vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Veros Credit, LLC
State: CA

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXX XXXX DC XXXX To Whom It May Concern : I am writing to complain about the illegal repo, improper reporting of credit, and other violations of the law that I have experienced at the hands of [ name of finance company ]. 

On [ date ], my car was illegally repossessed by [ name of finance company ]. I had made all of my payments on time and in full, and I had not violated any terms of my loan agreement. I contacted [ name of finance company ] to inquire about the repo, and I was told that it was because I had missed a payment. However, I had not missed any payments. 

I disputed the repo with [ name of finance company ], but they refused to return my car. I then filed a complaint with the Consumer Financial Protection Bureau ( CFPB ). The CFPB investigated my complaint and found that Vero Credit had violated the law by illegally repossessing my car. 

In addition to the illegal repo, Vero has also improperly reported my credit. They have reported that I have made late payments on my loan, when in fact I have made all of my payments on time and in full. This inaccurate reporting has damaged my credit score and made it difficult for me to obtain loans and other forms of credit. 

I am also concerned about the predatory lending practices that Vero has used. They have charged me high interest rates and fees, and they have made it difficult for me to understand the terms of my loan agreement. 
False advertising Deceptive practices Unfair and abusive lending practices In 2019, the CFPB issued a consent order to Vero Credit requiring the company to pay {$1.00} million in consumer redress and to make changes to its business practices. The order found that Vero Credit had engaged in a number of unfair and deceptive practices, including : Making false and misleading statements about its products and services Charging excessive fees Failing to provide consumers with accurate information about their loans The FTC has also filed a lawsuit against Vero Credit alleging that the company violated the Truth in Lending Act and the Fair Debt Collection Practices Act. The lawsuit alleges that Vero Credit made false and misleading statements about its loans, and that it harassed and threatened consumers who were unable to repay their loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I Recently noticed I was a victim of identity theft because of the various data breaches. I sent in the proper documentation but the credit bureaus ignored my documents and failed to remove all of the inaccurate, fraudulent and unauthorized accounts. therefore, I sent in a letter to each bureau asking for the steps the took to verify the info but I never heard back from them and they continue to furnish inaccurate items on my report when I know they are supposed to only report 100 % accurate items. its been more than 30 days since I sent my documents! this is ruining my reputation and I need these accounts remove expeditiously

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 2023-06-02 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: FL

Complaint narrative:
Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent.

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account. 

15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 


15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 

there is some inaccurate information reporting. 
DPT EDXXXX Account Number : XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX DPT EDXXXX Account Number : XXXX Delete this account. 


XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX  Delete this account

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 2023-06-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I have about {$14000.00} in my XXXX XXXX 's " XXXX XXXX. '' I have been trying to withdraw for over XXXX weeks now. I've called and called and called. I have been told they can't verify my mobile number, saying it's a prepaid phone number. This is my only mobile number. This is wrong, almost sounds weak to me. I have a post paid XXXX XXXX number and I haven't ported my number recently. I've had this mobile number since 2011. 

" We can't send validation codes to prepaid phones, '' I was told. I replied, " It's NOT a prepaid phone line, I have post-paid XXXX XXXX '' Nonetheless, I offer any other information to jump through this hoop. " Nope, that's the only way, but I'll file a case for you and someone will call you back. '' After XXXX weeks and numerous follow-up calls, I keep getting the " I'll file case and someone will call you back. '' I'm extremely frustrated since I keep hitting this brick wall. 

I need part of this $ for a car down payment. No one at XXXX seems to care. This is my money, I've offered any validation data they need, if it's indeed a security issue. I feel they don't want to give me my money, honestly. What gives??!?!?! 

Please, please help My, again MY money is being held hostage for no reason!!! No one will actually help me resolve this and the issue ( from what I've been told ) seems to be on their part. MY PHONE NUMBER IS NOT PREPAID. Nonetheless, there should be other alternatives for validation. 

