vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
I put my payroll roll check in Arvest atm XXXX XXXX XXXX XXXX XXXX XXXX. Their policy states it will be available the NEXT business day, which would be today. Now Im being told I cant access my funds until Tuesday. This will cause a financial hardship on me, and it will be very hard to catch up on. If they were clear on their rules & regulations I would be in the clear right now. Please help, I really need 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 explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
Summary : was told I was on autopay, but still was required to make manual payments resulting in loans not being paid on time. 

On XXXX XXXX I logged into my online portal for Edfinancial and paid for my due amounts and signed up for Auto Pay. 
I received an email confirming I signed up for Autopay, and that my start date would be in XXXX. 

Fast forward to XXXX I receive notice that I am late on payments and have not paid for XXXX Loans. 

I look in the Portal everything is configured correctly with valid payment info. I submit a payment to cover the fees in a one time using the same payment info and it processes. 

I call in to confirm I am enrolled on Auto-Pay, and am informed that despite signing up for Autopay I needed to make the next two payments manually. I double confirmed that despite saying Autopay Started in XXXX, I would need to make my next two payments from that date manually and the agent double confirmed. This was not stated anywhere in the online process for Auto Pay enrollment and is super misleading. 

I was then told because I was " late payment '' I would need to reenroll in autopay, so despite all the details showing correctly in the XXXX for AutoPay I needed to restart it and then once again manually pay for the Auto Pay for 2 months. No where in the online process was this stated. 

This is either deceitful or insanely negligent and incompetent, neither of which are acceptable when people 's finances are on the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
2022 in XXXX someone called posing as a bank of America representative said someone hacked XXXX from me and I needed to get on XXXX and need to transfer it out to recover it called from the number I had stored in my phone so thought was legit. I had called the bank XXXX days before ro tell them I had identity fraud so thought it was about that. Would not recover my money said I allowed it. It is fraud when someone poses as a bank of America rep but would not help me get any money back at all m

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 2024-01-12 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: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-01-12 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: FL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2024-01-12 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: IL

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2024-01-12 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: PA

Complaint narrative:
I, XXXX XXXX, am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- # XXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2024-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Hi CFPB, on XX/XX/XXXX going into the XXXX I went to a bar named XXXX XXXX XXXX in downtown XXXX and I got my debit card stolen after paying my tab at the bar. I went back to my hotel room at XXXX  XXXX and went to bed. I woke up and noticed my debit card was missing out of my wallet and checked my bank account and someone out there hit up every ATM and other things that night withdrawing a total of {$6000.00}. The criminal did roughly 40 or more transactions using my debit card. Please help me out, my bank credited my money back the next morning when I reported it and thought it was all taken care of. As of XX/XX/2024, chase bank has reversed the fraud claim, and is saying I have benefitted off this act because my PIN number was used multiple times without fail. I did not benefit off this and I dont know how whoever got my PIN number got it, and I have filed a police report with the XXXX Police Department . Report number : XXXX. He went to numerous locations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX, ATM withdrawal XXXX. I called chase fraud department when waiting my for my money to return for updates, simply updates, every time I called the chase fraud department they were opening a whole new claim. I have no idea why they did that, leading my case into more confusion. This is a clear case of fraud, I have submitted my case to Chase Fraud and they are not helping, they gave me my money back and then reversed it leaving me negative - {$1600.00} dollars in my checking account where my bills come out of. I did not commit this crime, I did not benefit anyway, and I did not authorize any ATM withdrawals or any of these other transactions using my chase debit card. I am a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I was an Ollo cardholder, but have not used the card in few years. I made one time purchase in XXXX for one year subscription for {$50.00} on this card, I made sure that auto-subscribe button was off. So it was one time deal for me, I paid my {$50.00} owed, and forgot about it. Back in XXXX of XXXX I came to find out that I was charged another {$50.00} from that XXXX XXXX I subscribed for ONE YEAR only, and accumulated some late fees on top, because OLLO became ALLY!!! I was not aware of it, as I get too much junk in the mail, and when I saw ALLY in my mail, I thought it was junk! As soon as I realized that I called the bank, explained what happened. They opened a dispute, I received a mail confirmation on XX/XX/XXXX. They asked me to contact the merchant and try to solve with them. I provided the bank with all the information I could find about that club I subscribed for. The phone number was not legit, the customer service options on their website were unclickable. There were no means for me to get in contact with that shady company. The ALLY resolution was that they find the charge legit, and I have to pay. I decided, that {$50.00} not worse the aggravation, so I called them up and said that I agree to pay {$50.00}, asked them to waive the late fees due to their banks changing, and to close my account. I paid the money, was granted fee waiver, and was told my account will be closed. On XX/XX/XXXX I received a mail confirmation that my account was closed. I have been bombarded by mail and text messages prior and ever since, the latest balance is {$57.00}. ( Attached is a picture to show the frequency of their mail, and there are also text messages and emails! ) .I been calling them numerous times, heard different stories, last one told me I already had {$27.00} late fee honored, she can not honor twice! Twice!!! There should only be one time fee removal, but because of their cycles, it kept rolling into the next cycle, or so I was told. This bank was nothing but headache to me and I wasn't even aware that I became their customer. I am accumulating more fees as days go by, but I feel it is unfair how I was treated, not able to get any help or resolution.

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 monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Experian Credit Bureau has implemented rules and policies which prohibit a consumer to update their current address. Experian has address information in my report that is old and out dated. When I asked XXXX from Florida to remove old address she refused and said she would mail me the Experian policy data that disclaims that my request can not be implemented. I want all old address information that is outdated to be removed immediately and only my current address to remain. Their policy is a direct violation of Section 623 of the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 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: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progessive Management Systems is not respecting my rights as a federally protected consumer under 15 U.S. Code 6802 to opt out of reporting to non-affiliated third-parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I respectfully ask for a swift update of my account with the accurate and precise information. Your prompt response in resolving this issue is highly valued.

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 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Insert Date ] Subject : Credit Report Dispute under 15 U.S. Code 1681 Dear Sir/Madam, I am reaching out to address inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) . I have identified several discrepancies which I believe infringe upon my rights regarding the permissible purpose and accuracy of information. 

Disputed Accounts : XXXX  XXXX ( Account Number : XXXX ) : The reported balance and charge-off status are incorrect. 
XXXX ( Account XXXX : XXXX ) : There is a dispute regarding the closure status of this account. 
DEPT OF EDUCATIONXXXX ( Account Number : XXXX ) : The reported balance is inaccurate. 
XXXX XXXX XXXX XXXX  ( Account Number : XXXX ) : There is a discrepancy in the reported account status. 
US DEPT OF EDXXXX ( Account Number : XXXX ) : Dispute concerning the closure status of this account. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : The reported date of opening is incorrect. 
XXXX XXXX XXXX  XXXX Account Number : XXXX ) : The reported account type is inaccurate. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : Incorrect closure date has been reported. 
I request a thorough investigation into these discrepancies and appropriate corrections to be made promptly. Enclosed, please find copies of documents supporting my dispute. In compliance with the Fair Credit Reporting Act, I anticipate a prompt and constructive response to this matter. 

Thank you for your immediate attention to these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Date : [ Insert Date ] Subject : Credit Report Dispute under 15 U.S. Code 1681 Dear Sir/Madam, I am reaching out to address inaccuracies in my credit report as per my rights under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ) . I have identified several discrepancies which I believe infringe upon my rights regarding the permissible purpose and accuracy of information. 

Disputed Accounts : XXXX  XXXX ( Account Number : XXXX ) : The reported balance and charge-off status are incorrect. 
XXXX ( Account XXXX : XXXX ) : There is a dispute regarding the closure status of this account. 
DEPT OF EDUCATIONXXXX ( Account Number : XXXX ) : The reported balance is inaccurate. 
XXXX XXXX XXXX XXXX ( Account Number : XXXX ) : There is a discrepancy in the reported account status. 
US DEPT OF EDXXXX ( Account Number : XXXX ) : Dispute concerning the closure status of this account. 
XXXX XXXX XXXX  ( Account Number : XXXX ) : The reported date of opening is incorrect. 
XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX ) : The reported account type is inaccurate. 
XXXX XXXX XXXX ( Account Number : XXXX ) : Incorrect closure date has been reported. 
I request a thorough investigation into these discrepancies and appropriate corrections to be made promptly. Enclosed, please find copies of documents supporting my dispute. In compliance with the Fair Credit Reporting Act, I anticipate a prompt and constructive response to this matter. 

Thank you for your immediate attention to these issues. 

Sincerely, 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