vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

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. 

XXXX XXXX Account Number XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXXXXXX : XXXX : XXXX XXXX Acct # XXXX, XXXX XXXX Acct # 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 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 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 2024-04-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: FL

Complaint narrative:
I am a Veteran and XXXX XXXX XXXXXXXX. During the closing of my new home, I told them I was exempt from paying taxes here in FL. They told me I could go to the government office and ask for documents. I went and sent the documents. However, the lender was transferred to an unknown company I had never heard of. I called many times to explain the situation, but they have not responded. Even my wife called to get this resolved before paying this month 's mortgage, and I lost connection, and they never called back or sent emails or anything. Why do I have to pay more taxes than I don't have to pay? I want them to resolve the escrow amount because taxes are wrong or to request an escrow waiver. This lender is currently unresponsive. I have never had any issue with other lenders before

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a tent from XXXX, but later returned it on XX/XX/2024. According to the merchant 's website, they received my returned item, but never issued a refund. I contacted Chase and disputed the purchase, and they reviewed my case on XX/XX/XXXX. However, on XX/XX/XXXX, they received information from the merchant and determined that my dispute was not valid. 

I contested this decision by uploading evidence on XX/XX/XXXX, but without requesting any further information, the system automatically sent me an email on XX/XX/2024 stating that the " transactions you disputed are valid. '' Confused by this outcome, I contacted customer service, but they were unable to explain why my dispute was rejected.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: MD

Complaint narrative:
I am a natural person and a real living human being and I have the right under 15usc 1681. Equifax is governed under 15usc1681 and they violated my rights numerous times and I demand the accounts listed below be removed because according to 15usc1681 i have the right to privacy and I did not give equifax written permission to furnish these accounts. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
There is an item that Portfolio Recovery Associates is reporting to all 3 credit reporting agencies on behalf of a debt for XXXX  XXXX in the amount of XXXX dollars that is more that XXXX XXXX XXXX. I don't even know if the debt is mine, but I haven't done business with XXXX XXXX in more than XXXX  years. By law, this debt it too old to be on my credit report. They are reporting that this debt started to become delinquent in XXXX of XXXX. There is no way that this is possible. I disputed this in XXXX of XXXX and XX/XX/XXXX and they continue to lie about it. Each month they reporting that the account became delinquent that month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I recently did a credit report and realized when someone stole my identity. About 5 years ago someone stole my social security. Doing a credit check XX/XX/2024 I see that they're multiple things in my name credit cards, cars and other things

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Synovus Bank
State: DE

Complaint narrative:
I have reached out to First Progress Card ( Synovus Bank ) because they are inaccurately reporting an account as a current charge off in XXXX and XX/XX/XXXX but the account was closed and paid in XXXX. I reached out to First Progress to have this corrected. They stated they updated my credit report but did not correct my XXXX report. I have been waiting for over 30 days for this correction to be made and at this point I have missed out on opportunities to open a checking account and other credit products because this reporting that First Progress admitted was incorrect has dropped my credit score by over XXXX points. This unfair reporting is now impacting me financially. I have filed a credit dispute and filed with the BBB with no correction to my report. Attached is the letter from First Progress admitting the information was inadvertently reported. Please delete this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: IN

Complaint narrative:
have tried to dispute these problems but no result has been given other than the runaround. will not process my complaint and this is hindering my livelihood

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-14 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: MO

Complaint narrative:
Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXXXXXX XXXX Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders.

Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report.

I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion.

Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Thank you so much for your time.

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 2024-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2024, XXXX, I called Indigo Master Card, Concora Credit XXXX by XXXX XXXX XXXX XXXX,,, XXXX, XXXX, XXXX, I was on hold until XXXX. Rep XXXX answered. She verified me. I asked what are their XXXX XXXX Fees, their ATM Fees & I asked for their terms & conditions. She couldn't answer my questions. I asked for a supervisor. She rudely said she knew what supervisor would tell me & Interrupted me twice. At XXXX she transferred me to a supervisor, who answered at XXXX : XXXX. 
XXXX, the supervisor, told me they have no Bal transfer Fees, which I think is incorrect information. She said their ATM Fees are, 1 cash withdrawal per day & maximum of {$100.00}, with no fee of their own. She stated the ATM owners charge fees, but wouldn't tell me which ATM networks they use for free. Since she, & her subordinate XXXX didn't seem to know anything, I requested the issue be escalated to someone who could do some research & give me that XXXX. She said she'd escalate the issue to the back office. She couldn't provide me a conf # for escalation, or issue. She said I have to call back in 5 days. I also asked them both how I could get their terms & conditions. I said I had ordered them from their website, but they would be sent via XXXX, which XXXX take up to 30 days to arrive. 
I told her that their company already charged me the anual fee of {$75.00}, but I am not able to use their card since I have no Idea what their fees are, because they didn't Include terms & conditions In the welcome package. She told me to wait! I told her I will report them to the US gov for not providing me this information, or their terms & conditions in a timely manner. The call ended at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: MO

Complaint narrative:
Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXXXXXX XXXX XXXXXXXX FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders.

Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report.

I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion.

Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response.

Thank you so much for your time.

