vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my 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 2023-11-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Duvera Billing Services, LLC
State: FL

Complaint narrative:
Went ti this company to apply for a load to get my truck fixed was approved for {$2700.00} at a interest rate of 179 % this is criminal

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I applied for an auto loan with XXXX. XXXX pulled my credit report from Experian and they denied my car loan stating that : - I have insufficient or lack of income ( Not true- I have been a XXXX employee since XXXX with a salary of {$130000.00} yearly ). 
-Serious Delinquency ( Reviewed Experian and I don't see any delinquencies on report ). 
-Time Since delinquency ( Reviewed Experian and I don't see any delinquencies on report ). 
- Too many inquires in the last 12 months ( Reviewed Experian and I don't see too many inquires on report ). 
Credit score shows XXXX ( When i review my credit score online it shows XXXX ) This happens a lot with Experian and its causing me a hardship. Please, help me fix this. 

I have attached copy of my current Experian score as XXXX and a copy of the denial letter.

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 2023-11-07 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: AR

Complaint narrative:
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.

Please assist me with removing this fraudulent account from my credit report. I have this account on my credit report that was not authorized by me. 

Company : XXXX  Date Opened : XX/XX/XXXX XXXX  Amount : {$6000.00}

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 2023-11-07 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: AR

Complaint narrative:
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.

Please assist me with removing this fraudulent account from my credit report. I have this account on my credit report that was not authorized by me. 

Company : XXXX Date Opened : XX/XX/2023 Amount : {$6000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX authorized ATM transaction totaling {$520.00} was withdrawn from my account. I reported it to the fraud department immediately upon realizing my debit card was stolen and my XXXX compromised, 4 hours after the transaction took place. Chase Bank almost immediately denied the claim, with little to no explanation. I need that {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
Accordance with the Fair Credit Reporting Act this creditor has violated y rights under 15 USC 1681 section 6 o2 states I have the right to privacy ( 15 USC 1681 ( section6 o4 section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666ba creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am re-sending this letter as it appears that my previous correspondence via mail sent to your head office did not reach you, as there was no response from your end. I have been anticipating a reply for the past months, but unfortunately, there have been no updates from your agency regarding the following accounts : -- -- -TransUnion XXXX -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX of this year, I began a dispute process with Wells Fargo over a charge-off account that has been inaccurately reported on my credit report for over a year. I sent out two dispute letters via certified mail, one on XX/XX/23 and another on XX/XX/23, stating that Wells Fargo has not only inaccurately reported this charge-off account, but has also sold the debt to XXXX XXXX XXXX and XXXX XXXX without informing me. Despite providing them with all necessary information, including the full account number and documentation from my Wells Fargo online banking portal, they have been unresponsive and uncooperative. They have continued to report the account as if they still own it, even after selling the debt, and have failed to properly address my dispute. In fact, they have sent me letters stating that they do not know which account I am disputing, despite the clear and detailed information provided in my letters. This has been an ongoing issue since XXXX, and despite updating the credit bureaus that the account is in dispute, Wells Fargo has yet to take any meaningful action to resolve the situation. 

This ongoing dispute with Wells Fargo over the inaccurate reporting of a charge-off account has been causing me significant stress and XXXX. I am fearful that this issue will never be resolved, and it has already begun to have a negative impact on my financial situation. Because of the inaccurate reporting, I have experienced credit denials, making it difficult for me to secure the loans and credit I need. This has added to my stress and XXXX as I am unsure of how to move forward and resolve this issue. I feel helpless and frustrated, and I am concerned that Wells Fargo 's lack of responsiveness and cooperation will continue to hinder my ability to improve my credit and financial standing.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST PORTFOLIO SERVICING INC
State: MI

Complaint narrative:
TOTAL VISA/XXXX aka Total visa 1 charged off the debt so they got paid for it 2 they have my balance wrong how I owe almost XXXX dollars and the card was XXXX limit. Also, other information is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
It is completely unethical for banking institutions such as XXXX XXXX and Chase Bank, two banking institutions that I both use to have egregious fees associated with not having enough money in your checking account on a daily basis. Most people right now are living PAYCHECK TO PAYCHECK. I am being charged {$25.00} a month because I am not able to maintain a starting daily balance of {$15000.00} in my checking account. The lowest option for Chase bank is to have a daily starting balance of {$1500.00}. What happens when I need to pay my bills? I would love to have an extra {$1500.00} to just sit in my bank account doing nothing, but unfortunately I like many others do not have that luxury. To be punishing people for being poor by making them pay more money is horrific and extremely immoral. These banking institutions are continuously bailed out by the government any time they need. I am disgusted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am writing to file a formal complaint against JPMCB CARD ( Account Number : XXXX ), JPMCB CARD ( Account Number : XXXX ) and JPMCB AUTO ( Account Number : XXXX ) for multiple violations of federal credit reporting and consumer protection laws. My complaint is as follows : 1. Violation of the Fair Credit Reporting Act ( FCRA ) : JPMCB has failed to adhere to the FCRA 's requirement for accuracy and privacy of consumer information as outlined in 15 U.S.C. 1681, particularly section 604, which mandates that a consumer reporting agency may not furnish personal information without my explicit written consent. 

