vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANKMOBILE TECHNOLOGIES, INC
State: TX

Complaint narrative:
XXXX XXXX ( operated by XXXX XXXX XXXX closed my checking account without prior notice on XX/XX/year>. They will not tell me why. I have been told that a check with the closing balance of {$9900.00} was mailed on XX/XX/XXXX or XX/XX/XXXX. I have been given both dates by bank representatives. I was told it would arrive in 5-7 business days. Accounting for the XXXX XXXX holiday, today is day XXXX if it was mailed on XX/XX/XXXX. I have called multiple times to get more information on the whereabouts of the check and to ask to have the check overnighted to the address on file ( I even told them I would pay for the shipping costs ). Each time I am told to " wait another day or two '' or that they can issue a new check after a " 1-2 business day review to see if the check has been cashed '' but that it will take " another 5-7 business days '' for a new check to arrive. I am not interested in going through this process again. I am traveling abroad and this checking account is the only access to funds that I have. To say this has been an inconvenience is a gross understatement. I have begun to question if the check was ever mailed at all. Given that the amount of the check is a significant amount of money I feel I should be offered a better option to receive it. I would like to be able to track the envelope and, at this point, want the check overnighted to me. I have attached a screenshot to show that I have reached out to the bank multiple times to get this resolved. 

In addition to the account closure, I disputed two transactions that I made on the beach in XXXX on XX/XX/year> ( posted XX/XX/year> ) that resulted in be being charged {$280.00} and {$960.00}. These transactions were for XXXX drinks from a roaming beach vendor. The bank denied these disputes and I requested a report showing what steps were taken to come to this conclusion as well as proof that I authorized the transactions. I never received this information. All I received was the original message that the claim had been denied. That message said that the merchant was contacted by phone and provided proof that I authorized this transaction. I want to know what that proof is because in XXXX all XXXX debit cards are ran as " XXXX '' so no pin is required. I also did not sign any receipt for this purchase. Since the purchase was made from a beach vendor without a storefront ( that I know of ) I am very curious how the bank contacted this person and what proof was given to show these amounts are correct.

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 2024-05-31 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked.I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : LATE PAYMENT VEROS CREDIT XXXX XX/XX/year> XX/XX/year> CLOSE ACCOUNT XXXX  XXXX XXXX XXXX {$630.00} As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN, XXXX, XXXX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2024-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am writing to file a formal complaint against ALLY FINANCIAL, a collection agency, for multiple violations of my consumer rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau 's ( CFPB ) regulations. 
ALLY FINANCIAL, with contact information at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone number, XXXX, has failed to provide validation information as required by XXXX CFR 1006.34 ( b ) ( 5 ) while reporting a collection account on my consumer report. This action directly violates my rights under the FDCPA and CFPB regulations.

Furthermore, I have not been given the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). This failure to provide a fair and transparent dispute process is a clear violation of my consumer rights.

In addition, I believe that ALLY FINANCIAL has engaged in false, misleading, and deceptive practices in their collection efforts, further violating my rights under the FDCPA. Their actions are in direct contravention of 15 USC 1681s-2 ( 7 ) ( A ) and 12 CFR 1006.34 ( d ), which prohibit the furnishing of information to consumer reporting agencies without the required disclosures.

I kindly request that the CFPB investigate these violations and take appropriate action against ALLY FINANCIAL to ensure that my consumer rights are protected. I also urge the CFPB to take all necessary measures to hold ALLY FINANCIAL accountable for their unlawful conduct.

Enclosed with this letter are copies of relevant documents supporting my complaint. I appreciate your prompt attention to this matter and look forward to a resolution that upholds the laws designed to protect consumers.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I wish to underscore that the inclusion of inaccurately reported late payment remarks on my accounts not only raises significant concerns but also represents a blatant violation of the regulations delineated in the 15 USC 1666. This statute, an integral component of the Fair Credit Billing Act, specifically aims to safeguard consumers against unjust billing practices and mandates the accurate reporting of payment histories. Each payment associated with these accounts has been diligently and promptly rendered within the specified timeframes. Therefore, any deviation from this precise reporting not only undermines my financial integrity but also contravenes the legal protections enshrined within this statute. It is imperative to promptly rectify this situation to ensure compliance with the law and uphold the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NJ

Complaint narrative:
I've learned that the creditor didn't provide the necessary 21-day notice along with a statement, which would have given me enough time to process payments and avoid late fees on these accounts. This mistake has caused a misrepresentation of the payment status, indicating a billing error by the creditor.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Prosper Marketplace, Inc.
State: CA

