vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I had applied and have been approved for a Chase Marriott Bonvoy Visa card in XX/XX/year>. I started using the card and made payment on the account in a timely fashion and according to the credit card terms. On XX/XX/year> I received an email informing me that my new Chase account ( Marriott Visa card ) will be closing. Upon following up with Chase I found out that a letter is being sent out and although I had not received it, I did ask to speak to a supervisor or somebody who can provide an explanation. Nobody can tell me why my account is being closed, I even got a call from an executive today who read a script and confirm account closure but she said she does not have and can not disclose why my account is being closed. I believe I am being discriminated against and subsequently deprived of the opportunity to benefit from enrollment in various loyalty programs such as XXXX XXXX or XXXX XXXX with whom JP Morgan Chase is offering programs. I had exhausted the means to extract an explanation for reasons why my account is closed, nobody from JP Morgan Chase is willing to provide any kind of explanation, they just read a script and apologize for their inability to provide any details. My credit score is excellent and has been excellent for 10-15 years ( above XXXX ), I have no negative financial events or entries, no

bankruptcies, no other credit impacting history which could qualify me as a risk. I have credit cards and have obtained credit for all other banks and institutions I had applied with in the past so this situation with JP Morgan is unique. Noteworthy : I legally changed my first name 13 years ago, had applied for the credit card in question under my
current name ( XXXX XXXX ) but all communication from JP Morgan still addresses my as XXXX XXXX which leads me to believe that they have outdated and incorrect records for ssn and name validation. All my documents ( ID, Passport, SSN and everything show XXXX XXXX ). 

To make things even stranger is that thing is that I applied, have been approved and continue to have a Chase Auto Loan which is not being closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: CA

Complaint narrative:
Experian is reporting a negative account from XXXXXXXX XXXX on my credit report. This account and balance do not belong to me ; it is a case of fraud or identity theft. I have attached Letter # 4 from XXXX XXXX, which confirms this and requests the removal of the account. Please remove this invalid account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
In XX/XX/year>, I contacted Synchrony Bank regarding multiple credit card accounts ( Sam 's Club card ending in XXXX, Amazon Store card ending in XXXX, and HSN card ending in XXXX, PayPal as well as my JC Penney and TJ Maxx cards ) due to repeated credit limit reductions. These reductions occurred despite a record of 100 % on-time payments and strong account standing. This practice has resulted in higher credit utilization, negatively impacting my credit score, despite my responsible credit behavior. During the call, I expressed that these credit limit reductions seemed unfair, especially as they were based on factors not communicated to me, and despite my maintaining a perfect payment record. After my call, Synchrony placed an unauthorized statement on my credit report without my consent or prior notification. Over the past six months, my credit limits have been lowered three times, leading to increased credit utilization that has caused my FICO score to drop. I believe these actions are unfair and potentially discriminatory, as Synchrony Bank has taken these actions without regard for my consistent, on-time payments and responsible credit usage. I request that my original credit limits be reinstated and the unauthorized statement removed from 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 explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 SECTION A SECTION : It also states a consumer reporting agency can not furnish an 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 the 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 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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602 A states I have the right to privacy 15 U.S.C. 1681 SECTION A SECTION : It also states a consumer reporting agency can not furnish an 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 the 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 non-monetary relief
Consumer complaint received 2024-10-28 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: TX

