vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
XX/XX/XXXX - Vehicle Payoff submitted XX/XX/XXXXXXXX  Ally auto blocked wire transfer marked my account as fraud. Requested I pay three payments via certified check XXXX  Sent certified check for full statement balance. 
XXXX Certified check cashed. 
XX/XX/XXXXXXXX  - Contact Ally Auto - Request lean release Response- Sending XXXX Contact Ally Auto - Request lean release. 
Response - Sending release XXXXXX/XX/XXXX Contact Ally Auto - Request lean release XX/XX/XXXX - Ally Auto limited my web account. 
XXXX  Contact Ally auto request Lean release. 
Response - sending release

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 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: STATE EMPLOYEES CREDIT UNION
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
Upon reviewing my credit report, I have discovered that the last activity date on the aforementioned account has been continuously manipulated, presumably by your company, in an attempt to prolong its appearance on my credit report. This practice is not only highly unethical but also constitutes a clear violation of regulatory standards governing credit reporting. 

According to the Fair Credit Reporting Act ( FCRA ) Section 605 ( c ), the maximum period for which negative information, such as a charged-off account, can remain on a consumer 's credit report is XXXX years from the date of the first delinquency leading to the charge-off. Any attempt to artificially extend this timeframe through falsification of last activity dates is a direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: CT

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, They are hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2024-03-10 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: IL

Complaint narrative:
I request the removal of these inquiries. I am unaware of this matter, and the company took action without my consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a {$100.00} American Express gift card at work in XX/XX/2023. I got the receipt and everything from where it was purchased and have attempted to use it various times in several different places. For amounts much smaller than what is on the gift card. American Express advertises that it can be used virtually anywhere they accept AmEx but I am unable to make any sort of purchase - online or in person. When I go online to check the balance it will not let me log in to see it and keeps asking for XXXX verification over and over again. However my numbers match - I can not check my balance. I tried to call American Express and the wait time was long - I never received an answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # 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 an account without my written instruction.

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 2024-03-10 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Account # 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
XXXX XXXX Credit card with Bank of America was opened without my knowledge.

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 2024-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
Hospital visit, assuming my insurance was billed incorrectly. Paid copay at time of visit and have been to XXXX  since then and not received this big of a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 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: NC

Complaint narrative:
I recently looked at my Equifax report on XXXX XXXX, 2023 and I notice some things are incomplete and not accurate. According to the FCRA whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The accounts in the letters attached are not complete and accurate. 

I sent letters asking them to make sure everything is complete and accurate and here is my tracking numbers XXXX, XXXX, XXXX they sent my investigation back and said everything was complete and accurate but if you check my attachments everything is not.

According to 15 USC1681i 5 they are supposed to do this : ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation 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 that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to this law they are supposed to provide me description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.
and according to 15 USC 1681s-2 ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Certegy Holdings, LLC
State: AK

Complaint narrative:
I am a survivor of XXXX XXXX. Approximately XXXX yrs ago I had an account I believe with XXXX XXXX. My XXXX  had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXX XXXX. I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX  using internet sites to sell our XXXXXXXX XXXX XXXX. In addition, my XXXX XXXX  away and I can't cash the XXXX XXXX checks at even XXXX or any XXXX union or bank. All require an account and even XXXX has my social flagged due to XXXX XXXX XXXX incident that was due to the person who was XXXX  me last. 

I am XXXXXXXX XXXX XXXX in the case against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The description of videos is proof. One being my XXXX  is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX  caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXX, but I do have records of payments to XXXX. I can as you also can easily XXXX  XXXX XXXX my middle name ) XXXX and see my XXXX all over the internet. I can also provide the case number with the court in 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Fidelity National Information Services, Inc. (FNIS)
State: AK

Complaint narrative:
I am a survivor of XXXX XXXX. Approximately XXXX XXXX ago I had an account I believe with XXXX XXXX. My XXXX had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXXXXXX XXXX I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX using internet sites to XXXX XXXX  XXXXXXXX XXXX XXXX In addition, my parent passed away and I can't cash the cashier 's checks at even XXXX or any credit union or bank. All require an account and even XXXX has my social flagged due to the XXXX XXXX incident that was due to the person who was XXXX me last. 

I am XXXX XXXX  XXXX in the case against XXXX ( etc ), XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX. The description of videos is proof. One being my XXXX is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXXXXXX but I do have records of payments to XXXX. I can as you also can easily XXXX XXXX ( my middle name ) XXXX and see my XXXX all over the internet. I can also provide the case number with the court in 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 2024-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
I am a survivor of XXXX XXXX. Approximately XXXX yrs ago I had an account I believe with XXXX XXXX. My XXXX had access to the account and created some sort of overdraft. That action caused me to be further dependent on him. I finally got away from him and others prior to him in XXXXXXXX XXXX I've not been able to cash checks or open a bank account. At some point there will be judgements in our cases against those who are further profiting from XXXX using internet sites to sell our XXXXXXXX XXXX XXXX. In addition, my parent passed away and I can't cash the cashier 's checks at even XXXX or any XXXX XXXX or bank. All require an account and even XXXX has my social flagged due to the XXXX XXXX incident that was due to the person who was XXXX  me last. 