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
EQUIFAX, XXXX, and XXXX are all in violation of my consumer rights by reporting bankruptcies on my consumer report without having permissible purpose to do so and without ACTUALLY doing their job according to the FCRA. The law clearly states that they must follow strict guidelines and procedures to ensure that all reports are the same and 100 % accurate. Keep in mind they are contractually obligated to accurately maintain my consumer files and reports. The U.S. government entered into an agreement by allowing them to assume the role of maintaining our consumer reports ( 15 USC 1681 ( a? ) ( 3 ) ). They have greatly harmed my banking abilities which are critical in order for my to attend to my everyday course of business as a consumer which includes my household purposes ( 15 USC 1681 ( a ) ( 1 ) ). Pursuant to 15 USC 1681 ( a ) ( 2 ) my reputation has been harmed, and my character has been assassinated. Pursuant to UCC 1-201 ( 1 ) ( 2 ) as the aggrieved party I am allowed to take action and pursue remedy for the violation of the agreement which was made with congress and myself to perform their duties. Each credit reporting agency named above has failed to do so. Each Credit reporting agency has stated that the furnisher has validated the information being reported. The furnisher was reported to be the courts but I have already submitted documentation from the courts that says that this statement is false and misleading due to the fact they do not furnish data. Then each agency said that XXXX a secondary reporting agency furnished the data. XXXX has provided documentation stating this to also be a false and misleading statement. This is a clear violation of UCC 9-506. 15 USC clearly outlines how my consumer report is a critical instrument used in the banking system to allow myself an investor in this banking system access to my XXXX given right under our constitution as a natural person to credit. It is imperative that this financial report which illustrates my credit worthiness to the banks is 100 % accurate. My consumer files are my real property and the consumer reports are fixtures so related to my real property. This is why as the transmitting utility the accuracy of filings ( my consumer files ) are of the utmost importance to me ( UCC 9 -102 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: IN

Complaint narrative:
have tried to dispute these problems but no result has been given other than the run around. will not process my complaint and this is hindering my livelihood

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 2024-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone used my social security information to secure loans and products from XXXX XXXX for XXXX TD Auto finance for XXXX and Capital One for XXXX fraudulently. I submitted XXXX police reports six times 6X 's to the agencies and Major XXXX XXXX XXXX XXXX, XXXX, XXXX and XXXX with Notarized Affidavits sent certified postal service that continue to not be unacknowledged and acted upon.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: Collection Service of Nevada
State: GA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your Company notice pursuant to 15 USC 1602 ( k ) that your Company failed to provide adequate notice, as required by law, which clearly and conspicuously mentions the pertinent facts of this transaction. Your Company didnt even inform me about the Cost of Credit, and the only evidence of the indebtedness provided was just a computer-generated agreement.

According to 15 USC 1802 ( K ), the term " adequate notice '' means a printed notice to me that sets forth the pertinent facts clearly and conspicuously, ensuring that a person could reasonably be expected to have noticed it and understood its meaning. Such notice could have been given to me by printing the notice on each periodic statement of account issued to me, or by any other means reasonably assuring the receipt thereof by the account holder.

Since adequate notice was not provided as per the above-mentioned section, I was unable to understand its meaning, constituting a violation under 15 USC 1602 ( k ).

Furthermore, pursuant to 15 USC 1601 ( a ), a consumer must be aware of the cost of the transaction. Since I was not made aware of the transaction, I made an uninformed decision which resulted in multiple billing errors and unfair credit card practices.

As per 15 USC 1602 ( p ), I have not benefited from this transaction, which is again a violation. The term " unauthorized use '' as defined by 15 USC 1602 ( p ), refers to a use of an account by a person other than the account holder who does not have actual, implied, or apparent authority for such use and from which the consumer receives no benefit.

I hereby request the following : DELETE THESE ACCOUNTS OFF MY REPORT AND VALIDATE THE DEBT USING 15 USC 1692G ( 4 ) XXXX XXXXXXXX COLLECTION SERVICE/NEVADA XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO UPDATE THE LATE PAYMENTS FOR XXXX, XXXX  XXXX  TO PAID ON TIME If you accept my request, I will not escalate this matter to Federal Court. However, if you do not accept the above requests, legal action shall be taken against your Company for compensatory damages. 
Thank you for your attention to this matter. 

Sincerely, : XXXX XXXX XXXX. 

All Rights Reserved Without Prejudice UCC 1-308

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 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: FL

Complaint narrative:
n accordance with the fair credit reporting act.The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. XXXX 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 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 records of convictions of crimes which antedates the report by moreover 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 explanation
Consumer complaint received 2024-04-14 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: NY

Complaint narrative:
I am formally contesting and urging the immediate removal of a fraudulent account from my credit report. This dispute arises from a case of identity theft, for which I have filed reports with both the Federal Trade Commission and my local police department. The bank has acknowledged the legitimacy of the identity theft report and acknowledged a potential system glitch that may have hindered access to records. They have assured me that the fraudulent account will be promptly removed, as it has been erroneously present on my report for over five years. 
. Furthermore, I have contacted the bank associated with the fraudulent account. 
XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been trying to get the rest of my money from Bank of America EDD prepaid card I was in the hospital for a year and I never authorized anybody else to use my card and I was unaware of cards activated with my credentials I still had the original card I thought was the only card until I got out of the hospital and then I didn't even get into my account for a year later cuz I was locked out when I finally got my account back I realized there was tons of activity that I didn't do they have repaid me very little of the transactions made but keep denying these last four claims I have and it was from XXXX XXXX to XXXX so it's been a long time I have hospital I have a hospital letter for my doctor proving I was in the hospital for dates of the transactions

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