vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
I was sent a text message yesterday XXXX stating that I was able to apply for a Check and Go loan and to start the process click the link. I did not click the link and deleted and blocked the text message. Today XXXX, I received a text message stating my recent application was accepted. Told me to click the link for details. http : //login.checkgo.org/MtHugnMu. I didn't apply for this and do not want anything to do with this. I don't want to click the link due to phishing. I really want to know if this is phishing or if someone has hacked me and has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: FL

Complaint narrative:
I was trying to rent a house and i realized that i had damages on my credit report according to the ( 15U.S.C 1681 ). Ive Also Paid Off collections that still Havent been removed off my account per Agreement to do so With Hard Inquiries That where made by a Car company i told to Not run my Credit Did exactly what i asked not to do. These companies are Reporting Fraudulent and inaccurate information on my credit report. I have Asked to show full proof of agreement to show ownership of such account and also other documents that could prove that those account belong 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 explanation
Consumer complaint received 2024-05-21 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:
A charge off is considered a certificate of indebtedness, Which is considered income. income can not be reported onto credit reports. I have reached out to the company to remove the inaccurate date they are reporting on XX/XX/XXXX and they refused as per IRS guidelines The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NJ

Complaint narrative:
A charge off is considered a certificate of indebtedness, Which is considered income. income can not be reported onto credit reports. I have reached out to the company to remove the inaccurate date they are reporting onXX/XX/XXXX and they refused as per IRS guidelines The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
Fees applied for invalid reason. Strikes me as fraud. This lender is the 3rd holder of my mortgage and I have signed zero contracts with them. Unwilling to remove, waive or write fees off.

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 monetary relief
Consumer complaint received 2024-05-22 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: MS

Complaint narrative:
i sent usps certified mail letters on XXXX, to transunion, XXXX, and experian for the reporting of the inaccurate and incomplete information on my credit report, which is a violation of 15v usc 1681e ( b ). I am requesting that they be deleted from my credit report within 15 days of receipt. 

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 2024-05-21 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-21 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: NJ

Complaint narrative:
Under FCRA XXXX, it is mandatory to remove any incorrect accounts from my credit report. This account has been reported inaccurately ; therefore, please delete it from my credit file. I am owed {$1000.00} for each incorrect entry on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: WI

Complaint narrative:
Eastern Account Systems knowingly, willfully, and intentionally filed a FRAUDULENT report with all three credit bureaus, falsely claiming I owed {$210.00} to " XXXX XXXX. '' This claim is a blatant lie. 

Their defamatory statements have severely impacted my credit score, costing me a {$15000.00} deposit as I am now unable to close on a loan. Litigation is pending, and I will seek full reimbursement for the damages caused by their criminally libelous actions. 

Moreover, Eastern Account Systems is currently conspiring to harass and psycho-call me several times an hour from multiple, untraceable phone numbers. These ghost calls are clear violations of the FDCPA, and each call has been meticulously logged. The pending litigation will seek a {$1000.00} fine for each harassing call.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 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: NJ

Complaint narrative:
According to FCRA 605B, any inaccurate accounts must be removed from my credit report. This particular account is being reported incorrectly, so please take it off my credit file. I am entitled to {$1000.00} for each erroneous report on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: CA

Complaint narrative:
I sent in my first dispute letters with XXXX, Equifax and XXXX back on XX/XX/2024. I read that the credit bureaus have 30 days to investigate any information that we write to them. However, I continued to get multiple template responses and the inaccurate information of late payment history continues to be listed under each of my credit reports. Equifax sent letters twice saying that I did not send in the proper identification to verify myself and that they were not going to do anything further regarding my request. I even called them on a recorded line. I sent each of them two forms of proper identification and have proof that I did. After my first dispute request, each credit bureau removed an inaccurate account under " XXXX XXXXXXXX XXXX XXXX  '' so I am not sure where the disconnect is and why I can not get them to remove additional inaccurate information. There continues to be ( XXXX ) inaccurate late payment under each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and ( XXXX ) inaccurate late payments under XXXX. The account history is inaccurate and I also was affected by XXXX like many others so I am not sure why this information is listed and not being reversed.

Under 15 U.S. Code 1681 ( e ) b Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the 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 ( 1 ) of any information disputed by a consumer, an item of the 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 2024-05-21 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: CA

Complaint narrative:
I sent in my first dispute letters with XXXX, XXXX and Experian back on XX/XX/year>. I read that the credit bureaus have 30 days to investigate any information that we write to them. However, I continued to get multiple template responses and the inaccurate information of late payment history continues to be listed under each of my credit reports. XXXX sent letters twice saying that I did not send in the proper identification to verify myself and that they were not going to do anything further regarding my request. I even called them on a recorded line. I sent each of them two forms of proper identification and have proof that I did. After my first dispute request, each credit bureau removed an inaccurate account under " XXXX XXXX XXXX XXXX '' so I am not sure where the disconnect is and why I can not get them to remove additional inaccurate information. There continues to be ( XXXX ) inaccurate late payment under each of the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and ( XXXX ) inaccurate late payments under XXXX. The account history is inaccurate and I also was affected by XXXX like many others so I am not sure why this information is listed and not being reversed. 

Under 15 U.S. Code 1681 ( e ) b Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow the reasonable procedures to ensure the 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 the 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 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 2024-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: IN

Complaint narrative:
My credit card payment is due on the XXXX of each month with YARD CARD/TD Bank . I made two separate payments by phone on XX/XX/2024, one for {$140.00} and the other for {$20.00}. On XX/XX/XXXX I looked at my checking account and the payment of {$20.00} was taken out, but the {$140.00} wasnt on there. I called YARD CARD on the XXXX to ask about this and they informed me the {$140.00} got cancelled out because I am not allowed to make 2 payments in one day. I was not told this or aware that I couldnt do that. I then asked if, now I would get charged a late fee and show a late fee on my account and they said yes. They do not have no grace period at all and they wouldnt do anything to help me and fix this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-21 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXXXXXX {$12000.00} XX/XX/XXXX XXXX XXXX {$6800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX  {$3500.00} XX/XX/XXXXXXXX XXXX XXXX {$2200.00} XX/XX/XXXXXXXX XXXX XXXX {$1900.00} XX/XX/XXXXXXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX {$1800.00} XX/XX/XXXXXXXX XXXX XXXX {$1700.00} XX/XX/XXXXXXXX XXXX XXXX {$1200.00} XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am having issues I paid my credit card account two accounts. The other too I was late, so they shut off access to the cards I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
See Letter! 

I provided the extensive summary, a copy of a statement from the witness and my hotel charge with the original cardholder dispute submission. 

Today, a JPMorgan person called and said they will not give a refund, that there is no chargeback reason. Further that I stayed and used the hotel and that I got points. First, like where was I supposed to go? Also, I waited for responses from both XXXX and XXXX XXXX. So, I had to stay put. Also, the points I received doesn't even cover a one night stay anywhere. 

I told the guy XXXX! You can make a decision for your cardholder customer! 

I see no reason to keep this card account, they make great interest off my account, I have never missed a payment, on a high credit line. This issuer has no clue how to treat a valuable cardholder customer. No empathy to what I went thru, no effort to hold this merchant accountable. This is why JPMorgan reported billions in profits. A detached, uninformed, unprofessional, discourteous card issuer. Shame on you!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: M&T BANK CORPORATION
State: LA

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-05-21 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: MA

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-05-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX / XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-21 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX / XXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX  : # XXXX, has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation