vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I visited XXXX XXXX XXXX XXXX in XXXX, VA for my XXXX  daughter. They said she had no copay but asked that I put a card on file just in case. XXXX XXXX  gets medicaid so they have no copay and are covered 100 %. Three months later they charged my Bank of America credit card {$10.00}. I never received a bill or notice, so it was reported to the credit bureau.

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 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I requested a letter on company letter head confirming the authorized users on my chase card. I was advised that it would take 10-14 business days for this letter which is ridiculous. The need for this letter is important and I am in need of it sooner than the timeframe provided. I have contacted 3 other companies who were able to send the letter via email. When i asked for a faster turn around time they advised it can be sent by fax. i asked if they can send the letter to my secure message with them where i get there letters and tax forms and that was not an option.

I need this letter for my attorney and I stressed this to them. with no true help i am hoping the CFPB can assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX. I am submitting this claim because I have been the victim of identity theft, which has resulted in fraudulent accounts being reported on my credit file. These unauthorized accounts and activities have significantly impacted my creditworthiness and my ability to obtain credit in my name. 
The accounts listed below were opened or reported without my knowledge or consent. Despite my attempts to resolve this by asking the companies to verify the accounts and provide proof of their validity, including contracts or agreements bearing my signature, they have failed to comply. These are the accounts and inquiries : XXXX XXXX XXXX # XXXX {$18000.00} XXXX # XXXX {$210.00} INQUIRIES : XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> To date, the companies have not provided sufficient evidence that these accounts are legitimately associated with me, and they continue to report inaccurate information that is damaging to my personal and financial reputation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Account Information [ Account Number : XXXX ] Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account. I am not disputing the information provided in my credit report but kindly request the following specific details for my records : Date of First Delinquency Date of Last Payment Date of First Charge-Off This information will help me better understand the account history. Please provide this information in writing to the address listed above. 

Thank you for your attention to this matter. Should you need any further details from me, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, 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 2025-01-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Account Information [ Account Number : XXXX ] Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account. I am not disputing the information provided in my credit report but kindly request the following specific details for my records : Date of First Delinquency Date of Last Payment Date of First Charge-Off This information will help me better understand the account history. Please provide this information in writing to the address listed above. 

Thank you for your attention to this matter. Should you need any further details from me, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Request for Account Information [ Account Number : XXXX ] Dear Sir/Madam, I hope this letter finds you well. I am writing regarding the above-referenced account. I am not disputing the information provided in my credit report but kindly request the following specific details for my records : Date of First Delinquency Date of Last Payment Date of First Charge-Off This information will help me better understand the account history. Please provide this information in writing to the address listed above. 

Thank you for your attention to this matter. Should you need any further details from me, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Sincerely, 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 2025-01-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
Credit Acceptance Corporation po box XXXX XXXX, MI XXXX Dear Credit Reporting Department , I am writing to formally address a serious violation of my rights under UCC 9-609 , related to the wrongful repossession of my vehicle, which occurred on XX/XX/year>. It is my understanding that, under UCC 9-609, a secured party may only repossess collateral without a court order if the repossession is conducted in a peaceful manner. 
However, in this instance, no court order was obtained, and your actions resulted in a breach of my peace, which is not only unlawful but also entitles me to statutory damages. 
To clarify, UCC 9-609 explicitly requires that repossession must be peaceful. The actions taken by your company and Specializied Towing located XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX which include the seizure of my vehicle without notice or consent, were not peaceful and caused a significant disruption to my daily life. This breach of my peace, combined with the fact that no court order was obtained, makes your actions a clear violation of my rights under the Uniform Commercial Code. 
As a result of this violation, I am entitled to statutory damages under UCC 9-625, and I hereby demand compensation for both the financial harm I have suffered and the breach of my peace. Specifically, I am entitled to : 1. The Full Financial Charge for the Vehicle : The total amount owed for the vehicle, which is {$47000.00}, as a result of your unlawful actions in repossessing the vehicle without legal authorization.