XXXX " XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the failure of Equifax, XXXX, and XXXX to provide a timely response to my credit report disputes. On XX/XX/2023, I sent certified letters to each company disputing several inaccuracies on my credit report. The letters were delivered on XX/XX/2023, with the respective tracking numbers : Equifax ( Tracking Number : XXXX ), XXXX ( Tracking Number : XXXX ), and XXXX ( Tracking Number : XXXX ). However, it has now been over 30 days, and I have yet to receive a completed report on any of my disputes. I request the CFPB 's immediate assistance in resolving this matter promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like your help because someone committed fraud on my account and my bank does not want to help me and recognize this fraud. Two checks were deposited in my account and then three atm withdrawals were made somewhere in an atm at XXXX CA. I did not authorize this I didnt not deposited this checks nor did I withdrawal the money. I was at work in XXXX XXXX CA when this happened I had my card stolen I did not have it I did not authorize this. 
XX/XX/2023 ATM check deposit {$1000.00} ATM withdrawal {$500.00} XX/XX/2023 ATM check deposit {$1000.00} ATM withdrawal {$1000.00} XX/XX/2023 ATM withdrawal {$580.00} Chase bank did not approve this was fraud they mentioned it had to be someone close to me. I had my card stolen, even if it was someone close to me as chase said which there is no prove of and it could have been anyone who did this ; this is still considered fraud they did fraud on my account because this was never accepted by me. I do not know who did this I dont know where it even happened it was not me nor authorized by me and I believe chase bank needs to offer protection against fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
My bank account has not been allowing transfers for days and now my account is suspended for no reason. I can't pay my rent because these crooks are holding my money. 

I've now been on the phone for over two hours and have spoken with 4 people. One of them tried to gaslight me into saying my account wasn't suspended when it clearly said so on my account. 

This bank is clearly not fit to be handling anyone 's money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: NJ

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

Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX  # XXXX, Account name : XXXX # XXXX, Account name : PXXXX XXXX XXXX # XXXX, Account name : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with the XXXX XXXX XXXX XXXX XXXX and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, 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:
There is a fraudulent account on my credit report called XXXX XXXX  acct - XXXX I have contacted XXXX many times and they will not provide me with a contract, give me details as to what this account is, they will not tell me who opened it, and none of their information matches with me. I have told them several times to remove it from my credit report, but all they do is give me the run around. I NEVER OPENED UP anything with XXXX and they tell me is that they can not find me in their system. 

Since XXXX XXXX is not doing anything about it, I have tried to put in several disputes with Experian and they are not deleting this FRAUDULENT account. It does not make sense that this account remains on my credit when I DID NOT DO IT. it has taken a toll on my mental health and has caused my credit to suffer. I have even filed a police report and still NOTHING HAS CHANGED! Every time I dispute the account with Experian they say that the account is " VERIFIED '' but that is IMPOSSIBLE because I NEVER OPENED ANYTHING WITH STATEWIDE, and statewide themself say that they cant find me in their system!

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I have filed a Identity theft report regarding personal and credit information appearing on my consumer report that are not transactions done by me nor to which I received any benefits.

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 2023-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: United Collection Bureau, Inc.
State: AZ