2. Violation of the Truth in Lending Act ( TILA ) : Under 15 U.S.C. 1666b, a creditor is prohibited from treating a payment as late unless it has reasonable procedures to ensure statements are delivered at least 21 days before the due date. I have not received adequate or timely billing statements to fulfill my payment obligations. 

3. Business Account Misclassification : One of the accounts in question is a business account and should not be reported as an individual account. This misclassification has led to incorrect reporting and potential damage to my personal credit report. 

4. Lack of Communication : I have not received periodic statements, invoices, or any communication that would allow me to manage and verify the debts reported by JPMCB, which is a fundamental consumer right. 

5. COVID-19 Pandemic Protections : During the COVID-19 pandemic, I was entitled to certain protections and accommodations under federal guidelines, which JPMCB failed to provide or communicate. 

The aforementioned issues have caused significant harm to my credit standing and have impeded my ability to access financial products. I request that the CFPB investigate these matters promptly and take appropriate action to rectify the violations and provide relief as warranted. 

Enclosed are all relevant documents and correspondence related to this matter. I trust that the CFPB will address this complaint with the urgency it requires. 

Thank you for your attention to this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Self Financial Inc.
State: GA

Complaint narrative:
I became very ill in XXXX of XXXX and I missed multiple days of work. I was not able to maintain my bills and I had to take off work for XXXX months after that. I am a mother of XXXX children and it was a very difficult time for me trying to maintain my household so I fell behind on my credit card payments and a lot more of my bills. I was not able to provide a substantial income for my household and my illness affected my livelihood. I always been a consistent payer when it comes to my payments and I also have manage to get back on track with no late payments since the beginning of this year. I did reach out to Self on XX/XX/XXXX to try to get this issue resolve and they provided no assistance. I would like to continue with a positive payment history without those few late payments hindering me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: IL

Complaint narrative:
I received an email to my work email, that I never use for personal finance, that my application for an American Express card was processing. I immediately called American Express customer support to report the fraud. They denied the application. I froze my credit across all major credit unions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: TX

Complaint narrative:
I filed complaints about false information appearing on my credit report with TransUnion, XXXX, and XXXX. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below. 

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed.

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.

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 2023-11-07 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: TX

Complaint narrative:
I filed complaints about false information appearing on my credit report with XXXX, XXXX, and Experian. I informed them of the infractions they were committing on my consumer report and provided a list of the accounts. They haven't responded in more than 60 days. Copies of every letter sent are attached below.

This business failed to mark this disputed account as disputed, in violation of FCRA 623 ( a ) b ).

605 ( c ) running if the last activity date on this account is reporting, and if the period has also been breached. when the most recent payment date ought to be displayed.

According to the FTC 's assessment, this company has persistently neglected to verify this collection account, thereby breaching FDCPA 809b.

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 2023-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FISERV FINXACT CORE
State: MO

Complaint narrative:
A month ago I noticed transactions on my account was unauthorized transactions. I called money network and submitted a dispute form thru email. For XXXX weeks I heard nothing back from them. So I called the dispute department directly and submitted a dispute. I am a XXXX veteran all my pins to all of my cards are the same. I have a XXXX yr old son who I caught stealing from my home on XXXX XXXX XXXX XXXX XXXX, mo. I called the police and got a police report. XXXX XXXX XXXX police department XXXX XXXX XXXX police report number XXXX XXXX XXXX XXXX. Yesterday XX/XX/2023 I received the dispute paperwork in the mail, and the dispute denial in the mail. They said because my pin was used. I told them again today my son was the one who made those unauthorized transactions and because he is my son he has seen me use the same pin for years. Please help. This is not fair to me as a customer. I did not make or authorize use of my card for any of the transactions listed on dispute claim XXXX or dispute claim 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 2023-11-07 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: NATIONAL DEBT RELIEF LLC
State: FL

Complaint narrative:
I enrolled with National Debt relief with the understanding that after six months on time payments I would qualify for a loan from a Company within the same XXXX  XXXX XXXX. Please note that National Debt Relief and XXXX XXXX are the same company but XXXX XXXX is just a separate division. From the moment I enrolled, I've asked what I needed to do in order to qualify for a loan. I was told numerous time that it happens at the six-month mark and depends on your on-time payments. I asked questions about is it based on credit and is based on accounts and on more than one occasion within the six months they told me it automatically happens and it's not based on any of these factors. On the six month mark, I was told I did not qualify and was not provided a response from National Debt as to why I didn't qualify. The only reason I entered the program is because I was led to believe after the six months I would qualify for a loan to settle my debts. I am passed the six month mark and I'm still not sure as to why I don't qualify. I've called and tried to escalate the matter or even asked for a refund of the fees and National Debt will not allow me. I feel that my concerns about misleading have not made it to the appropriate level within the Company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-11-07 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: FL

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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