vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The following complaint was submitted to Ally Bank approximately XX/XX/XXXX ; Having spoken to your agents on XX/XX/XXXX and circa 2 weeks ago, I was assured that Ally ( Agent, XXXX ) would remit to me missed interest checks ( approx. {$630.00} ) for XXXX and XX/XX/XXXX. This has not happened ; all I get is the run around. 
Should I not receive a XXXX  XXXX check this week, I will be banking elsewhere with my 4 CD accounts. 

On XX/XX/XXXX, Ally Bank responded that it needed 1-2 days to process my complaint ( Ref. # XXXX ). Ally has not respondent notwithstanding my request to have a manager call me.

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 2024-04-13 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: CCS Financial Services, Inc.
State: NY

Complaint narrative:
In late XXXX, Credit Collection Services ( CCS ) added a negative mark to my credit report. I'm concerned about the potential impact on my credit score. I contacted CCS to request the removal of this mark, as I believe it was placed incorrectly.

According to the standard procedure, CCS should have provided an explanation of the services XXXX, their client, provided and the timeline for when these services were performed. I sent XXXX emails to CCS requesting this information but did not received a response.

I have reason to believe that I did not owe the debt to XXXX, as they had previously dropped me as a client and I had obtained coverage from XXXX XXXX instead. Furthermore, CCS claims that they attempted to contact me XXXX times but can not provide any records of these calls. 

Given that CCS did not follow the proper protocol, I am requesting that they remove the negative mark from my credit report. Attached are a copy of my ID and the emails I sent to CCS.

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
Unauthorized transaction happened through XXXX and other forms of payment. I disputed other transactions that happened the same day and time. One after another and this one was denied due to someone receiving a product. Card got lost or stolen as well and have not been able to purchase anything in this card since the incident happened. I thought I lost the card in the house but it isn't here after looking for months. I never made this purchase or received any product. Please help. This was not me.

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 2024-04-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: IL

Complaint narrative:
Did not provide proof of a contract or transaction between the Procollect, LLC and XXXX XXXX. 
Operating as a Collection Agency without a State License.

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 2024-04-13 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: CA

Complaint narrative:
FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) requires that if a credit reporting agency ( CRA ) reinserts previously deleted information on your credit report based on information provided by a furnisher of the information ( such as a creditor ), they must notify you promptly, within five business days, of the reinsertion. The notice was never sent or the documents I have not been notified. Or the documents have not been sent on Name address and phone number of the Furnisher who provided the information.

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 2024-04-13 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: CA

Complaint narrative:
FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) requires that if a credit reporting agency ( CRA ) XXXX previously deleted information on your credit report based on information provided by a furnisher of the information ( such as a creditor ), they must notify you promptly, within XXXX business days, of the reinsertion. The notice was never sent or the documents I have not been notified. Or the documents have not been sent on Name address and phone number of the XXXX who provided the information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 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: IL

Complaint narrative:
I have had multiple interaction within this company in the month. The first one being that after repeating information more than once still Managed to be heard incorrectly. All the people you speak too are misinformed and not educated Today I had an issue adding my XXXX XXXX onto my account because they closed my card and sent a new one. Since I obviously dont have my new one I tried to add my card to XXXX XXXX but it says to contact the issuer. 

With all this information being. I spoke to 3 different people who have all given different information. One person says its on my XXXX XXXX. Which then prompted me to take screenshots and the next supervisor said I had to wait for my new card which is wrong. I have done this before. 

This is a normal for this company and I am sick of it. Different continents handle things different and if thats the case keep us with our own region. 

I expect this to be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: NC

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 : DPT EDXXXX 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 2024-04-14 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: Experian Information Solutions Inc.
State: NC

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 : DPT EDXXXX 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 explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: TN

Complaint narrative:
Well apparently one late fee is {$30.00} and then the second one I got was XXXX this is only my second payment to the company they also said my first payment was returned as nsf but that wasnt the case my back flagged it and rejected it. No problem and I fixed it.. then boom hit with a annual fee the {$75.00} and..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: 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 Account Number : XXXX Account Name : XXXX  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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My CapitalOne account suddenly closed and they didnt tell me the reason. Customer service said they would send my money to my account address as a check, but nothing has arrived for XXXX months. 

I called customer service again and asked when the check would arrive, they told me there was no time limit. 