2. An Additional 10 % of the Purchase Price : As provided for under the relevant provisions of the Uniform Commercial Code, I am entitled to an additional 10 % of the purchase price of the vehicle, which is {$2600.00}. 
Therefore, I am requesting a total of {$50000.00} to be paid to me as statutory damages for this violation. This amount represents both the financial harm caused by the unlawful repossession and the additional damages for the breach of my peace. 
Please respond in writing within 15 days from the date of this letter, confirming your agreement to pay the full amount requested. If I do not receive a satisfactory response within this timeframe, I will be forced to pursue further legal action, including filing a complaint with the relevant authorities and seeking judicial relief through the courts. 
I trust you will treat this matter with the seriousness it deserves and resolve it promptly. Please direct all correspondence regarding this issue to the contact information provided above. 
Thank you for your prompt attention to this matter. I look forward to your timely resolution and response.

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 2025-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CT

Complaint narrative:
URGENT PLEASE NOTE : DO NOT say you are taking 60 days for a response. Legal action will be filed 15 days from this complaint. 

My accounts have been restricted for almost 6 months now. Ive done everything possible and everything requested. Please read previous complaints. You told me IN WRITING on the last one, if I go into a branch with a photo ID my funds will be released. This was false. I took a day off work and went last month. They told me my ID was not sufficient and they couldnt identify me. I had my polish passport and New York State ID. They wanted a proof of address and another ID. 

I went in today XX/XX/year>, with multiple forms of ID and proof of all addresses and everything. They told me they cant identify me. I am STANDING RIGHT THERE. This is INSANE!! They had me fill out the security appeal form for the XXXX ( probably more ) time and told me I will hear back within 15 days. They told me Im not eligible for membership anyway, which is fine because i want nothing to do with this bank. I NEED MY MONEY. There is XXXX XXXX  in this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: OneMain Finance Corporation
State: KY

Complaint narrative:
I am writing to formally express significant concerns regarding my loan account with Onemain Financial group LLC. My concerns arising from my review of the loan documents, payment history, transfer of security and recent legal proceedings, indicate potential violations of federal laws, securities regulations and consumer protection standards, including but not limited to Regulation Z under the truth in lending act ( TILA ), XXXX XXXX XXXX, and the 14th Amendment of the US Constitution, Emergency banking act, Securities act XXXX and XXXX. In XX/XX/XXXX, I filed for XXXX XXXX bankruptcy protection. However, in XX/XX/XXXX, I requested case to be dismissed due to discoveries related to consumer protection laws. In XXXX and I believe in XXXX or XXXX, I contacted OneMain Financial Group LLC, requesting validation of the loan and remedy for past due amounts. I did not receive a response. XX/XX/XXXX, I was served with a court summons related to this loan. A request for dismissal of the loan entirely due to arbitration clause, has not yet been reviewed. In my discoveries it has come to my attention that the loan may have been securitized and sold without my knowledge or consent, in my findings there are two different account numbers. However only a copy of the promissory note with the original account number but not the original note ; with only my signature was submitted with the summons. This raises questions about transparency, ownership of the debt, and the accuracy of disclosures under the Regulation Z. Based on recalculation using the XXXX method, discrepancies exist in how payments were allocated between principal and interest ( overstated ), raising concerns about inaccurate disclosures and misrepresentation. Transparency and accountability 15 USC-1692, 1601, HJR 192, the 14th amendment, Emergency banking act XXXX, codified under 12 USC and title 31, 12 CFR 201.108, UCC3-104, UCC 3-303, UCC 3-305, Securities act 1933 , 15 USC -77a and the OID 1099, IRC 26 USC 1271-1275, regulation 1212. These rights appear to have been violated. OneMain Financial 's known legal issues in XXXX, agreed to a settlement over transparency issues. My case indicates these transparency concerns still persist and potentially affecting additional borrowers. In addition I have concerns of OneMain Financial Group LLC. ( license XXXX XXXX ) potentially selling securities without a license, according to the securities and exchange commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
My credit card was charged for the purchase that I am not aware of. The transaction appears to have happened in XXXX XXXX. 
Their online banking system does not have functionality to resolve the issue, so I called them. 
I explained that I did not make the purchase, and I want my credit back for that. Additionally, I asked them to close the credit line since I lost my trust with this bank. 
They did not reverse the credit, and just replaced the credit line with a new one. 
I contacted them again for what happened, and they are still not reversing the credit.

