vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I believe my personal information was breached and I noticed an inquiry on my credit profile and asked Transunion to delete it but the inquiry is still on my credit profile. Please delete this fraudulent inquiry from my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
My account has been locked by Citibank for over a month. 
I was advised to go to a branch to get it settled but they have no branch locations. 

I call customer service and was told my account was under review and they have decided to close my account with in 60 days. 

I have written letters requesting that they not close my account as I have had an account with them since XXXX or so with no over drafts nor excessive usage. 

I have a checking account and Instant loan account which I also never use and a brokerage account. 

I also have my XXXX account attached to the account. 
I can not use my debit card which I don't use but I do use the XXXX. 
XXXX says I have to contact the bank to get them to release my phone and email before I can attach it to another bank. 
All of my XXXX  payments have been verified by the senders and no one has filed any complaints about sending me the funds. 

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
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
From XX/XX/XXXX through XX/XX/XXXX, I was a resident of XXXX XXXX XXXX Due to the pandemic. During this time in my absence somebody gained access to my personal information. Someone made Unauthorized transactions using my American Express credit card. I did not have access to my account in XXXX XXXX it does not work so there was no way I could make those transactions. I contacted the financial institution. to inform them of this situation. American Express customer service department told me that they would investigate and notify me once they had their outcome of the investigation. As of XXXX, the XXXX XXXX I have not received any e-mail or regular mail regarding this situation the account Remains Open as I pay down the balance. There has been no reversal of the fraudulent transactions. I sent in all my supporting documents. I would like for American Express to reverse the fraudulent transactions and place my account back in a positive status I think that would be the correct resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
There are 2 complaints for Ally Bank. 
COMPLAINT 1 On XX/XX/22 I mailed a deposit to Ally. This is a normal monthly occurrence. On XX/XX/22 I received a call from Ally asking me for sensitive account information as there was a problem with the account. ( This is the basis for the 2nd complaint described below ). 

I refused to give the requested info and then called Ally on their XXXX number. 

The problem is Ally could not read the account number on the check I had mailed them and could not deposit it into my account. On a conversation on XX/XX/22 I read the Ally rep the account number. I was assured this would clear up the problem. 

As of XX/XX/22, at the time of this complaint filing, the check has not been deposited to my account and there has been no communication from Ally as to its status. 

I need the check deposited or returned to me. 

COMPLAINT 2 This complaint deals with the method in which Ally contacted me. The initial call from Ally ( XX/XX/22 ) sounded like a " phishing '' call. The rep said there was a problem with my a/c but I would have to provide sensitive info to identify myself. That is always a warning. 

Later that day Ally sent me an email to my XXXX account asking me to contact them. 

When you call Ally there are inordinate wait times to reach a representative. On XX/XX/22 I called at XXXX and had a wait time of XXXX minutes before getting disconnected. I call again later and had a wait time of XXXX hr and XXXX minutes. This was the call that I was told the matter would be cleared up. 

Ally has a secure web site with a " chat '' button. When clicking it over numerous days it did not work. 

Also on the Ally website there is a " secure message '' feature. I used that secure message feature and have sent Ally 3 messages ( XXXX, XXXX, and XXXX ) regarding this matter. Notwithstanding there website claim of responding to these messages within XXXX days, I have yet to be contacted by Ally on this matter. 

In summary, Ally engages in a dangerous " phishing call '' making people feel confident in giving sensitive account info on a phone line to a stranger. Ally has available a secured messaging system to do the same thing but does not initiate contact with the customer using this method nor do they reply to customers that use it. Ally does not allow users to converse via secure chat even though they have a chat button on their website. Ally does not provide a fast and secure method that allow customers to communicate with the bank for problems such as these.

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
In XX/XX/2022 I mail a rent check from my XXXX checking account, the check was stolen, altered and subsequently cashed at XXXX  XXXX XXXX. I received notice that my landlord did not receive my check and when I checked my account it was very clear the check had been altered. I immediately contacted my bank and the post office and created a claim with both. Chase was very difficult to deal with as after numerous attempts by myself, my branch including the branch XXXX and assistant XXXX they informed me they finally had received all the documentation they needed, this process took over 6 months. 
After that Chase now submitted their request for the funds to be returned and then had to submit them 3 times before Chase would confirm to me that XXXX  XXXX XXXX had the documents but also said they could come back for more information. This process is so complicated for something as a consumer I have had to take on by myself, Chase basically said all they could do was ask Bank XXXX XXXX for the funds to be returned but no guarantee that could happen, so if they say no I loose my money. Chase and XXXX  XXXX XXXX are FDIC insured bank and with that and the obvious altered check I should not have to go they this crazy process because the reality is the check should never have been cashed to begin with and then once Chase received the check they should have kicked it back to XXXX  XXXX XXXX immediately and returned the funds to my account. 
I have several accounts with Chase and I feel Chase basically told newtoo bad!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently submitted a dispute with you on XX/XX/XXXX for a fraudulent inaccurate account on my report. XXXX a/c XXXX XXXX. 
on top of being fraudulent and opened with identity theft Experian is reporting inaccurate information only report. but experian responded to my complaint saying that account is verified. 

XXXX a/c XXXX XXXX on XX/XX/XXXX it is reporting as 30 days late, and on XX/XX/XXXX experian is reporting I was 60 days late, on XX/XX/XXXX experian is reporting 90 days late, on XX/XX/XXXX experian is reporting 120 days late, and on XX/XX/XXXX experian is reporting 120 days late again. how could I be 120 days late 2 months in a row that is an obvious inaccuracy. how can experian verify an account with obvious inaccuracies. that mean experian is verifying inaccurate information that is violating my rights. 

you are violating 15 U.S. Code 1692c ( c ) of FCRA with this reporting inaccurate information also Experian are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account is identity theft and fraud, since I notified Experian that something is on my report from identity theft and I did not consent to this account you must remove and block 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 explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GreenSky, LLC
State: TN

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Capital America has failed to review the affidavits and identity theft reports ive sent them on numerous occasions. Ive also sent a letter of debtt verifcation and they have YET to give me the information ive requested under the consumer laws. 

I will be requesting {$1000.00} per violation and seeking pain and suffering damages for them slandering my name with identity theft and already have been paid with this loan on multiple charge offs XXXXXXXX XXXX XXXX 

Ive had to take a bad credit auto loan because of this paying 29 % interest rates. I will be seeking damages in full soon if this is not resolved, investigated and deleted from my consumer report. 

Ive also requested the send me the disclosures in this contract I allegedly signed along with a validation of debt. 


SEE ATTACHMENT OF NOTARIZED IDENTITY THEFT IVE SENT TO XXXX ALONG WITH VALIDATION OF DEBT REQUEST SINCE THEY ARE NOT FULFILLING THEIR DUTY

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 2022-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Round Up Ventures, L.P.
State: TX

Complaint narrative:
This is bothering me weekly over payment when I am paying them. Phone calls every week. There to the credit bureaus as being late when that is a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran five times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to Toyota financial multiple times so their lawyer reached out to me from XXXX XXXX XXXX in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CLGF Holdco 1, LLC
State: SC

Complaint narrative:
Indigo credit card ... I have explain to this collection agency that I am not working due to my sickness ..but they keep calling me all type of hours..I had calls come in early as XXXX to XXXX ... then when I do answer they ask for my name.and when I say this is him..I am not working they just don't say nothing.they just hang up on me..then call back in two more hours and do the same thing.i am so stressed from this people keep calling me..when I see that area code XXXX keep calling my phone I just want to jump of a roof..from this stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, has violated my rights. 

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
Equafax has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX XXXX in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX  XXXX  in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In XX/XX/2021 I went to XXXX XXXX dealership in XXXX to lease a vehicle during that time my credit was ran XXXX times by the same bank I kept bringing it to that dealership. I called multiple times letting them know that I am refinancing my house and I needed a letter explanation why my credit ran multiple times by the same bank so they called the cops saying I am harassing them when the dealership messed up. I also tried to reach out to XXXX XXXX  multiple times so their lawyer reached out to me from XXXX XXXX  XXXX  in XXXX Florida the attorney told me that everything would be removed in 60 days if drop the court case. It is almost two years and my credit inquiries are still not removed like promised.

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 2022-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been victim of XXXX scam ad XX/XX/XXXX all XXXX transactions are unauthorized as of XX/XX/XXXX on recorded I was told after submitting affidavits I will get my money back please help 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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. nothing happened, they stated was verified but could not send me any information on who verified or anything. 

I have sent 3 letters, the last has been attached

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. nothing happened, they stated was verified but could not send me any information on who verified or anything. 

I have sent 3 letters, the last has been attached

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 2022-11-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XXXX has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.

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