vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I send {$600.00} to XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXn XXXX fromJP Morgan Chase Bank at XXXX XXXX XXXX in XXXX NJ XXXX XXXX XXXX XXXX XXXX and it was promised to arrive at XXXXXXXX XXXX of XXXX XXXX XX/XX/2023. Today is XX/XX/2023 and the money has not rrived at the bank as of now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
The said bank charged me XXXX dollars in overdraft fees -- -- -the account was in the positive -- -- Chase does not respect veterans at all -- -- -- -- -- -- -- -- ----

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Did not apply for any credit service with this bank or allowing them to pull my credit without permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
The loan officer ran my credit several times during the application process which lowered my score significantly. On the day I was to be approved for my loan another person in the company took over my loan application and found it necessary to run my credit yet again causing my score to drop below their threshold. In turn, I had to pay an additional XXXX down payment. When I asked why they kept running my credit they explained that the credit bureaus would see this as rate shopping and it would not affect my credit. Ive tried numerous times to resolve this with the mortgage company with no response at all. I recently found out that when I was approved for the loan they were supposed to report this to the credit bureaus which they never did. I believe this is predatory lending practices and that I should not have had to put an additional XXXX down due to them being responsible for lowering my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EGL US, LLC
State: IL

Complaint narrative:
I applied for the Appartmment at XXXX XXXX XXXX and the XXXXXXXX XXXX XXXX did a background check on me and a whole lot of inaccurate information popped up on my report, I applied on XX/XX/. The information that populated was BMG money inaccurate, XXXX XXXX inaccurate XXXX XXXX inaccurate, XXXX XXXX-Inaccurate -- XXXX XXXX XXXX XXXX  -- fraud -- Inaccurate, I have inaccurate information being reported more than once over and over again, XXXX XXXX  XXXX- should not be on my credit report XXXX XXXX owe nothing

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I have two accounts one ending in XXXX the other one ending in XXXX. I received pretty much identical letters today stating that you have reduced my credit limit. And Im not talking about just reducing it a little bit. For example the card ending in XXXX you went from {$11000.00} down to {$300.00}. Some of your reasonings are that I have a late payment I have just looked at all three of my credit reports. I dont know what youre talking about. Could you please show me where youre finding this late payment because I cant find it. I scoured every single credit report and can not find where Ive ever missed a payment anywhere ever. I think you tell me that payment to low relative to balance on Wells Fargo credit card last six months I have a XXXX balance what are you talking about so you lowered my credit limit because I have a XXXX balance. Please explain yourself in detail and in writing, and because your reasonings dont add up, they just arent truthful. Youve also listed that I near my credit limit on other cards. I looked, and I will admit theres two cards that are I guess you could consider relatively close to the credit limit theres still thousands left but were getting close to that I guess, but I also havent made a payment this month yet either. So obviously, those balance will decrease the rest of the cards. Do not have that large balance. A lot of them have a XXXX balance just like my Wells Fargo card ending in XXXX the other credit card ending in XXXX. You pretty much used all the exact same excuses. The only difference here is that I do have a {$400.00} balance on the card {$400.00} has literally been on the card for less than a month. How can you determine how much Im going to pay or how quickly Im gon na pay that {$400.00} off if we literally the balance has been there for less than a month.

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 2023-05-02 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: SC

Complaint narrative:
On XX/XX/2023, I sent letters to the credit bureaus requesting that accounts on my credit file be investigated. USPS Tracking numbers for the letters are as followed : ( XXXX, XXXX, XXXX ). After waiting and finally receiving the results of the investigation I noticed that on an updated credit report these accounts were still showing inaccurate information. The credit bureaus stated they did complete investigations, but how is this possible when information on the same account is different amongst the three bureaus? 

XXXX XXXX # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Balance Owed, Closed Date, Account Rating, Last Payment, and Past Due Amount are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

US DEPT of Education # XXXX How is this account accurate when the Last Verified, Date of Last Activity, Date Reported, Date Opened, Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, Closed Date, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX XXXX # XXXX How is this account accurate when the High Balance, Last Verified, Date of Last Activity, Date Reported, Date Opened, and Last Payment are clearly inaccurate? This is grounds for removal. 

XXXX XXXX # XXXX The credit bureaus have violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instruction.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receive my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if items are found inaccurate of can not be verified, the consumer reporting agency shall promptly delete the information from the file of the consumer. 

Attached will be the certified mail receipts, proof of purchase, the letter, XXXX Credit Report, investigation results, XXXX 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 2023-05-02 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: Motolease, LLC
State: CA

Complaint narrative:
I am in possession of the documents submitted by Motolease as proof that I obtained a lease from them. They did not provide anything with my signature, nothing showing they verified my identity other than a drivers license which is not proof that I am the lessor. The email does not match my name and they did not provide any proof that I consented to their company sharing my private and personal information with a third party, including credit reporting agencies. Please provide documentation of this consent to share private information with third parties or assume you do not have any. The consent must be signed separately from the lease per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear, Transunion Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts : XXXX XXXX XXXX XXXX Account Number : XXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form 1099C as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2023-05-02 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: IL

Complaint narrative:
I was never late in these accounts so I'm confuse on why this is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Applying for a mortgage and being denied.

