vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
My complaint is about not being able to opt-out of spam marketing related to my Chase credit card. 

My time is precious and I should be able to opt-out of all marketing related to ( financial service ) business I have a " relationship '' with. I do have a Chase credit card. I do not want Chase spam. 

Reputable companies include a link at the bottom of their spam allowing a recipient to manage which emails are sent to them. Chase does not. They should. 

Here 's what's at the bottom of the " Good news : XXXX, you may qualify for more spending power if you update your income '' email I received ( and should not have received because I'm the consumer and I should be in control. ) NOTE : notice there are no links to unsubscribe or manage which communications I received - XXXX XXXX should be hauled in front of a congressional inquiry to answer for why his company does this. Seriously. Treat the consumer with greater respect and empowerment or don't do business in the XXXX. When I went to the chase.com/CustomerService, I wasted more time looking for the unsubscribe/manage communications link. It's not there and should be included directly in the email anyway even if it is buried somewhere on chase.com Email Security Information : Email intended for : XXXX For your account ( XXXX ) ending in : XXXX If you have concerns about the authenticity of this message, please visit chase.com/CustomerService for options on how to contact us. 

* TERMS AND CONDITIONS : Credit Limit : We may also refer to your credit limit as your credit access line or your credit line. 

ABOUT THIS MESSAGE You have received this email to give you updates and information about your Chase relationship. 

This email was sent from an unmonitored mailbox. Go to chase.com/CustomerService for options on how to contact us. 

Your privacy is important to us. See our online XXXX XXXX to learn how to protect your information. 

Chase XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. 

JPMorgan Chase Bank , N.A . XXXX FDIC 2024 JPMorgan Chase & Co . 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-25 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: GA

Complaint narrative:
I kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

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 2024-07-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX I received a phone call from the loan XXXX regarding the declined of the loan. 
I keep asking for the reason saying that was due to the FHA water source guidelines, and that I going to received information from Rocket Mortgage. 
the same day I went to the internet to do a research of those mentioned guidelines which I forward to the loan XXXX, and not response. I did asked for the appraisal also which we paid. 
He reply to my text saying " The Water source is considered to be from a spring, lake, river, sand-point, or artesian well '' is why it's ineligible '' On Monday XX/XX/XXXX I contact Rocket copy and the referred me to another loan XXXX who send me the declined letter which it say " *Collateral : Unacceptable property type '' nothing related to the water source. Again they reply to me to call XXXX representatives which I spoke to XXXX. XXXX told me that she will get back to me. When she did her reply was that was because the FHA and company guidelines which I reply that is not clear and if I can talked to the underwriter or other high management. Her reply was that no. 
I being in contact with FHA and they reply to asked the mortgage company for a written reason about why I was declined from FHA guidelines which until today no response. 
Today XX/XX/XXXX FHA referred me to file a company complain through Consumer Financial Protection Bureau XXXX FHA said very clear that the " Mortgagee must ensure that the water quality meets the requirements of the XXXX XXXX with jurisdiction? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: TomoCredit Inc.
State: AL

Complaint narrative:
TomoBoost is giving customers a difficult problem exiting the services when requesting cancellation from their product.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

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 2024-07-25 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: NJ

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete the following accounts. 
XXXXXXXX XXXX XXXX XXXX XXXX {$1300.00}, XXXX XXXX XXXX  XXXX {$600.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX XXXX XXXX {$0.00}, XXXX XXXX # XXXX {$0.00}, XXXX XXXX  XXXX {$63.00}, XXXX XXXX XXXX XXXXXXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-25 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: EQUIFAX, INC.
State: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to express my deep concern regarding the inaccuracies present in my credit report. Despite multiple attempts to address this issue and request thorough investigations into the disputed accounts, I have yet to receive any resolution or corrective action. The presence of these erroneous accounts is severely damaging my credit file and hindering my ability to live a normal life. 

The negative effects of these inaccuracies have caused immense hardships for me, impacting my financial well-being and daily life. I am left with no choice but to urgently plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial standing. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ive tried to call and explain and reason with all XXXX bureaus but they keep updating the incorrect information. Ive mailed equifax, XXXX, and XXXX XXXX dispute letters but havent received any letter or response by mail and its been well over 30 days. These agencies are in violation of 15 U.S.C. 1692G. They were to notify me of this in writing XXXX days prior, I was not.

5 inaccurate accusations of late payments. This is a billing error. Please correct this error immediately. This is misleading/inaccurate information, especially according to 15 usc 1666 , 15 usc 1666b , 12 cfr 1026.13.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-25 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ive tried to call and explain and reason with all XXXX bureaus but they keep updating the incorrect information. Ive mailed XXXX, Experian, and XXXX XXXX dispute letters but havent received any letter or response by mail and its been well over 30 days. These agencies are in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. 

XXXX inaccurate accusations of late payments. This is a billing error. Please correct this error immediately. This is misleading/inaccurate information, especially according to 15 usc 1666 , 15 usc 1666b , 12 cfr 1026.13.

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 2024-07-25 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:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AMERICAN EXPRESS COMPANY
State: KS

Complaint narrative:
I have initiated multiple ACH transfers from my American Express Serve checking account to my other checking account, XXXX. All XXXX transfers went " processing '' in the Serve online banking portal, then proceeded to not transfer funds. I confirmed that my XXXX account was verified on my Serve account. 

On XX/XX/XXXX, I called Serve to figure out why my XXXX transfers from XXXX and XXXX weren't successful. They did not have a reason, but instead advised that if any future XXXX payments are held up, I would receive an email requesting verification. 

On XX/XX/XXXX, I initiated a {$2000.00} XXXX transfer from my person Serve checking account to my other personal XXXX checking account. In my Serve online banking portal, it listed the {$2000.00} XXXX transaction as processing for ( XXXX ) days. 

Today, XX/XX/XXXX, I looked at my Serve online banking portal to see that the {$2000.00} pending XXXX transaction disappeared. It not listed under " Completed Transactions '' or " Active Transactions, '' however, my Serve account balance is {$2000.00} less than it was since initiating the transfer XX/XX/XXXX. 

I checked my receiving-funds bank, XXXX, and there is no record of the {$2000.00} XXXX transfer there either. 

I am extremely dissatisfied with Serve customer service because the only way to access their customer service line is by selecting the " card is stolen or damaged '' option in the automated phone system. I also have not received any email confirmations from Serve indicating these transfers occurred or failed, and I verified that my text and email communications with them were set to accept all. 

Serve 's options for money transfers are very limited if you want to transfer money to other people. I owe someone money, so that is why I've been trying to transfer money to my more user-friendly XXXX account. 

I've attached screenshots of my failed transactions from XXXX and XXXX. Because I submitted my XX/XX/XXXX transaction after my phone call with Serve, I assumed the issue was resolved, so I did not screenshot that XXXX, unfortunately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-25 00:00:00
Product: Credit reporting 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: MO

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation