vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I demand a cease and desist of all illegal activity pursuant to 15 USC 1692c ( c ) your cooperation is in clear violation of the FDCPA as well as my rights as a consumer under the Consumer Protection Act of 1962 they have not only used illegal communication tactics by illegally furnishing my information without permissible purpose but have also used mediums of communications that are unlawful such as the reporting of an alleged debt that they have never properly validated or verified in pursuant to 15 USC 1692G ( c ) The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.

if this debt is not handled and removed from my report I will have no other option but to file a claim as stated through the consumer credit agreement any inaccuracy, deceptive, or unfair debt collection practices will be handled through arbitration. I am giving your company the chance to fix this before taking those steps and measures but I will if needed as it is very clear in the agreement we have which was not clearly nor conspicuously disclosed to me, I'm going to include the arbitration agreement we have

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
My car was repossessed on XXXX by Ally Bank. After my car payment was fully paid, I made an appointment to pick it up on XXXX at XXXX XXXX  yard. When I went to pick up my vehicle on XXXX there was extensive exterior, interior, and motor damage to vehicle. My vehicle had zero damage when leaving my home .That same day I called between XXXX XXXX XXXX and filed the complaint. Two days later, we left for our wedding, having no contact with the bank for XXXX XXXX XXXX When I reached out to them on XXXX the bank explained the case was in the system but was never filed, so the claim was re-filed that day. I have been constantly calling the bank attempting to get answers with no verbal response from anyone. The initial investigating company explained Video footage from my home security camera, and footage from the initial towing company and initial holding yard show no damage done to vehicle, which entails that the damage was done by the second towing company or the auction yard itself. The tow truck driver who transported my car from the yard in XXXX, NH to XXXX in XXXX called me to explain that the keys were locked in the vehicle and he called for roadside assistance to open up the vehicle ( which caused damage ). I had the spare key at my house and either could've driven it down or had XXXX reset the car so they could get in. Then when the tow truck driver gained access to the inside of the vehicle, the key automatically deleted, so the car would not start. The driver explained to me that he was unable to take the car off of the truck and was going to have to wait until tomorrow. Then the driver called me back and explained he got the vehicle off of the truck and it is all set. The auction yard explained the car had not moved from the spot that it was dropped off, explaining they could not have caused the damage. My car currently has {$13000.00} in damage, interior, exterior, and motor damage. I have now relayed this to the bank multiple times and they have been very careless with the information, asking to resend the information and pictures. The bank currently is not contacting me appropriately. I have not received a rental vehicle, 2 months and 18 days after the initial claim was filed. I have requested for the worker handling my claim to contact me via phone, as well as requested a manager to contact me 6 weeks ago, and I still have yet to receive any sort of phone contact.

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 2024-05-24 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: GA

Complaint narrative:
I contacted Experian Ive sent over ten letters explaining these accounts arent mines and they keep giving me the run around. 

XXXX XXXX {$5400.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX. XXXX. {$1700.00} XXXX XXXX. XXXX {$240.00}

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 2024-05-24 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: AZ

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
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 explanation
Consumer complaint received 2024-05-24 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: GA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
After this conpany stated that my investigation had been completed ; I sent a letter asking them to reinvestigate these accounts listed below WELLS FARGO XXXX This account is not accurate as I have never been known as XXXX XXXX XXXX. This information is false and not accurate. They have not responded to my letter within 30 to 35 days and my tracking number for this letter sent XX/XX/2024. This company has not responded to my letter within 30 to 35 days and my tracking number for this letter is XXXX. Please look into this matter. According to 15 USC 1681i 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information. A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete, or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer. 

In addition to this : I was also going through Financial Hardship and had monthly payments deferred by creditor. As per the UCC Code of California Law I as a debtor and consumer are to receive a notice that my car would be repossessed via mail in which I was not notified, this being a violation of my consumer rights according to UCC Code of Law. I was not given any redemption requirements by the creditor in writing nor Notice of Intent Requirements. This is a violation of my UCC Code Consumer Rights. I also did not receive a Deficiency Notice. The creditor did not follow the process in which must be upheld as per the Law. Due to the violations ; Accuracy of information on credit report can not be verified as complete and accurate and have breached my consumer rights.

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 2024-05-24 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: IL

Complaint narrative:
I am troubled by the presence of public records on my credit report that I was previously unaware of. It is imperative that you rectify this issue promptly and remove these records from my 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 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/XXXX, I attempted to use my AMEX on an international purchase for reservations abroad for roughly $ XXXX. My balance at the time was paid in full in prior months and I had an outstanding balance of around $ XXXX from prior usage. 

This card was tied to a transferred account from my mother, who passed away in XXXX XXXX ( see attached death certificate ). The timing of the transfer occurred in XXXX timeframe as her estate was being settled. 

Upon attempting to make my reservations online, I received an on-line " XXXX XXXX '' notice requesting a verification code for input. However, the verification code was being sent to my deceased mother 's old cell phone. I called Amex to inform them of their error, they acknowledged that they had all of my personal information, including my current cell phone, but security purposes, could only send the verification code to my deceased mother 's old cell phone number. And, they would continue doing this for 90 days following the date of transfer " for security purposes. '' At no time did Amex disclose to me that as a condition of accepting the transfer of my mother 's account and that I would need to also carry her cell phone for 90 days in order to fulfill a XXXX XXXX verification process. 

Additionally, at the time of attempting the transaction, I was on the phone with their customer service representative, who was able to validate my identity in real-time and directly. And, could see that I was trying to make the transaction. I had all of the requisite personal information and credit capacity under the XXXX XXXX XXXX XXXX to make a transaction, yet AMEX was unable to fulfill on their promise. 

As a result of inadequate operational/security controls, the card is rendered at best unreliable ( when would XXXX XXXX be triggered vs. not triggered since I used the card at other times ) and in this particular case, unusable. And, as a result of inadequate notice, a credit-worthy customer with track-record of timely repayment ( I had just repaid @ $ XXXX the day prior ) was unable to access credit. 

In the context of this situation, Amex 's " security '' process requires a deceased individual 's cell phone service to remain active with additional costs to the estate to be incurred. And finally, the process is painful for the new accountholder, as it would require the new accountholder to carry around their deceased mother 's cell phone on the off-chance they may need it to authenticate a future credit card transaction. This is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
YOU ARE VIOLATING MY FCRA & FDCPA CONSUMER RIGHTS. The federal law under the FCRA states that in order to disclose my personal information you have to have my written consent making you liable for any remedy under the 15 U.S Code 1681n ( a ) ( 1 ) ( A ) Civil Liability section. After reviewing my consumer report it has come to my attention that your office have again violated my privacy. 15 USC 1681 ( a ) ( 4 ).

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 2024-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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 non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
On XX/XX/year> while I was working in XXXX, XXXX with my Money Network XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX card on person. Someone, criminal was making XXXX, separate cash Withdrawals of {$300.00} from an ATM at a XXXX XXXX XXXX XXXX, XXXX  at approximately XXXX XXXX while I was working in XXXX, XXXX with my card in my possession. Later, that same day at approximately XXXX XXXX  at a local XXXX I made a purchase and an attempt for cash with said card when I was alerted of decline. I immediately, called Money Network and informed them of said situation. You can not lock the card, their website seems always to be under maintenance and you never speak directly to Dispute Dept. XXXX I have been denied dispute based on grounds I gave someone my pin #. I have wrote a letter of Appeal stating the Denial is baseless Since I always had & still have my card in my possession. I also filed complaint with XXXX via the XXXX Police XXXX. Please help! Thank you!!

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 2024-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

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 non-monetary relief
Consumer complaint received 2024-05-24 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: AZ

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 2024-05-24 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: OH

Complaint narrative:
This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 

Also, they aren't even in compliance with XXXX XXXX credit reporting. 

LIST OF ACCOUNTS BEING CHALLENGED ; XXXX XXXX XXXX XXXX {$680.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX - XXXX {$260.00} XXXX - XXXX {$400.00} XXXX XXXX  XXXX {$400.00} XXXX XXXX XXXX {$2000.00} XXXX  - XXXX XXXX - XXXX {$660.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I have a XXXX XXXX card that partners with AMEX. I earned a {$100.00}. voucher to be applied to a XXXX ticket at a later date. I purchased a XXXX XXXX plane ticket on XX/XX/year>. I paid for it in miles and cash ( {$500.00}. ) The transaction would not allow me to use the voucher. I contacted XXXX and they told me that they have no recourse, it is an AMEX problem. I contacted AMEX and they blamed XXXX. This is not right. What is the point in earning perks on this credit card, that I pay a large fee for, if I can't use them? The XXXX rep I spoke to referenced a software issue that won't allow for it. AMEX blamed them. I am a senior citizen on a fixed income. {$100.00}. is a lot of money to me and I saved it for this ticket. The voucher ( ecredit ) expires tomorrow and they never gave me any other options. Again, this is not the way to treat customers. These rewards cards take advantage of consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX, I received an email from Coinbase that a transaction occurred on my Coinbase account. This transaction was not initiated by me and was an unauthorized/fraudulent transaction from my Coinbase account in the amount of {$3100.00}. I immediately called Coinbase to report and stop the transact as their email stated that the transaction would be completed by XX/XX/XXXX. The withdrawal was to an account that wasn't mine. I've been with Coinbase for 4 years and have never changed the bank account associated with by Coinbase account. Coinbase escalated my complaint and gave me case XXXX XXXXXXXX. Between XX/XX/XXXX and XX/XX/XXXX I called Coinbase support numerous times and sent emails. Finally on XX/XX/XXXX I heard from Coinbase support asking many questions which I answered honestly. On XX/XX/XXXX, I received and an email which looked exactly like the ones Coinbase uses notifying me that the email associated with my Coinbase account had been changed and if this wasn't me to immediately secure my account. I did click on the link ( my mistake ) and quickly realized that this was a phishing attempt. I received similar email attempts over the next 2 days which I did not click on any links. I assumed that the attempted hack was thwarted and I was okay. Coinbase support responded saying that on XX/XX/XXXX at XXXXXXXX XXXX that my account was accessed from the XXXX address XXXX ( XXXX XXXX ) and changes were made to accessing my account. My complaint is that Coinbase refuses to acknowledge that they failed to notify me that my account was accessed from a new device/IP address. Coinbase support is hiding behind their User Agreement which specifically states that users are responsible for the security of their devices. On XX/XX/XXXX, Coinbase has ended any communication with me stating they consider my complaint closed, this email was after I wanted to know why Coinbase didn't notify me when my account was accessed from a new device/IP address. Further, I am not being told that the Coinbase app, which I've used for 4 years, isn't as secure as using a browser to access my Coinbase account. Would have liked to have that information before the fraudulent activity on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-24 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:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.

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