vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian has put information back on my credit report from XXXX, which is in accurate and falsely reflects that I had a late payment history with this company. I am attaching the supporting documentation I have already written an affidavit which stated that this was false reporting done by XXXX. Experian continues to report this false information which makes it fraudulent. 
I have attached copies of the billing which I requested from XXXX. This clearly shows that I had no minimum payment due, and no late payments. The account was closed in XX/XX/XXXX. They continued to hold the account on an open status after I was told that it was closed and they terminated their banking relationship with me. This is where it created the so-called late payment however, how could I make a payment for something that I wasnt even aware it was due? This is truly deceptive. Note that the statement with a due date of XX/XX/XXXX says XXXX balance and payments of {$4800.00} that was the last payment made as of XX/XX/XXXX. XXXX is also reporting this false information. I enclosed a copy of my XXXX report, which does not correlate to the billing from XXXX. This is false reporting. The XXXX report says the account was late from XX/XX/XXXX to XX/XX/XXXX, however that contradicts the billing furnished by XXXX. It also contradicts the date closed reported by XXXX of XX/XX/XXXX, and below that it says XXXX of XX/XX/XXXX! Clearly this is false.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
On XX/XX/2022 at approximately XXXX CST I started receiving several emails from ALLY BANK that new accounts were opened with my information. one acct was an interest checking ending in XXXX then another was a savings account ending in XXXX. Then I received an email stating that a XXXX was available for deposit. Then after that I received an email that I needed to call in and verify some information and that the account had been locked due to suspicious activity. I immediately contacted ALLY bank because I HAVE NEVER AND STILL DO NOT HAVE an active account with that company. I spoke to a representative name XXXX i explained what was going on. XXXX he was unable to authenticate me using a three-question set of security questions he was took a report and sent it over the loss prevention department who will review it and if deems that the case was open in error due to fraudulent activity " which it certainly was '' then after approximately 30 days the accounts would be closed. I requested a call back AFTER the investigation. 
**Again, I have never opened a bank, checking, savings account of any type with ALLY BANK.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX ( 0 minutes ago ) to me 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 XXXX XXXXXXXX : XXXX XXXX : XXXXXXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX Has violated my rights. 
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 2022-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I referred XXXX XXXX on XX/XX/2022, for the Chase XXXX XXXX XXXX cash card. Her phone number is XXXX. Her zip code is XXXX She was approved on XX/XX/2022. I sent her a link and I have provided a screenshot showing a text message communication between me and her showing that she got the link. 


For reference, this is the link that I sent XXXX XXXX XXXX XXXX I have NOT received my referral bonus still. I however referred someone else ( XXXX XXXX ) using a different chase XXXX XXXX cash card that I own ( account ending in XXXX ), and I already received that referral bonus. 

I already made a CFPB case with Chase that was closed inadvertently as they said they could not see that I referred her. I'm reopening this case and attaching additional proof of the referral.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: Thaxton Investment Corporation
State: SC

Complaint narrative:
someone open a loan in my name do to fraud i never had a loan with quick credit there are several accounts in my name an none of them belongs to me XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY WIFES FRIEND LIVED WITH US WHEN SHE FELL ON HARD TIMES YEARS AGO. SHE WENT OUT OF TOWN FOR XXXX  ONE YEAR AND LEFT HER IN OUR HOME. WHEN WE RETURNED BACK HOME SHE TOOK THE SHOE BOX THAT HAD OF OUR IMPORTANT DOCUMENTS IN THEM AS WELL AS MY SONS XXXX. HER NAME IS XXXX XXXX. BELOW I HAVE LISTED THE FRAUDULENT INFORMATION IN MY FILE THAT NEEDS TO BE REMOVED AND BLOCKED FROM MY CONSUMER REPORT IN 4 DAYS.



FRAUDULENT ACCOUNTS: 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY WIFES FRIEND LIVED WITH US WHEN SHE FELL ON HARD TIMES YEARS AGO. SHE WENT OUT OF TOWN FOR XXXX  ONE YEAR AND LEFT HER IN OUR HOME. WHEN WE RETURNED BACK HOME SHE TOOK THE SHOE BOX THAT HAD OF OUR IMPORTANT DOCUMENTS IN THEM AS WELL AS MY SONS XXXX. HER NAME IS XXXX XXXX. BELOW I HAVE LISTED THE FRAUDULENT INFORMATION IN MY FILE THAT NEEDS TO BE REMOVED AND BLOCKED FROM MY CONSUMER REPORT IN 4 DAYS.



FRAUDULENT ACCOUNTS: 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hi My name is XXXX XXXX and I have been a loyal customer with XXXX XXXX XXXX XXXX XXXX ) for more than XXXX years. I have started using their credit card approximately XXXX  years ago. Since the beginning, I used XXXX 's auto-pay feature for credit card which ensures that my payment is on time. However, this XXXX, this feature is magically turned off without me knowing about it. ( I believe it is due to some systematic error on XXXX 's part ). Therefore, from XXXX - XX/XX/2022, I was unaware that I have not been paying my credit card bills as a result of auto-pay being turned off and XXXX did XXXX to inform me of it. I had more than enough money in my debit account to pay for the XXXX dollar bill in my credit card and it is not meant to be delinquent. Once I realize this issue in XXXX, I paid them right away. However, I am now stuck with the late payment on my credit report which are negatively impacting my XXXX XXXX. I explained this issue to them but they keep saying that they are reporting the " truth '' to the credit bureau. I'd like to complain this issue because I believe that there's some kind of systematic error that turned off my auto-pay in which I am not at fault. The resolution for this issue is simple, I hope XXXX can revert the late status on these payments on 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 non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial has my car note. The note is XXXX per month. If you are 2 or 3 weeks late they charge a XXXX late fee.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
My father was a longtime Huntington Bank customer. He XXXX XXXX XXXX XXXX and leaves behind an account at Huntington Bank, of which I believe I am the XXXX. 


