vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-21 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: GA

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 2024-10-21 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on 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 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 explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have requested Experian update my Address and they update partial of my Address I am Asking Again to have my address updated I have Mailed DL/proof of address to XXXX Disputes.I also enclosed documents verifying my Address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase issued XXXX balance transfer checks on two of my Chase issued credit Cards. I deposited the Chase issued check, account had enough credit available, and Chase returned their own check causing my checking account to be overdrawn. First attempt via the call enter was useless. Next step was a visit to the local branch. I spoke with a CSR they called both Chases credit card center and the deposit checking team to be told the checks need to be negotiated inside the branch and the CRS had to call the credit card division to obtain an approval code. Nothing ion the material provided by Chase spoke of these requirements. 

Since the check was with Chase processing and they could not use the original check to issue the approval code I used another check on a separate Chase credit card account to deposit. The CSR obtained the approval code wrote on the face of the check and deposited it. The next day that check was also returned by Chase continuing the overdraft on my account in the amount of {$5500.00}! Back to the same branch I went for a second time to try and resolve the issue. The CSR looked at my account and said the funds would be available in the next 24-48 hours. Today I received a text message from Chase that my account was overdrawn. The same CSR that assisted me the first time I went to0 the branch assisted me again today. Only after being persistent, did he get to a Credit Card supervisor who said Chase DID NOT issue me any checks on the one credit card when clearly, I has the letter and additional check in my possession and the second check that was returned was issued to the account that they claim never had checks issued on it. Only due to my insisting to speak with the credit card supervisor did she tell me that Chase was having a SYSTEMIC internal issue with the convenience checks it issued and all of them are being returned. They never had the presence of mind to let their STAFF ON THE FRONT LINES AT THE BRANCJED KNBOW OF THIS ISUUE! 

Now they stated they will credit back any NSF items I paid electronically but my Mortgage and other bills will be reported to the credit reporting agencies as delinquent. 

Chase stated this is a SYSTEMIC issue and therefore more consumers will be facing the same issues I did. In addition, the branch personnel have no idea how to resolve these issues as Chase corporate operations never advised the branched is the issues. Most likely to avoid the issue being made public. There must be some form of administrative action including assessing Civil Money Penalties against Chase and also have Chase issue a public notice that any overdrafts were due to their internal system errors to the public. 

I can be reached at XXXX or XXXX to discuss this matter further. I pray the CFPC will take swift action on this matter. 

XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
XX/XX/XXXX I applied for a XXXX XXXX XXXX American Express Card. I was denied and asked American Express to reconsider there decision and today XX/XX/year>2024 I received another denial from them stating I cant get this card. When u called I talked to various agents and also the managers also. I was told I had to wait 5 days for a decision and I guess this was the decision. This company has discriminated against me under the Equal Credit Opportunity Act 15 U.S.C. 1691-1691f Links https : //www.ftc.govhttp : //uscode.house.gov/view.xhtml This Act ( Title VII of the Consumer Credit Protection Act ) prohibits discrimination on the basis of race, color, religion, national origin, sex, marital status, age, receipt of public assistance, or good faith exercise of any rights under the Consumer Credit Protection Act. The Act also requires creditors to provide applicants, upon request, with the reasons underlying decisions to deny credit. The Dodd-Frank Act added, among other things, a requirement that creditors provide to applicants a copy of all appraisals and other written valuations used in connection with the applicants application for first lien loans secured by a dwelling. I asked them a simple question if a person with a XXXX credit score applys for a card and a person with a XXXX score applied for a card who would get the card. The guy did not want to answer this question ignored it really because he knew the answer. They do not let anybody with lower scores to actually get cards with them unless its a prepaid card that you need to pay them to actually use the name of American Express. Anyone with a score lower then XXXX cant get cards approved from American Express. They stated the reasons were 1. I have serious delinquencies 2. There are fewer accounts currently paid or agreed 3. The length of time your accounts have been established. 4.There is no recent information about installment loans on your report. They are not reasons under the Equal Credit Opportunity Act to denie a person its supposed to be equal credit where is the equality at. 

Ref : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection : XXXX XXXX XX/XX/year> {$8800.00} Personal Information : NAME : XXXX XXXX XXXX XXXX KNOWN AS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EMPLOYER XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: DISCOVER BANK
State: MA

Complaint narrative:
I've been getting alerts for new account inquiries from Discover via the SSN protection program. I do not recognize these activities and have contacted Discover for additional details. I was advise to file a fraud report with the credit bureau for further protection

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
I've been getting alerts for new account inquiries from XXXX via the SSN protection program. I do not recognize these activities and have contacted XXXX for additional details. I was advise to file a fraud report with the credit bureau for further protection

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-21 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: CA

Complaint narrative:
Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account.

Account Type : Home Equity Creditors Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Late Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account.

Account Type : Home Equity Creditors Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: GA

Complaint narrative:
I am a XXXX % XXXX veteran from the XXXX war. We purchased our home in XXXX, GA in XX/XX/XXXX. The original lender was Guaranteed Rate mortgage. In that same month ( XX/XX/XXXXXXXX  ), I filed for Homestead Tax exemption with my county, XXXX XXXX Georgia. The Homestead Tax exemption was approved ; however, I would have to wait until the next tax year started and appraisals were out ( XX/XX/XXXX ). I received my Homestead Exemption from XXXX XXXX tax assessor 's office on XX/XX/XXXX. I promptly faxed/emailed/and mailed Selene Finance Company a copy of this letter so that it would be applied to my mortgage and escrow account. After waiting until XX/XX/XXXX, I contacted Selene Finance to see if they have received my documents. They stated that they did not receive any documents. I then sent the documents again to Selene and they said they have all that they need to process this Homestead Exemption. XX/XX/XXXX, I contacted Selene Finance LP once again to see the status of my Homestead Exemption, as it was not reflecting on my mortgage statement. They stated that they needed to wait until " The taxes were released in XXXX for XXXX XXXX ''. I called my county tax assessor and county tax commissioners office this day, they stated that this information is false ; ALL TAX INFORMATION for XXXX had already been released -- hence the Homestead Exemption approval letter that I had received. I have spoken to supervisors, repeatedly from the Tax department, and also the Escrow department. They have no explanation as to why my Homestead Exemption has NOT been processed, they also have NO explanation as to why my mortgage is now {$1000.00} more a month. I can not afford to pay this mortgage on my income.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I can't cancel Experian membership online since they only allow cancellations via phone number. When I call number, I'm in a loop and can't cancel the membership. I called several times but was disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Certified mail was received on XX/XX/year>. I reviewed my consumer report and noticed eight late payments on an account I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability, with maximum accuracy. I have never been late on payments for the account.

Account Type : Home Equity Creditors Name : XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date of Late Payment : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Please investigate and provide proof with statements showing those payments were late. If proof can not be provided, I demand these payments be updated to on time as they should be, as I was never late. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
his account is reporting inaccurate information on my consumer report. I have disputed this account with the company and they have failed to do a proper investigation. This account is being reported on my consumer report without my consent and causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: AZ

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 2024-10-21 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: MI

Complaint narrative:
Please delete this erroneous Bankruptcy from my credit file immediately. This IS NOT my account. 

See : Attachment FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-21 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XX/XX/XXXX Letters were sent out to clear the inaccurate and unfair credit reporting methods that were being used which the consumer agency just replied back with being verified. This result is very unequitable and is affecting my reputation in a negative way because it clearly states in XXXX XXXX XXXX ( c ) that if a consumer notifes a debt collector that a consumer refuses to pay a debt that the debt collector must cease all communication. it reporting to my consumer report is a form of communication and that is CLEARLY A VIOLATION.

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