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 monetary relief
Consumer complaint received 2025-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint against [ Credit Bureau Name ] regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 


3. Incorrect Wrong Date of Birth : My correct Date of birth is : XX/XX/XXXX Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.

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 2025-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Kirschbaum, Nanney, Keenan & Griffin, P.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX. KIRSCHBAUM, NANNEY, KEENAN, & GRIFFIN, P.A judgment was filed on XX/XX/XXXX. As such, the to file an action to " renew '' the judgment under normal circumstances would have expired on XX/XX/XXXX. The judgment was later filed again on XX/XX/XXXX. Filing a time-barred action is, potentially, a violation of the federal Fair Debt Collections Practices Act ( FDCPA ) and/or our state debt collection statute. Any action to renew a judgment must be filed before the original judgment has expired. Since a judgment in North Carolina is good for 10 years, any renewal must be filed within 10 years. A " 10-year judgment expired '' means that a legal judgment, which is a court order stating someone owes money to another party, is no longer enforceable because 10 years have passed since it was issued and the creditor has not taken steps to renew it within that timeframe essentially, the court can no longer force the debtor to pay the debt due to the time limit expiration

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: LA

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-08 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: UT

Complaint narrative:
On XX/XX/XXXX I wrote a letter to Experian indicating information on my credit report that must be removed due to Identity theft. 

In the letter I provided a copy of my credit report with the highlighted information that should be removed. I also provided a copy of my driver license, and a copy of my Social Security card for identity verification ; a copy of a utility bill for address verification ; and a copy of the identity theft report. 

Additionally, I requested all aliases in my account and employer information to be removed. This information in not necessary and provides more confusion to those searching my credit information and also increases the probability of people with those names to be able to use my crtedit information to their benefit. 

However, on XX/XX/XXXX, Experian responded indicating they were not able to remove the information and asked for the following : " One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc. 
Please also include the following identification information : Your full name including middle initial ( and XXXX - XXXX, XXXX, XXXX, XXXX ) Social Security number Date of birth Complete addresses for the past two years '' The information Experian requested was already provided to them with my letter. I tried to contact Experian via telephone to clear any questions, but they don't have a phone number that I can use to talk to an agent. 

Experian is simply looking for excuses not to remove the information.

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 2025-01-08 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: MO

Complaint narrative:
Hey, I went over my consumer report, and I noticed some hard inquiries that I didn't authorize, or l do not have knowledge of. I have called several times and let the credit reporting agencies and the companies know that the inquiries in the document included below are fraudulent and they have yet to be removed. They are not to supposed to be visible on my credit report. I never gave them permission nor written consent to report or to authorize the inquiry. By law this is aggravated identity theft. 18 U.S. Code 1028A

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 2025-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Veem  Inc.

Complaint narrative:
I went with veem.com, to get my consultancy payment processed things usually works well but just that I made a invoice ( id - XXXX ) of XXXX dollars to be transfered to my bank account. The invoice was made on XXXX XXXX and it confirmed the payment on XXXX XXXX, but I haven't recieved the payment till now. When contacting their customer support they did provide confirmation from XXXX XXXX  that doesn't confirm the delivery and even on submitting that to my bank I can see, that I haven't recieved the amount in my bank.

Company response to consumer: Closed with explanation