I have been trying, without success, to get information on how a designated beneficiary can claim those funds. So far, my experience in dealing with Huntington Bank employees has been, without exception, frustrating and unproductive. On XX/XX/2022, I called Huntington 's XXXXXXXX XXXX  XXXX XXXXXXXXXXXX XXXX and was told that they could not assist with XXXX inquiries at the branch level and I was instructed to contact Customer Service. 


I then spent XXXX XXXX on the line with an XXXX  customer service representative who verified my name, the account number, and account holders Social Security number but otherwise offered no useful information. Our conversation was characterized by multiple intermittent silent pauses of XXXX XXXX during which she might presumably be entering information and checking on the account. But I heard her cellphone dinging loudly through the phone the entire time, so I believe she was distracted with personal matters rather than focusing on my inquiry. Eventually, I asked to be transferred to a manager and was promptly disconnected. That appears to be a common phenomenon with Huntington Customer Service according to XXXX XXXX XXXX logs, and those disconnects are often perceived as intentional.

I called Huntington Customer Service again and spoke with a representative who did not seem to know what a XXXX was. So again, I requested to speak with a manager. I was then transferred to a manager named XXXX, who was polite but also unhelpful. XXXX first indicated that there were no XXXX listed on the account. I asked again, and she conceded that there could be XXXX  listed but she could not see them, and I would need to speak with someone at the branch office. She proceeded to connect me to a different branch office - one on XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX- but that office was not answering their phone. I left a detailed voicemail message requesting a callback but have still not received one. I called again on XXXX separate occasions over the next XXXX XXXX but still no answer. 


I live in XXXXXXXX XXXX, so jumping on a plane to visit a Huntington Branch office in XXXX without confirmation that I am a XXXX, instructions on how to claim the funds, or information on what documents may be needed is impractical. While employee incompetence and poor customer service remain possible explanations, I strongly suspect Huntington Bank is dealing in bad faith deliberately making it difficult or nearly impossible for XXXX to claim funds. 


Thank you in advance for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
For the last few months I have been disputing this account ( XXXX ), Which i noticed the reporting upon checking my Credit. Back in XXXX when i became aware, this account was reporting as a Charge-off and was sold to XXXX XXXX. Also, it was reporting twice on my profile with multiple inconsistence 's. The accounts were also appearing as open after it was charged-off and had different balances reflecting on all three credit bureaus. Every time i sent a dispute, the accounts would come back verified and the " DATE REPORTED '' would come back re-aged as recent which would knock my credit several points and it is also illegal. I pulled my Credit report as of ( XX/XX/22 ) and notice that now XXXX is reporting XXXX different times and show a status of open on some bureaus and closed on another. Its hindering me from establishing Credit so that I can purchase my home. I ask that the Credit bureaus alongside XXXX be held responsible far as making correction to my 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 explanation
Consumer complaint received 2022-11-30 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: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I made a requested to have my information deleted under the ( CPA ) The company denied me my rights. 

Today again XX/XX/2022 I filled out another form to have that information to be removed. 


Please help me with this issue these companies have no compassion for the people living who is living in poverty.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
Buying a new modular home/ {$30000.00} down payment was paid months ago ( approx 6 months )! Financing in place with XXXX mortgage co. XXXX arrived to dealers lot early XXXX delivered to my property XXXX XXXX 2022! Now dealer wants money from mortgage co, dealer calls me to do phone interview w/mortgage co who wants to set up payment plan starting in 16 days... problem is the home has not had its final inspection from XXXX XXXX & no certificate of occupancy has been issued! Both sides are pressuring me to start paying for a home that can not be lived in!!!!!!!!!!! 
I am not going to make home payments on a home I can't live in .. HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did not authorize nor give consent to the following inquiries being furnished on my consumer reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: CA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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 *Please remove all non-account holding inquiries over 30 days old. 
*Please add a Promotional Suppression to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 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: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I am banking with Chase Bank and have a very large check for around the amount of XXXX XXXXXXXX that was cashed on XX/XX/22, but I am unable to obtain it. All parties involved are very frustrated and I have spoken to XXXX different people and an advisor. They even closed my account yesterday XX/XX/22. Have been on the phone all day XX/XX/22. 

They need the person who is on the check to be verified, but the system that they use is by checking a phone number that is tied to the person who wrote the check. The person who wrote the check has a number on the check that is over XXXX old, but their system says it isnt tied to the individual. Called them and gave XXXX more numbers that the person who wrote the check is tied to for over XXXX yrs and Chase still says they dont see it tied to the person who wrote the check. 

I ask to have them send the money back to the person who wrote the check or give me back the check. They say that they are unable to do so. So Chase apparently can not give either party back their money. 

This is absolutely outrageous.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30 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: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation