vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: GA

Complaint narrative:
It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent 3 previous letters to you, requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of said investigation, I will file a civil suit in my county for damages and you can travel to defend yourself. 

I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 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: Rocky Mountain Capital Management
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX is a XXXX  XXXX XXXX XXXX XXXX XX/XX/2020. The company 's File Number is listed as XXXX. 

The Registered Agent on file for this company is XXXX XXXX XXXX XXXX and is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX. 


This is the company the debt was sold to however they can not be reached whatsoever and XXXX and XXXX  continue to report the same information month after month and update the account. I dont know how they are able to get in contact but i can not.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: FL

Complaint narrative:
On XX/XX/2023, I sent a certified letter to Experian requesting that they send me the official documents that were used to verify the adverse information reporting on my current consumer report. FCRA 611 ( 15 U.S.C. 1681I ) 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. 
I stated that the information was in violation of my consumer rights based off various FCRA laws that they were violating. The company has ignored my letter and now I am requesting the CFPB demand the consumer reporting agency to provide me with the certified documents used to validate the information that is currently reporting on my consumer report. Pay attention to the accounts and information highlighted and the laws that are being ignored. I want to know what the CFPB can do to regulate and enforce the laws that are in place to protect consumer rights. The past year I have been notifying the consumer reporting agency about this matter and I have been ignored. I am not asking for verification nor validation but enforcement of the laws that are in place to protect my rights as a consumer.

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 2023-08-08 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: FL

Complaint narrative:
To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time. 

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: ND

Complaint narrative:
I requested a refund XX/XX/XXXX of {$5000.00} because the receiver was having problems picking up the money. It is XX/XX/XXXX and I still have not received my refund. Western unions customer service all give me a different story and say they will contact me by email but they take more than XXXX to respond to each email. They are also asking me for my account number and routing number just to give me my refund. They are VERY aware that the funds are in their system they admitted it to me. They made a prolonged investigation just because they dont want to release my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: U.S. BANCORP
State: GA

Complaint narrative:
Unknown Inquiry on Credit Report. Violates 15 U.S. Code 1681.

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 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I reached out to Ally bank on XXXX XX/XX/2023 to stop a check payment. I chatted as well as talked to somebody regarding this. They guided me for online process to do so. But even then the check was cleared and when I asked Ally bank - I was told that it needs at least 24 hours to kick in. If that was the case why no one told me on XXXX XX/XX/2023 itself. 
Moreover even when the stop check payment didn't worked, I was charged {$15.00} stop check payment fees. Later I need to chat with ally bank annoying customer service person XXXX to get it removed. 
Ally has always failed in terms of stopping check or ACH payment. Last year Ally failed to stop ACH payment. Very inefficient and useless bank. 
When they fail then they tell the customer to reach out to vendor in terms of stopping check or ACH payment.

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 2023-08-08 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have tried for more than 4 months writing to them concerning the improper reporting of items on my credit report. I fully plan to pursue litigation in accordance with the FCRA to implement my rights, seek relief, and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous written requests, the unverified entries still remain on my credit report in violation of Federal Law. they stated in their response to my dispute letter that they have verified accurate accounts which is a lie.They failed to send me copies of the proof that these accounts belong to me as per my request. they are required under the FCRA to have properly verified that an entry listed on my credit file is mine by having a copy of the original credit application on file proving that the entry is mine. It is obvious that they dont have any proof on file that the items are mine. When I go to litigation they will be required to produce said documents through the discovery process, and since they dont have the said documents in their files then that will be proof that they did not properly verify the items and they will have to be wiped clear.

they have NOT provided me with a copy of ANY original documentation ( a credit application with my signature on it ) as required under Section 609 & Section 611 ( a ) ( 1 ) ( A ).

Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). You say that you have reinvestigated these accounts but it is obvious that all they have done is parroted information given to them by other sources and shifted the burden back to me to prove the accounts are not mine which is clearly in violation of 1681 ( a ) ( 4 ).

Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to ... promptly REMOVE all information which can not provide proof of verification.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2023-08-08 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: TX

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.

The letters are stated with items and issues.

