vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I went to pay my personal bill for my business account {$400.00} and they did not tell me the business account was closed so they have put a block on my personal account and it has been numerous days and I can not access any of of my money and they refuse to close my account to give me my money back and no one is updating on me why they lift the block I Verified my identity and went to the branches and explained the entire situation to them and they refused to release my money

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 2024-07-19 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX Re : CFPB- TransUnion Expedite Complaint : As per the guidance from the Consumer Financial Protection Bureau XXXX CFPB ), and a letter from an advocacy group helping me due to XXXX XXXX XXXXXXXX XXXX, which falls under XXXX  according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.412 ( b ) ( 7 ).

I have provided my photo ID along with the other required documents.

I kindly request that you block this information from my credit reports within 4 business days, pursuant to section 605C of The Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the law which I have provided all my documentation as well as victim determination letter according to 1002.142 ( b ) ( 6 ). 



I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be BLOCK AND DELETED COMPANY TRANSUNION LLC. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit 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 2024-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my XXXX score. 

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I received a bill from Comenity Capital Bank regarding my credit account for Dell Computers. The bill was for payment for my account ending in XXXX. Not aware of any balance on that account, I inquired with Comenity, who referred me to Dell customer support. I spoke to Dell customer support representative XXXX XXXX XX/XX/XXXX, she agreed to cancel the service subscription & reverse the charge of {$120.00} for the subscription made in XX/XX/XXXX, that the Comenity Capital Bank credit card were trying to collect for. XXXX sent me XXXX emails ( attached to this complaint ) to confirm our conversation while also speaking with her manager during our call to confirm the reversal of charges by her manager. Since that time Comenity Capital Bank claims they have no knowledge of the charge reversal and the charge made in XXXX was appropriate and is not fraud ( fraud request & closure letters from Comenity attached ). As such, Comenity continues to charge my account interest and penalties for not paying for a service that I did not request and was cancelled without ever being used. In addition, Comenity is now reporting to the credit bureaus that I have a delinquent account. I have spoken to many representatives from Comenity Capital Bank collectively totaling approximately XXXX hours on the phone with various people from the bank and can get nowhere ; they refer me back to Dell customer care insisting I have to resolve the matter with Dell ; Dell has addresses the issue as described above and refers me back to Comenity. I have repeatedly called Dell customer support several times after my calls to Comenity and they reconfirmed the subscription is cancelled, can not be reactivated, and that the charges should have been reversed as a result of the cancellation. Since that time I have pursued a resolution through the XXXX XXXX XXXX to no avail. Comenity responded to the XXXX complaint on XX/XX/XXXX, ( response letter attached ) indicating there is no evidence of a cancellation of the subscription and declined to reverse the charges, despite the fact that I provided them XXXX separate emails from Dell customer support confirming the subscription cancellation. So, my complaint in brief is that I was promised a reversal of charges for a service that I did not request, I no longer have, nor did I have accessthat service, but the creditor insists I owe them the money for it regardless. So, I'm being asked to pay for a service I never used, can't use, and was promised a reversal of charges for by the originator of the charges ( Dell Computers ). In the meantime, my credit score has taken a significant hit from Comenity reporting delinquent /late payment for this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: MA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: MA

Complaint narrative:
I am writing to express my deep concern and frustration regarding an error with my credit card report. All three major credit bureaus have incorrectly reported a significant issue on my credit card account, which has drastically hurt my credit scores. This mistake has caused me emotional distress, as I have always been diligent about managing my finances. I am worried about the impact this error is having on my ability to secure loans and other financial opportunities. I kindly request your immediate assistance in correcting this error to restore my credit score and bring peace of mind back into my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-07-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

Please delete the following accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
Per the FCRA, as a federally protected consumer, I am now OPTING OUT of any and all authorization I may have given you, whether WRITTEN, UNWRITTEN, VERBAL, or NON-VERBAL, as per federal privacy laws. THE PRIVACY ACT OF 1974 mandates criminal liability for willful and knowing violations, and it enforces the accuracy and fairness of credit reporting. IT IS ILLEGAL TO REPORT TRANSACTION HISTORY under these regulations. 

It is the policy of Congress that each financial institution must respect the privacy of its customers and protect the security and confidentiality of their non-public information. These institutions have an OBLIGATION with respect to the disclosure of personal information. The enforcement of these regulations is carried out by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons under their jurisdiction.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
I applied for a personal loan from One Main Financial. I was told that I was approved for {$3100.00} without putting up any collateral. I was told that I could get up to {$11000.00} with collateral like a vehicle. I told them I did not want to put up a vehicle so I would take the {$3100.00} that would not include using my vehicle as collateral. I provided the financial statements that was needed to verify income, and was given a closing date for my loan for XX/XX/year>. The closing was scheduled to be a virtual closing. However, when the representative called, they wanted my vehicle information as to the year make model and XXXX numbers for them. At this point, I told them I did not see why this was required since it was only a {$3100.00} loan that did not require collateral. I was told that it was not for collateral purposes they just wanted to have it on file. my concern is if the financial statements and the credit report showed that I was approved then why was it necessary to have this information concerning my vehicles. This requirement led me to believe that they would use my vehicles as collateral, and I did not want that so I declined the loan. I believe the company was deceptive with their business practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-19 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: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have numerous accounts in collections and I have no knowledge- this is fraud- does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I have numerous accounts in collections and I have no knowledge- this is fraud- does not belong to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/year> XXXX Applied for credit through Bank of America , N.A . I was denied. I'm writing to address a matter of significant concern regarding the recent adverse action taken on my credit account. I believe that there might have been a misunderstanding and I kindly request your attention to this issue for proper investigation and resolution. In accordance with 15 USC 1602 ( l ) the term " credit card '' is used to initiate a consumer credit transaction and the term credit card is defined as any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I as the card holder exercise my right in compliance with 15 USC 1602 ( n ) by using a credit card to initiate the transaction consequently it would be unjust for me to encounter denial for an action that I myself initiated 15 USC 1602 ( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.

I am well versed in the extension of credit in connection with loans outlined in 15 USC 1602 ( g ) as the original creditor I am fully aware of my rights, moreover, it's important to highlight that reporting to consumer reporting agencies is fundamentally a voluntary practice as per regulations set forth by the CFPB furthermore I emphasize that this transaction is of a private nature notably the term adverse action within the framework of the FCRA does not specify or address the denial of credit to a natural person as the original creditor it is unlawful to impede my ability to extend credit. 
The distress and harm I have gone through both mentally and to my own public image has been insurmountable. I hold my consumer report and financial affairs in the highest regard and in light of this I am well prepared to escalate this into a federal matter if my request is not addressed properly I am well aware of my open end credit plan and inherit right I possess to contract without the impediment of denial.

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 2024-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
This account has inaccurate reporting. The company has failed to properly investigate. These accounts do not belong to me. If not resolved, I will sue for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: FL

Complaint narrative:
I am formally disputing the presence of an unauthorized charge-off account in my consumer report. This account have been reported inaccurately and unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: JPMORGAN CHASE & CO.
State: DC

Complaint narrative:
In XX/XX/XXXX, Chase originated a XXXX mortgage for me. On XX/XX/XXXX, a Chase representative informed me of a 2 % rate cap on my variable rate mortgage. I received a copy of the mortgage note referencing this cap. See Appendix XXXX. 

On XX/XX/XXXX, I discussed refinancing options with JPMC representatives, who reaffirmed the rate cap 's existence and its impact on my monthly payments. See Appendix XXXX XXXX page XXXX. 

Around XX/XX/XXXX, I received a letter about the upcoming rate change. It made no mention of the cap. I contacted JPMC multiple times seeking written confirmation of the cap, and was told they would look into it. On one of these calls, the representative told me that I do not need to have it in writing because the contract clearly says there's a cap. 

On XX/XX/XXXX, I received a letter explaining the rate calculation. A JPMC representative informed me for the first time that the rate cap would not apply. On XX/XX/XXXX, the executive office confirmed this position. 

JPMC denied my requests for copies of previous call recordings, stating I would need to file a lawsuit and subpoena to obtain them. They maintained that I should not have relied on information from their representatives, even those who presented themselves as mortgage experts. 

The discrepancy between the information provided about the rate cap and JPMC 's current position has significant financial implications for my mortgage payments and property decisions. I believe that JPMC should be accountable for what its specialists inform their consumers about.

More broadly, I am concerned that JPMC has built processes that avoid written communications and deny consumers copies of verbal or chat conversations in an effort to absolve themselves of accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I applied for a XXXX XXXX XXXX application for my enrollment in the XXXX XXXXXXXX XXXX XXXXXXXX. My federal loans have been discharged due to the findings of the investigation by the Department of Education. 

The press release, the notification email the Department of Education sent to me along with my enrolment dates were submitted in the lengthy application. Navient informed me that I did not meet the qualifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-19 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: IN

Complaint narrative:
This account was charged off on the following date : XX/XX/2021. Since then, the account has been updated as a charge-off every month and has been paid and settled. A charge off account should NOT include an active payment history. This inaccurate information falsely manipulates the statues of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding deletion of the following account : XXXX : XXXX XXXX XXXXXXXX XXXX Account # : XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX  Account # : XXXX XXXX : XXXX XXXX XXXX XXXX  Account XXXX : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''

Company response to consumer: Closed with non-monetary relief