Complaint narrative:
I had a baby at XXXX XXXX XXXX XX/XX/XXXX, and I set up a payment plan 2 weeks later, which I have been on ever since ... it is in good standing and I have never been late. Apparently there was a separate charge billed several months later that I never received any texts or emails about ( I am on paperless billing ). XX/XX/XXXX I found a collections account reported on XXXX for {$860.00}. I called XXXX XXXX XXXX a total of 5 times, and every time I was told my account was in good standing and there are no issues. I called the collection agency, United Collections Bureau, and they had me email in documents to show my account was in good standing. No one got back to me. I called again the next week, and was provided with an account number. I called XXXX XXXX XXXX again and presented that account number, which turned out to be in my baby 's name for some reason, and I asked why it was not added to my payment plan that I already established, which I was not really given a reason for. She then connected me with the collection agency which was already closed for the day. I asked her beforehand if this could be added to my payment plan and be removed from collections and she did not help with that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I've requesting a second look into reviewing my missing funds of {$4000.00} removed by Chase Bank on XX/XX/2023. The check was deposited on XX/XX/XXXX via the Chase Application on XX/XX/XXXX. The deposited check does show it was added to my balance on XX/XX/XXXX with the provided Chase bank printout provided by the bank. Chase bank is stating that this same check was presented in a different financial institution on XX/XX/XXXX and to contact XXXX and the maker of the check. The maker of the check is myself since I own XXXX XXXX XXXX, and this {$4000.00} dollar is my salary to myself. I also did provide bank statements and a letter from XXXXXXXX XXXX stating this check has only been presented once, so actual proof that it was paid to Chase alone. I've uploaded statements from both Chase Bank and XXXXXXXX XXXX XXXX statement showing the check was cashed once and not presented twice. I've also provided a letter from my bank at XXXXXXXX XXXX that the check was only ever presented once. If it has been presented to cash anywhere else including a check cashing facility, it would show up on my XXXXXXXX XXXX account as returned for duplicate item or paid, it is nether. The only bank who received these funds was Chase Bank. This second letter from my banker has his direct line to confirm this fact. They've ignored the letter provided and have not returned my banker phone message at XXXXXXXX XXXX to confirm this as a fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 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: National Credit Adjusters, LLC
State: CA

Complaint narrative:
After carefully looking over my credit report I noticed multiple inaccuracies that have been previously reported to XXXX. National Credit Adjusters is reporting an account on my report with an inaccurate Open date. The payment history does not add up, and they claim to have received a payment from me on XX/XX/2020, but they report me in Collections with XXXX payments made. This does not make any sense and is hurting my credit tremendously. In the comments they state that this is reporting correctly according to the Fair Credit Reporting Act. Treatment of inaccurate or unverifiable information : After an investigation 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, or modify that item of information, as appropriate, based on the results of the investigation. Multiple inaccurate information has been reported for years with this account. They said an investigation was done but it wasnt. I have disputed this numerous times and to avail they refuse to follow the FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
My XXXX XXXX  passed away, under tragic circumstances, in XX/XX/2023 and had an auto loan account with Toyota Motor Credit dba Toyota Financial Services . I called the number listed on one of the billing statements to advise them of his death the first week of XXXX and upon receipt of his official certificate of death, it was emailed to them on XX/XX/2023 and I even advised where the vehicle could be located which the attached email correspondence will support. 
According to the credit bureau update that has been included as well, they were fully aware that my XXXX was deceased and yet, another billing statement was issued on XX/XX/XXXX -- - 30 days after they were informed verbally and in writing. I spoke with XXXX in Collections/Customer Service and then XXXX in the Redemption Department on XX/XX/XXXX, the day the letter was received, and formally complained to them both about the egregious mishandling of my XXXX XXXX account. Both employees advised that because I was an unauthorized third party, they couldnt comply with my request to indefinitely suspend billing cease statements, despite knowing my XXXX was deceased. By far, the most ludicrous explanation ever. To make matters worse, a redemption letter was received in the mail today, dated XX/XX/XXXX, one week after I contacted Toyota Financial Services for the 3rd time, indicating the steps my deceased XXXX can take to recover his repossessed vehicle. 
Toyota Financial Services is one of the largest auto loan companies in the country so why dont they have deceased notification protocols in place and governing control checkpoints to ensure compliance and adherence to those standards? Toyota is the only creditor who has demonstrated such an abhorrent lack of empathy, unprofessionalism and insensitivity as it relates to this matter. In fact, upon verbal and written notification, all of my sons other creditors immediately ceased ALL written correspondence and provided confirmation that his account would be closed, and their records would be denoted as uncollectible since there's no estate. Why a request to cease and desist, under the circumstances, is being ignored by Toyota Financial Services is incomprehensible and unacceptable. Being compelled to revisit this situation is distressing and has compounded the trauma of losing my son. Be advised, a formal complaint was also filed with the State of TX 's AG Consumer Protection Division as well.

Company response to consumer: Closed with explanation