vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-20 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: CA

Complaint narrative:
I filed a dispute with Experian and XXXX I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and Experian XXXX left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....

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 2023-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have several accounts at JP Chase Morgan. When I opened accounts with an employee who is no longer employed he assured me I would have no fees. We have business accounts that XXXX XXXX XXXX dollars in them and he said they would be linked and no fees at all. Without telling me he signed a number of my other business accounts up as platinum accounts with {$95.00} a month fees. Multiple times I have gone in to get these fees fixes and yet I continue to be charged fees. He refunded some of them but now the branch says they are limited by how many fees they can refund. Multiple times I have had to go into the branch to try to get these fees refunded and the accounts fixed or linked so I would not have fees all without success. The XXXX, FL branch promised multiple times to call me back and no one does.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-20 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: CA

Complaint narrative:
to whom it may concern, In accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-05-20 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: MI

Complaint narrative:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 4-5 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX  days of receipt, as this has been ongoing for over XXXX months.

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 2023-05-20 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: GA

Complaint narrative:
To whom it may concern : When I made the decision to use my rights under FCRA, it was with an eye on challenging any information found in credit reports that are not accurate. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal  law when they are negatively affecting me financially because of their accuracy or completeness. This Is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You must follow proper procedures it these claims are in your system and to be used in my credit reports challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you can't just decide which rules apply to your organization, so I won't let anyone report any false claims it's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/ claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified Information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name. Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I XXXX XXXX am a victim of identity theft please remove the fraudulent inquires from my credit report XXXX XXXX XXXX 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 2023-05-20 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: CA

Complaint narrative:
Delete this account in its entirety. Thank you, XXXX XXXX - account XXXX XXXXXXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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 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 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX was chapter XXXX bankruptcy which included students loans from the Department XXXX XXXX XXXX XXXX surprisingly the courts approved XXXX  XXXX bankruptcy to included my students loans. However were never removed off my credit report. 
Second XXXX  is still reporting negative marks off my information which I should be removed since XXXX. 
Multiple companies continue to pull inqury every month without my authorization paylease please remove it opens and close inqury twice a month for 3 years

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention a matter of utmost importance regarding the reporting of late payments associated with my account. It has come to my attention that you have been reporting these late payments to the credit bureaus, which is in direct violation of the provisions outlined in the United States Code ( 15 USC 6802 ). I am writing to demand that you promptly update the status of my account to " paid as agreed '' with the credit bureaus within four ( 4 ) business days from the receipt of this letter. Failure to comply with this demand will result in legal action, and I will seek charges of {$1000.00} per violation.

Section 15 USC 6802 ( b ) explicitly prohibits the disclosure of non-public personal information without the explicit consent of the individual. By reporting the late payments to the credit bureaus, you have breached this legal requirement, as I have not authorized the disclosure of such information. I kindly request that you cease any further disclosure of my non-public personal information and comply with the provisions of 15 USC 6802 ( b ) moving forward.

Additionally, I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which strictly prohibits the disclosure of experiences or transactions to non-affiliated third parties, such as the credit bureaus, without the individual 's consent. Given that the late payments are part of the account 's transaction history, their reporting to the credit bureaus violates the FCRA. I expect you to rectify this situation by updating the account status as demanded above. Company policy doesn't not supersede federal law. 

I urge you to take immediate action to correct this matter and ensure compliance with both 15 USC 6802 and the FCRA. Failure to do so will leave me no choice but to pursue legal remedies to protect my rights and seek damages for the violations incurred.

Please provide written confirmation of the actions taken to rectify this situation, including the date on which the account status was updated with the credit bureaus. You may send this confirmation via email or to the address provided above.

I appreciate your immediate attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent any further violations of my rights under applicable laws. 

Thank you for your prompt action in this regard. 

Sincerely, XXXX XXXX [ Account Number : XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am interested in processing disputes on my credit report with experian. I need to delete all inaccurate information on my credit report that is hindering my file. please review an delete the items listed to clear my 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 explanation
Consumer complaint received 2023-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The late payment on XX/XX/2022 ( XXXX XXXX  ) is reporting inaccurately and must be removed immediately! As I have been trying to do for over 90 days now!

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 2023-05-20 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XXXX XX/XX/2022 ha received a Vanilla gift card for XXXX dlls. On XXXX I used the gift card to pay some tickets for XXXX dlls. Last week I tried to use the balance of my gift card, but the I can't. When I call to the Vanilla company they told me that they had canceled my card possible fraud. I never have call to report any lost or fraud. 
When and ask what I need to do to claim my balance they told me that I need a picture of the card, and the receipt. 
When I explained to them that it was a gift that I dont have the receipt, they told me that if I don't have the receipt they can't give the balance of {$110.00} dlls. 
Is a gift card, I ask how many people give a gift card with the receipt? How many people keep a receipt after used part of the card? I need to ask a my company for a receipt when they bought one hundred cards for chritmas presents? Why? Why they canceled my card when I never call to notify fraud? 
Really, need your help, I think this is unacceptable, I can send a copy of my ID and the gift card but I dont have the receipt and I need my balance, I don't want to lose my money. Cordially, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In accordance with the fair credit reporting act XXXX  act # XXXX has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card or loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with XXXX and XXXX I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and XXXX XXXX left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....

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 2023-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with XXXX and Equifax I also left in comments of my dispute the reasons this account was inaccurate they did an investigation and XXXX Equifax left this item as updated which is a violation of CFPB of not 100 % inaccurate information once again my XXXX XXXX XXXX shows XX/XX/23 a {$470.00} balance. My account is closed and ( XXXX ) XXXX balance. 
DO NOT UPDATE ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The late payment on XX/XX/2022 ( XXXX XXXX ) is reporting inaccurately and must be removed immediately!

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 2023-05-21 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: NJ

Complaint narrative:
The problem is with XXXX XXXX XXXX XXXX. 

I live in XXXX XXXX, NJ. My employeer is also located at XXXX XXXX, NJ XXXX. The transactions attached and below are made so far from my hometown and these are not possible that I did and that confirm that XXXX XXXX XXXX XXXX has SCAMMERS to take money out from people cards. 

XX/XX/XXXX I didn't get my {$400.00} at XXXX XXXX XXXX ATM. The transaction was declined. 

XX/XX/XXXX I see the transaction was done by Someonelse stoling my money {$400.00} from the ATM located in XXXX so far from my home ) even is another state where I live and that day I was working, even I never go to XXXX. ( Attached are the transaction ) XX/XX/XXXX - XX/XX/XXXX Scammers are trying to taking more money at XXXX 's ATM ( XXXX XXXX and XXXX XXXX ATM 's ). So far from my house.. 

I have called thousands of times but nobody 's replied me back. And my dispute was declined without any written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
On the Date of XX/XX/2023, Affirm reported that I had an account open that was already paid off but they reported as late, No big deal tried to dispute it but Affirm marked the information as correct. Then on XXXX XXXX 2023 They marked the account as 60 days past due even tho affirm themselves when called had said the account had already been paid off - This dropped my score over 125 points with no reconciliation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On the Date of XX/XX/2023, XXXX reported that I had an account open that was already paid off but they reported as late, No big deal tried to dispute it but XXXX marked the information as correct. Then on XXXX XXXX 2023 They marked the account as 60 days past due even tho XXXX  themselves when called had said the account had already been paid off - This dropped my score over 125 points with no reconciliation

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