Complaint narrative:
I paid off my Prosper credit card account 3 months ago. XXXX continues to report this account with a full balance of over {$1600.00}. I have disputed this information XXXX with XXXX and they continue to leave the report as is. I am not understanding why XXXX can not report accurate information. Again, this account was paid off 3 months ago : there is no reason why XXXX can not update the account information on my credit report. I am trying to obtain a home loan, and XXXX is preventing me from doing that. What will it take for XXXX to update this report and provide accurate information. This is my second incident with XXXX in just under a month. If they can not update my account as they should, then I will need to seek legal representation. This is rediculous. They are in the business to report accurate information, and if they can't do that, then why are they in the business. It's strange that when someone uses their credit card for a purchase, XXXX and other reporting agencies, quickly react and send an alert and subsequently lower your credit score. On the other hand, when someone pays off their credit cards ( which is a more positive thing ), it takes months and months for the credit reporting agency to reflect the payment. What is wrong with this picture?

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 2024-05-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/XXXX, XXXXI received the bank letter, which is Chase and XXXX XXXX.It says that I got an identity theft, mentioned that some one may be using my personal information fraudulently and declined an application because of this.So, I want to know whats the reason that I have this kind of problem, and what should I do with this.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NH

Complaint narrative:
In the first week of XXXX, I opened up a Venmo account for my business, and I allowed customers to pay for their services through the app. On XX/XX/XXXX a customer added a dollar just to confirm that the Venmo was active and that went through so I assumed that it would be OK. On XXXX XXXX I had another customer pay For services rendered, {$700.00} that day I tried to add my bank account to their system, and it wouldnt allow the bank to upload. I tried multiple times I gave all my personal information for my company along with my personal information card information for verification. I called Venmo the following day trying to figure out if there was a way that we can add to the system bank information manually so that I can get the account unlocked because at that point they had locked my account. This went on for a couple days, still nothing resolved and continuing to go back-and-forth with them. I had already given my next two clients my Venmo info so that they can forward me payments for services that were going to happen on XX/XX/year> {$990.00} and XXXX {$75.00} The clients paid for their services those XXXX days and I could see that the money physically came into the account, but Im still not physically able to take the money out, while talking to Venmo after that, tell me that I needed to give proof of ownership and bank account. I supplied them with Bank statements, Member IDs proof of ownership of the business, certified letter from the, and they still wouldnt add the bank account to, the Venmo account because they say that there was suspicious activity going on in the account. Im still going back-and-forth with them till this day. It is now XX/XX/XXXX of 2024 so just about a month. Their customer service refuses to help they tell you to contact accounting. Their accounting has no phone number and sends a bot response message every time you email that refuses to provide service and tells you your cut off dont reply we wont answer you! Theres no resolution theres no communication and all I want is to be able to access the money so that I can take care of bills and everyday operations with my business. I wouldnt be so concerned about the money but its over {$1700.00}. Thats like a mortgage payment! Im not the only person that this is happened to when I visited my bank for my letter of ownership of the account, I was informed that there was a guy in there just the same week asking them to try and help them to show proof that they were owner of their bank account so that then will release their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: CO

Complaint narrative:
The conspicuous lack of concrete evidence substantiating its reliability, coupled with the circulation of unverified information, constitutes a flagrant violation of the statutory provisions outlined in 15 USC 1681i ( 7 ). Such regulatory non-compliance is not merely disconcerting but also vexing, considering the paramount importance of adherence to legal mandates. Consequently, I emphatically endorse the prompt deletion of this account in alignment with the stipulated regulations, unless credible evidence is promptly furnished to XXXX  its authenticity. The failure to promptly rectify this matter further compounds the exasperation stemming from the disregard for legal protocols.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you " verified '' that these items are being " reported correctly ''?

Who verified these accounts??????

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to '' ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand the following accounts be verified or deleted immediately. 


XXXX XXXX : Account number : XXXX, This accounts name and number are questionable. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX : Account number : XXXX, This accounts name and number are questionable. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX XXXX : Account number : XXXX, This accounts name and number are questionable. I want it removed from my credit report IMMEDIATELY! 

XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX  ) : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

Sincerely, XXXX 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 non-monetary relief
Consumer complaint received 2024-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SOFI TECHNOLOGIES, INC.
State: TX

Complaint narrative:
I think they trying to close my account but I owe them money but I can't sign in to my banking to pay or add money to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-31 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-31 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2024-05-31 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I have reached out on multiple occasions since 2021 requesting that the credit reporting agency remove the bankruptcy listed due to it containing inaccurate information. I have requested a validation of this information as well as the source of the information. I have yet to get a valid response from the agency and no source of the data. I reached out to my local bankruptcy court, and they reported that they did not provide this information the credit agency and I reached out to XXXX and XXXX who willing removed the inaccurate information from their system and data management database back in 2021. See attached documents. 

1 ) Bankruptcy : Reporting a filing date of XXXX is inaccurate information. Please delete this account

Company response to consumer: Closed with explanation