I am XXXX XXXX XXXX in the case against XXXX ( etc ), XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX. The description of videos is proof. One being my XXXX is still being sold and profited from on countless websites including XXXX. 

I can't pay whatever amount my XXXX  caused to mess up my credit if I can't even cash checks from my parent passed. It's odd that the internet site/companies all have banking, as they continue to harm us survivors but I can do nothing to be less vulnerable years after surviving what I went through. 

There isn't any way to " prove '' I was XXXX, but I do have records of payments to XXXX. I can as you also can easily XXXX XXXX ( my middle name ) XXXX and see my XXXX  all over the internet. I can also provide the case number with the court in 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 2024-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
I did a traid in at XXXX in 2022 in XXXX, Ohio my payments are {$580.00} a month. They told me to come back in XXXX to XXXX months and refinance to get lower payments. I waited XXXX  months and all my payments was on time. They told me it was to soon and now I been making payments for XXXX  months and no change and I still have over XXXX years to go to pay my car off.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: VA

Complaint narrative:
Old Navy online order XXXX XXXXXXXX placed on XX/XX/2024. 

I ordered 9 items, the online tracking showing all of the times were delivered in 1 package. However, I received an XL size empty bag with only 2 small items inside. The package looked like it had been opened previously and re-taped with clear packaging tape. I filed a claim with Old Navy regarding 7 missing items asking for a refund. 

Additionally, I redeemed my Cash rewards dollars, XXXX XXXX and otherwise utilized a total of {$76.00} in multiple promotions in this order. Since 7 out of 9 items I ordered were never delivered, I had to re-order those items at a full price, which cost me 2-3 times more than the original cost, so I asked to be reimbursed for the difference as well. 

On XX/XX/2024 I received a response from Old Navy customer service saying that my request for a refund had been denied, without any reason or further explanation. I was completely dumbfounded. I was a loyal customer for many years, and buy A LOT from this company on a regular basis. In all my life I've never had to deal with a retail company refusing to refund merchandize I paid for, but they failed to deliver. They can't do that, can they??

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 2024-03-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing Transunion to do a reinvestigation on accounts listed below in attachments. 

When I call XXXX XXXX and Transunion they tell me that they don't have to do an investigation they just simply report whatever the creditor sends them without verifying the information is accurate I know the fcra doesn't allow the credit reporting agencies to just make up their own rules please reinvestigate each account that I have placed within my letter and please send me a updated credit report stating how you conducted the reinvestigation who you spoke to verify the accuracy of each account, phone numbers and business addresses. 

If you can not do so delete each account that is not properly verified.

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 2024-03-10 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: PA

Complaint narrative:
I am writing Equifax to do a reinvestigation on accounts listed below in attachments. 

When I call Equifax XXXX and XXXX they tell me that they don't have to do an investigation they just simply report whatever the creditor sends them without verifying the information is accurate I know the fcra doesn't allow the credit reporting agencies to just make up their own rules please reinvestigate each account that I have placed within my letter and please send me a updated credit report stating how you conducted the reinvestigation who you spoke to verify the accuracy of each account, phone numbers and business addresses. 

If you can not do so delete each account that is not properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sir/Madam, My issue is regarding the non receipt of promised Cash Rewards by Bank of America ( BOA ). BOA has created a Customized Cash Rewards program wherein customers can earn 3 % cash back on Travel purchases, 2 % grocery store purchases and 1 % or all other purchases. As of XX/XX/2024 a charge of {$2200.00} was charged to my BOA credit card for XXXX XXXX through XXXX XXXX XXXX XXXX. As per BOAs Rewards Program I should have received 3 % or {$66.00}. Instead they provided only a 1 % Reward for this charge in the amount of {$22.00}. As such, I am due an additional Rewards Credit from BOA in the amount of {$44.00} which they are refusing to award 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 2024-03-10 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: EQUIFAX, INC.
State: TN

Complaint narrative:
I am very dissatisfied with equifax and transition with their lack of attentiveness to dissolve the unauthorized hard inquiries on my report. I typically monitor my XXXX, and come to find out all this unauthorized hard inquiries and even expired inquiries are still reflected on my report. This is a terrible service and this has hurt my credibility to lenders. 

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. 

HARD INQUIRIES AS REPORTED ON EQUIFAX : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


HARD INQUIRIES AS REPORTED ON XXXX : XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

These hard inquiries are a violation of my privacy and outdated. This is a violation of my FAIR CREDIT REPORTING ACT. 
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 2024-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: NC

Complaint narrative:
Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE : XXXXXXXX  Acct. # XXXX Amount : {$17000.00} The above account is on my credit report. Please send me proof that you are the actual owner of this debt as there are a lot of scams on the internet. I request all communication be sent to my electronic email address : XXXX for privacy reasons.

Company response to consumer: Closed with explanation