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
I bought a white XXXX XXXX on XX/XX/XXXX from a dealership named XXXX XXXX in XXXX XXXX. I signed a XXXX year loan. I paid the last payment on XX/XX/XXXX which was the end of the loan based on the extensions I requested. So at the end of said loan, after my last payment was sent, confirmed and submitted based on Ally Financial Portal and its Representatives over recorded phone calls, Ally Financial then changed the ledger, created mark-ups and padding, and added {$3200.00} more dollars after the last payment had been received. After I requested over and over again, in writing, by way of certified letters, on the Ally Financial website portal and over numerous phone calls, Ally Financial refused to validate in detail the exact reasons for the additional amount due or where it came from. So I had to hire an accountant to review the account and review the Ally Financial ledger ( which they sent to me by XXXX ) My accountant could not justify the additional amount due as well. The accountant suggested that I request " an explanation '' So, I contacted Ally Financial and they still refused to " explain '' the amount due. Then I attempted to find a lawyer to represent me since Ally Financial said that they would only validate or negotiate the account with a lawyers office through their " Attorney Represented Client Department '' Throughout this entire time frame since XXXX of XXXX Ally Financial has been unable to confirm, explain nor validate their padded and marked up accounting ledger. They have severely damaged life byway of damaging my credit rating. I have been denied credit, denied loans, denied home loans. The credit report does not show the XXXX  years of payments. The only item listed on the credit reports and on all the bureaus is a balance of {$5400.00} The bureaus are no longer listing it as " in dispute '' The Bureaus show that I owe a balance with no details about the loan. Just because Ally Financial says so, without any validation, explanation or justification does not give the bureaus the right to destroy my life and continue to report fraudulent information. NOTE : In the past, Ally Financial has not prevailed with Class Action lawsuits relating to specifically " fraudulent padding and mark-ups on auto loans '' In addition, Ally financial sold itself to XXXX XXXX  XXXX XXXX of XXXX for XXXX XXXX, which means that Ally Financial no longer exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
In XXXXXXXX XXXX XXXX, I notified the company that I will be paying off the loan in XXXX and asked not to disburse property taxes as I wanted to pay them myself. Immediately after I received a letter saying that they don't have a copy of my insurance. I've uploaded a copy of the insurance and have an email confirming the upload. Yet in XXXX they've placed lender insurance in amount of {$4800.00}. I noticed it when I went to pay off the loan on XX/XX/XXXX. I've called and talked to their representative and he said that they did have my insurance for XXXX, but were missing insurance for XXXX and XXXX. So I've emailed them copies of that insurance together with copies of invoices and receipts and have received a letter dated XX/XX/XXXX that they will cancel lender placed insurance. Originally the guy said I will receive the refund within a week, but when I didn't get the money and started calling every other day, they told me that it might take up to 15 business days. On XX/XX/XXXX I finally asked to talk to the supervisor. The supervisor said that they don't have my policy for XXXX. So I've emailed him all of the policies together XXXX. He said I will get the refund this week. On XX/XX/XXXX, I got a partial refund XXXX, but not the full amount. When I called again, the representative said that I need to wait 15 business days from XX/XX/XXXX to receive the refund and couldn't tell me why they didn't refund the full amount.

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 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: AL

Complaint narrative:
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 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: NY

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 15 USC 1681s-2 they are suppose to 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 non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

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 2024-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX, XXXX Subject : Request for Validation of Debt Account XXXX Dear XXXX I am writing to formally request validation of the debt reported by Midland Credit Management , Inc. ( Account Number : XXXX ) as reflected in my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any debts listed on my credit report. 

Account Details : Creditor : Midland Credit Management , Inc . 
Account Type : Factoring Company Account Original Creditor : XXXX XXXX. 
Balance : {$5100.00} Date Opened : XX/XX/XXXX Pay Status : Collection Estimated Removal Date : XX/XX/XXXX Request for Validation I dispute the validity of this debt for the following reasons : Lack of Detailed Documentation : I have not received adequate documentation proving that I owe this debt or that Midland Credit Management has the authority to collect on behalf of XXXX XXXX. 

Potential Inaccuracy : Given the significant amount, I request detailed statements that validate the original debt, including the payment history and any correspondence regarding this account. 
Request for Action Please provide me with the following : Verification of the debt, including the original signed agreement with XXXX XXXX. 
A detailed account statement showing the balance owed, payment history, and any fees or charges added. 
Documentation confirming Midland Credit Managements right to collect this debt.

Suspension of Reporting As per the FDCPA, I request that you remove any reporting of this account until you have provided the requested validation. 

I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing and sending this complaint with absolute certainty and extreme frustration, there are a lot of errors on my credit report that I just can not ignore anymore as this has been negatively impacting my life and credit score making me unable to achieve financial freedom and stability.

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 2024-10-28 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: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

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