several payments sent to State of CA in the meantime ). I was again charged a {$120.00} Legal Order Fee for the exact same levy that began in XXXX. 
Since then, I have spent many, many hours on the phone and in the branch attempting to have the erroneous ( and by this point, triple-charged " one-time '' fee ) removed by Bank of America. This time, instead of apologizing for their error and refunding the erroneous fee like they did in XX/XX/XXXX, they refuse to refund it to me -- and will not give an explanation of why I again have paid another " one-time '' Legal Order Fee. Several of the call center folks I spoke with even agreed with me that it is not right, but it is not in their power to refund it to me. I have reached the end of the escalation point of both the in-person branch in Sparks, NV and the customer service phone call center, so there is no one left to help me at Bank of America XXXX I have triple-paid this fee and now lost time from work and lost sleep trying to get them to do the right thing. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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. 


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 has violated my rights. Or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UMB FINANCIAL CORPORATION
State: MO

Complaint narrative:
In XXXX of XXXX my husband I put XXXX  checks in the mail, XXXX  to the US Treasury Department for {$21000.00}, XXXX  to the XXXX  XXXX XXXX XXXX for {$7000.00}. These checks were intended as payment on our estimated taxes due in XXXX as a result of a real estate sale in XXXX of XXXX. Both pieces of mail were stolen from USPS postal boxes , and washed, then cashed. Unfortunately, since these checks were intended to pay toward our XXXX taxes and we had not officially filed the taxes yet, the XXXX  Government agencies were not expecting the checks, thus we were not made aware that the checks did not make it to the proper destinations. We utilize the paperless statement option, highly encouraged by the bank, and only saw that the checks cleared for the amounts we had written them for. Unfortunately, it wasnt until we were preparing our taxes in XXXX of XXXX that we realized what had happened. 

On XX/XX/XXXX we visited the UMB XXXX branch and filled out paperwork to initiate a fraud investigation. We made police reports and reported the theft to the US Postal Service as directed by the bank. We were told the process usually takes XXXX days. After waiting XXXX weeks, with very little contact or updates, we reached out to a vice-president at UMB. She directed us to the UMB XXXX branch manager who stepped in to follow-up on the situation. After a week of emails and phone conversations we were told that the claim has been denied because of the length of time between the checks being stolen and cashed, and our reporting it to UMB, a XXXX month period. We have been clients of the bank for XXXX  years with multiple accounts, both personal and business. UMB should have worked harder to recover our money. 
We were just advised on Tuesday that the check intended for the Department of Treasury was cleared through XXXX XXXX XXXX and the check to the XXXX  XXXX  XXXX XXXX cleared through XXXX XXXX. The UMB bank representative indicated that they had not yet contacted the banks since the date in reporting was beyond their guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I purchased food from an online company. The meat arrived thawed. We cooked it, it was not eatable. We cooked more a few days later for guests, same thing, then my wife became sick. I complained to Co. They issued a partial refund of {$69.00}, they still owe me {$250.00}. They wont refund. I filed dispute with credit card co. They did nothing. They sent me a letter, see attached. 
1. They did not investigate with merchant. 
2. They did not give me explanation as to why I owe the balance. 
3. I asked for, but never received copies of documents from merchant proving that I owe the money. I received no documents. 
4. I was never told by credit card co. as to how much I owe and why.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, 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: CA

Complaint narrative:
First, I called the company XXXX XXXX about this inquiry, stayed on the phone for more than an hour and they could not find me in their system. 

Then I also disputed this with Experian but they won't do anything about this. 
I filed a report on CFPB on XX/XX/2023, which included a notice that there were 2 such inquires from the same company Ally Financial with 2 different addresses and BOTH of these were NOT mine as I have never had any relationships or applications with ALLY. 

XX/XX/XXXX -- I was informed and found that only XXXX XXXX  inquiry was removed -- the XXXX address. 

I just called Experian and one of their associates said they won't remove this item because its an Inquiry. This is WRONG. Its not my inquiry and its a violation of the law. 

I need that other XXXX XXXX  with the XXXX MI address removed immediately as well.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, 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: CA

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 OF XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : FAMILY LA CO Account XXXX has violated my rights. Or 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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

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 OF XXXX XXXX Account XXXX Account name : Untitled Account XXXX Account name : FAMILY LA CO Account XXXX has violated my rights. Or 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 explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Chase Bank in XXXX has a banker who ambushed me on XXXX on a visit to the bank. He had been setting this situation up for 5 years via himself and the males he hires. He went on a financial hate crime spree in the bank and waited over a week to have paperwork sent to me detailing that Chase didn't want my business even though I did not violate any conduct rules or credit card rules. Chase Bank knows about this and is reviewing the situation to ( hopefully ) keep my bank account open. 

I find this banking behavior reprehensible and definitely want it published. I also hope the banker ( XXXX XXXX XXXX ) loses his ability to manage XXXX within all banking and finance.

Company response to consumer: Closed with explanation