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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing this complaint to EQUIFAX. I already informed them of the reasons why I was late in my payment and sent them the proof but they are ignoring it and I also sent them a letter regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting.

My rights have been violated numerous time

s. 15 U.S.C 1681 section 602 A. States that 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I sent you a letter last XX/XX/XXXX  but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

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 2023-05-02 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: WA

Complaint narrative:
I am requesting that this inaccurate account be removed from my credit report as it is not mine and is the result of fraudulent activity. I implore you to take appropriate action to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX TRANSUNION XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXXXXXX  Last 4 of SSN : XXXX I am writing to request the removal of inaccurate and unfair information from my credit report. The information in question has been negatively impacting my credit score and is not an accurate reflection of my creditworthiness. 
The following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL INFORMATION INCORRET NAME : XXXX XXXX, XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I believe that the information is inaccurate because 15 USC 1681 section 602 A states That I have the right to privacy. This inaccurate information has been unfairly reported to the credit bureaus and has resulted in a lower credit score than I deserve.

I have attempted to resolve this issue with the creditor, but they have been unresponsive and have not taken any action to address the inaccurate information on my credit report.

I am requesting your assistance in resolving this matter. Under the Fair Credit Reporting Act, I have the right to dispute inaccurate information on my credit report and to have that information corrected or removed.

I request that you investigate this matter and take appropriate action to ensure that the inaccurate action to ensure that the inaccurate information is removed from my credit report. I would appreciate it if you could provide me with a written response outlining the results of your investigation and any actions to address the inaccurate information.

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 
Sincerely 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 2023-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
The week of XX/XX/XXXX, we visited the Bank Of America in XXXX XXXX, MD as when I had looked online it was indicating my account was closed. The manager told me she didn't know why the account was closed but we could call XXXX to find out more details. When I called, I was informed that a letter had been mailed to me, which I never received and that a check for the proceeds in my account will be forthcoming. I have yet to receive the check, I have called BOA numerous times, to no avail. Today when I called they indicated I would have to wait 121 days from the date the check was mailed to have the check reissued. I am XXXX XXXX XXXX, that lives paycheck to paycheck, I can not wait over 4 months to get my funds from Bank of America and find this unreasonable. how do these large financial institutions get away with holding my hard earned money for such a long period of time, this is just unethical and their policy should be changed to better protect consumers. The day the account was closed was XX/XX/XXXX, the check was mailed XX/XX/XXXX, and it was for {$1800.00}, I can no longer access my account, nor statements online and quite simply don't understand how this type of unfair service can happen and leave me without a banking relationship, nor cash to facilitate bill payments.

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 2023-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to assert my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and demand a thorough investigation and prompt correction of a collection account that has been paid in full but continues to be inaccurately reported on my credit report as " payment after charge off/collection. '' Your immediate attention to this matter is required, as the continued presence of this inaccurate information is causing significant harm to my financial well-being. 

The collection account in question is as follows : Creditor : Walmart Account Number : N/A I have paid this collection account in full, and the outstanding debt has been satisfied. Despite the fulfillment of my financial obligation, the account still erroneously appears on my credit report as " payment after charge off/collection, '' which is an inaccurate representation of the account 's status. 

Pursuant to the FCRA, I demand that you initiate an immediate and comprehensive investigation to verify the accuracy of this collection account. Should you fail to substantiate the validity of this account or correct the inaccurate information, I insist that you promptly update the account 's status on my credit report to accurately reflect that it has been paid in full. 

In accordance with the FCRA, you have 30 days from the receipt of this letter to complete your investigation and provide me with the results in writing. If your investigation substantiates the inaccuracy of this collection account, you are legally obligated to correct the account 's status on my credit report and notify me of the changes made. 

I expect your agency to fulfill its legal obligations under the FCRA without delay. Failure to do so may result in further legal action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XX/XX/2023, i contacted XXXX XXXX to dispute identification records as well as public records like bankruptcy information. I called in XX/XX/2023, and they informed me that all information including bankruptcy records were deleted and my consumer file has been updated. I tried disputing the information with all 3 buraus but they do not want to delete the information. On their websites it states that they get their information from 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 2023-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: IN

Complaint narrative:
RENT RECOVERY SOLUTIONS is attempting to collect an alleged obligation on behalf of AT XXXX XXXX. RENT RECOVERY SOLUTIONS on the consumer credit report ( this is the 3rd time ive gotten XXXX removed and it keep reappearing ) per my knowledge there is no legal binding contract bearing my signature to contract with RENT RECOVERY SOLUTIONS. the original creditor XXXX XXXX XXXX XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX was paid in full via the negotiable instrument provided to XXXX XXXX XXXX XXXX during the signing of MY LEASE. per the bankruptcy act of 1933 congress gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of XXXX. Per the debt collection laws RENT RECOVERY SOLUTIONS is in violation of the FDCPA, XXXX as the alleged debt as been satisfied. RENT RECOVERY SOLUTIONS and XXXX XXXX XXXX XXXXXXXX is in violation of 16 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. RENT RECOVERY SOLUTIONS has committed identity theft as no permission was granted to house my personal information within their database. ALSO XXXX XXXX XXXX IS TRADEMARKED ON USPTO AND HOLD A COPYRIGHT and never gave RENT RECOVERY SOLUTIONS a license to use the mark. A invoice is attached

Company response to consumer: Closed with explanation