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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX I was contacted by phone & email from several credit companies inquiring if I had applied for credit with them and I had not been applying for credit. I knew that somehow someone was using my information to try and get credit in my name. In XX/XX/XXXX I received an email from Avant stating that my statement was available to view. I immediately called Avant to let them know I did not open an account with them and that I had other companies reach out to me letting me know that credit was trying to be opened in my name. Avant sent me a 10 page report to fill out. The report stated I had to file a police report to acknowledge fraudulant activity in my name, so I did that on XXXX and submitted the information to them by fax on XXXX. I continued to receive emails that my statement was available to view so after a couple months I contacted them again and was asked to send the 10 page report again. This time I faxed it, emailed it, and also mailed the report and never received a response from them. I filed a complaint with the credit bureau companies in XXXX and they responded they couldn't help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To whom it may concern : I have two credit cards with Chase. In XX/XX/XXXX, I have recently learned about XXXX interest benefits on credits card going back to XX/XX/XXXX, as per SCRA. I submitted my AD orders and got both cards down to 4 %. My issues are, XXXX XXXX was open in XXXX and XXXX XXXX was open in XXXX. I served from XX/XX/XXXX to XX/XX/XXXX, got released, and join the XXXX the same day. On XX/XX/XXXX, I volunteered for AD orders and am still on orders today. ( XXXX from XXXX XXXX XXXX XXXX Since learning about XXXX in XX/XX/XXXX, I send them my most recent orders from XX/XX/XXXX. Chase has honored the interest benefits starting only from XX/XX/XXXX. Today, I sent them my XXXX showing my AD service from XXXX and was informed that those 11 years of service can not be honored because they were not notified 9 months after I was XXXX. My complaint is, XXXX is the only legitimate government document we have to prove for VA benefits XXXX state benefits, housing benefits, student loans benefits, and jobs... but it is not good enough for the banks, i.e. CHASE to honor our time served " because they were not notified within a timeframe. '' XXXX the timeline! XXXX does not have a timeline! It does not matter if I just found out today or found out after 20 years with a pension, I believe AD members should get the differences in interest rates refunded for ANY of the time while they were on orders. My XXXX should be sufficient regardless of the timeline and when notified. I believe this should be fixed. I believe the clause to notify the banks within 180 days or 9 months should be looked at. Unbelievable. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 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: AZ

Complaint narrative:
On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

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 2023-08-08 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
On XX/XX/2023, I sent a letter to the three credit bureaus concerning several accounts that were fraudulently reported and must be removed from my credit report. Unfortunately, I have not received any response from the credit bureaus so far. According to the 15 U.S. Code $ 1681c-2, a consumer reporting agency is required to block the reporting of any information in a consumer 's file that the consumer identifies as resulting from alleged identity theft within four business days of receiving such information. It has now been 30 days, and the credit bureaus are in clear violation of this law, as I am a victim of identity theft. 

I urgently request the immediate deletion of these fraudulent accounts from my consumer report. These accounts should not be furnished on my report, as they are in direct violation of my rights as a federally protected consumer. Under 15 U.S. Code 1681b, the permissible purposes of consumer reports do not apply in this situation, as I never provided any written consent to any consumer reporting agency to report such information on my consumer report. This lack of consent constitutes identity theft, and it is my right as a consumer to have these accounts removed immediately. 

I expect prompt action on this matter to rectify the violation of my rights as per the law. Your cooperation in resolving this issue promptly will be greatly appreciated. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is my 4th request trying to resolve this issue with Experian. I submitted a response a couple of weeks ago and Experian closed my CFPB file without requesting the additional document through CFPB. ( XXXX XXXX ). Instead, they closed out CFPB and mail me the request for need a copy of the utility bill. Please reopen the case.

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 2023-08-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I lost my mobile phone and number back in XXXX, XXXX, and since that time haven't been able to login and access my accounts at Pentagon Federal Credit Union. 
Suffice it to say that I have done everything I could to remedy the situation, but I can not say the same for PenFed. 
I recently decided to close my accounts there and once again have the same issue with PenFed. They insist on me providing them a copy of a phone bill/utility bill, in addition to my driver 's license and SScard. 
Is not a driver 's license and SScard enough for identity and address validation?? 
They should know I'm 100 % VA XXXX compensated since I was having my VA checks direct deposited there! 
I have other accounts at other banks and have been able to login and access my accounts at other banks. 
PenFed is the only one that has caused me to no longer wish to be a member of their credit union, period! 
I have several emails confirming this if necessary, even from the XXXX 's office.

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 2023-08-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Enclosed is a copy of my Identity Theft Report supporting my position? In addition, I am enclosing a copy of sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act ( FCRA ), which detail your responsibilities as an information furnisher to consumer reporting agencies in response to the Identity Theft Report I am providing. These enclosures also detail your responsibilities that apply in the event you receive from a consumer reporting agency notice under section 605B of the FCRA that information you provided to is the result of identity theft. 

Account Number XXXX Account Number XXXX XXXX XXXX  {$4400.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT SYNCB/AMAZON PLCC {$510.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 2023-08-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
I have been a card holder for going on 2years.Have not missed any due dates pay on or before due date.Have tried for a credit increase 4diffrent times.Was denied every time.Each time the response is negative with a different reason.When I ask were or how they get there information i am told there's no one who can tell me why or how they get the results.Also they tell me there's no number to speak to anyone about their response.I have spoke to 8 different people.They all Tell me the same thing.

Company response to consumer: Closed with explanation