When I asked them how there was no time limit, that is, could it be that the check did not arrive even after XXXX years, they said yes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CA

Complaint narrative:
XXXX XXXX  is reporting an account on my credit file despite receiving a letter from me requesting the removal of the account and providing documentation several times. The account is fraudulent, and they have not removed it as requested. They continue to report incorrect information regarding the account balance. This violates my rights, and I am concerned about the impact on my credit score.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THE COMPANY DID NOT PROVIDE THE DEMANDED DOCUMENTS. I WAS ALSO SENT AN illegal FORM FROM THE SAID CREDIT AGENCY STATING THEY did not have to provide the verification documents showing that the furnishers did in fact provide and would be obligated to according to the F.C.R.A

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a formal request for removal of mistaken public information recorded on my credit report. I contacted Transunion, to reinvestigate this account I have previously disputed XXXX  XXXX Bankruptcy : Bankruptcy Ref # XXXX with you, and in response, you verified the item as accurate, But how is that possible if this was investigated by XXXX and XXXX and resulted in the same conclusion, a removal from my credit file. I have enclosed a deletion notice from XXXX. I notified TransUnion twice but TransUnion refused to fix and instead just " parroted '' back what the company said.

Under 1681e ( b ) maximum possible accuracy and section 1681i- which this was a lousy investigation.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX has reported 5 of those federal student loans as being 90 and 120 days past due for XXXX and XXXX of 2018. There was ND ( no data ) for years and all of a sudden XXXX started reporting late payments to my credit file. How can I be 90 and 120 days past due when all prior months before 2018 has a check mark? My student loans are now with another servicer. XXXX XXXX has explicitly violated the FCRA with these inaccuracies and the processing department are not being truthful.

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 2024-04-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) requires that if a credit reporting agency ( CRA ) reinserts previously deleted information on your credit report based on information provided by a furnisher of the information ( such as a creditor ), they must notify you promptly, within five business days, of the reinsertion. The notice was never sent or the documents I have not been notified. Or the documents have not been sent on Name address and phone number of the Furnisher who provided the information.

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 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: LA

Complaint narrative:
Ed-Financial has reported 5 of those federal student loans as being 90 and 120 days past due for XXXX and XXXX of 2018. There was ND ( no data ) for years and all of a sudden Ed-Financial started reporting late payments to my credit file. How can I be 90 and 120 days past due when all prior months before 2018 has a check mark? My student loans are now with another servicer. Ed- Financial has explicitly violated the FCRA with these inaccuracies and the processing department are not being truthful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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 said creit reporting agency NEVER provided the legal documents that should be on file FRM EACH FURNISHER WHO REPORTWED ON MY CRDIT PROFILE AS WELL AS EASCH FURNISHER WHO PULLED MY CREDIT RESULTNG IN A HARD INQUIRY ON MY CREDOT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: CA

Complaint narrative:
XXXX XXXX  is reporting an account on my credit file despite receiving a letter from me requesting the removal of the account and providing documentation several times. The account is fraudulent, and they have not removed it as requested. They continue to report incorrect information regarding the account balance. This violates my rights, and I am concerned about the impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I am writing to file this complaint because on XX/XX/2024, I mailed a notice of dispute to BRIDGECREST in regard of inaccurate account info being reported on my consumer report and credit report. I requested a reinvestigation regarding inaccurate account information and because the account is reflected as incomplete do to missing payments not being reported. The company wrote and sent me a letter back denying my request to dispute until I provided them an updated address. As of 2 days ago I provided them an updated address and now I want to actually begin the dispute regarding the misinformation being reported on my consumer reports. I want this company to investigate the accuracy of the information they furnished in my reports, and I will also send notice to the consumer reporting agencies to reinvestigate the issues as well per 15 USC 1681i and Furnisher Rule 660.4 ( e ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-13 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: FL

Complaint narrative:
XX/XX/XXXX i was never late on my account XXXX XXXX XXXX  ( XXXX ) on ( 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 non-monetary relief
Consumer complaint received 2024-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently received my Social Security number and tried to update my information with my bank and all three credit bureaus. For some reason, my information was inaccurate on my report. There was a hard inquiry prior to me receiving my SSN. Also, I informed them that I never applied or inquired about any credit. If there is a hard inquiry, then that was performed without my acknowledgment, so I informed the banks about this. There was a discrepancy, which I went ahead and resolved. However, despite my efforts, it's been about three weeks. I've been calling them, submitted all the documents, and fixed all the information with all of the credit bureaus, but Experian still doesn't work. Each time I call them, they keep lying to me, saying that they never received the information or that they never got this or that. I've sent it four to five times already, and they refuse to do it. Because of this, most of the applications I'm trying to process are frozen with them. They're not even resolving the issue or giving me a resolution, not even a time or date for anything. Every time I call, they tell me to wait a week.

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