vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: AR

Complaint narrative:
On Monday, XX/XX/2024, I saw a home online and decided to take a half day from work to start the process of getting pre-approved for a loan and to go view the house. I contacted XXXX first and then contacted a local loan XXXX referred to me by my realtor. While uploading documents and going back and forth on the phone I got a call and was immediately told I pre-qualified for my loan. Due to not giving my information out to anyone except XXXX and the lady who was local, I assumed this call was connected to one of them. I was told to pay a {$46.00} application fee and then {$500.00} to lock in my interest rate. I am a first time home buyer and was not aware it was not normal to pay this money upfront so I quickly paid it hoping to get everything done in time to put an offer on a house that day. The only thing the people on the phone were worried about was getting the payment. I was asking about other things and they repeatedly said they wanted to get the payments to go through first, then we could go through everything. This company was Amerisave. After paying this money and being told someone would be calling me that evening with more information, I went to view the house where my realtor said that I should not have paid all that money upfront for ANY home loan process. Both myself and my realtor called XXXX back multiple times where we were transferred over and over to different people and voicemails. I asked to speak to a XXXX multiple times to try to get my money back and was given the run around. They would give me their names and then when I would call back they would say no one works here by that name. We have tried to call many times since that day with the same issue. I have also sent multiple emails where they stopped responding. The customer service is a joke. Do NOT do business with these crooks! I am a single mom and teacher and was highly taken advantage of.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-20 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: MT

Complaint narrative:
I have requested a copy of contract with my signature from JPMCB Card XXXX XXXX, is been 40 days and not response. 
XXXX send me a letter with wrong last name, and is reporting JPMCB Card in my credit report with false information, the creditor closed the account and kept adding extra fees after the account was closed, violated my rights. XXXX is not in compliance with the laws, XXXX sent me a letter staying they need more time, after 40 days of the requesting to delete the false information from my credit report the company JPMCB Card partial acct XXXX XXXX, had closed the account and charge month of exceed of fees, after the closed the account they are not in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: CA

Complaint narrative:
Dear XXXX, I am writing to formally lodge a complaint regarding the mishandling of a disputed entry on my credit report, specifically relating to the XXXX XXXX XXXX sold to me by XXXX XXXX. Despite providing all necessary documentation, including a Federal Trade Commission ( FTC ) report, a local police report, and a valid identification, the entry was not adequately addressed by XXXX. 

As per the dispute process, I provided comprehensive evidence to support the removal of the disputed entry. It was my understanding that XXXX would take the necessary steps to block and remove the erroneous information from my credit report. However, to my dismay, the entry resurfaced shortly after being deleted, indicating a failure on XXXX 's part to effectively handle the dispute. 

Furthermore, it is evident that XXXX 's collaboration with creditors appears to disadvantage consumers like myself. Despite clear evidence of identity theft on my report, XXXX has failed to ensure the proper removal of fraudulent entries, particularly those tied to a disputed address. This refusal to rectify the situation not only undermines the integrity of the credit reporting process but also perpetuates the financial burden on innocent consumers. 

I urge XXXX to promptly reevaluate my case and take immediate action to rectify the mishandling of the disputed entry. It is imperative that XXXX upholds its responsibility to protect consumer interests and adhere to fair and accurate credit reporting practices. 

I expect a timely response to this complaint and a resolution that reflects XXXX 's commitment to consumer rights and data accuracy. 

Sincerely, 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 2024-04-20 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: CA

Complaint narrative:
Dear XXXX, I am writing to formally lodge a complaint regarding the mishandling of a disputed entry on my credit report, specifically relating to the XXXX XXXX XXXX sold to me by XXXX XXXX. Despite providing all necessary documentation, including a Federal Trade Commission ( FTC ) report, a local police report, and a valid identification, the entry was not adequately addressed by XXXX. 

As per the dispute process, I provided comprehensive evidence to support the removal of the disputed entry. It was my understanding that XXXX would take the necessary steps to block and remove the erroneous information from my credit report. However, to my dismay, the entry resurfaced shortly after being deleted, indicating a failure on XXXX 's part to effectively handle the dispute. 

Furthermore, it is evident that XXXX 's collaboration with creditors appears to disadvantage consumers like myself. Despite clear evidence of identity theft on my report, XXXX has failed to ensure the proper removal of fraudulent entries, particularly those tied to a disputed address. This refusal to rectify the situation not only undermines the integrity of the credit reporting process but also perpetuates the financial burden on innocent consumers. 

I urge XXXX to promptly reevaluate my case and take immediate action to rectify the mishandling of the disputed entry. It is imperative that XXXX upholds its responsibility to protect consumer interests and adhere to fair and accurate credit reporting practices. 

I expect a timely response to this complaint and a resolution that reflects XXXX 's commitment to consumer rights and data accuracy. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This is about my Chase Prime card ending in XXXX. 

I can not login to my online banking. It says a message " Important : We weren't able to sign you in. '' I am unable to view my statements or pay my bill or dispute charges. I have called many times and the company has not helped me at all. The reset my password to my online login access one time and other than that this problem still exists. On top of the first issue, my card has had over 30 fraud alerts in 30 days. The company is forced to ask me public records questions more than once every 24 hours. This is far from normal and I have asked multiple supervisors to open an official complaint and they have refused to do so. They entry level workers have even refused to transfer me to a supervisor when calling as well. They keep telling me my account is under review and then I call back and they ask my more public records questions. This is a clear case of consumer abuse and Chase has many criminal practices which are highly illegal against consumers ( me being one of them ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
According to FRCA section XXXX it is XXXX to report information on my credit report without my permission. Thank you, and please delete this off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: NJ

Complaint narrative:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNAUTHORIZED INQUIRIES, PLEASE DELETE : 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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly eliminate these inquiries. I lack any information on them, and the company proceeded without my approval.

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 2024-04-20 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: DISCOVER BANK
State: CO

Complaint narrative:
Request for Immediate Removal of Specific Transaction History from Credit Report I am writing to demand the immediate removal of all transaction history, payment history, and related balance information for my DISCOVER BANK account tradeline, as currently reported by XXXX and XXXX. This request is grounded on multiple violations of my privacy rights as protected under various federal laws and regulations. 
Firstly, the reporting of my personal financial information contravenes the Privacy Act of 1974, which safeguards personal data against unauthorized disclosures. Secondly, 12 CFR 1022 ( Regulation V ) mandates the protection, proper disposal, and accuracy of consumer information, which your records have failed to uphold in my case.

Additionally, the Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 and 1681 ( b ), requires consumer reporting agencies to ensure that all data reported is accurate, verified, and disclosed solely for permissible purposes with the explicit written consent of the consumer, which I have not granted. 
The XXXX XXXX ( XXXX ), particularly sections 6801 through 6805, further underscores the obligation of financial institutions to protect the privacy and security of consumer non-public personal information. It explicitly states that any identifiable financial information, which originates from a transaction, or any service provided, should not be disclosed without explicit written consent which I have not given.

Furthermore, 16 CFR 313 and 313.7 outline the regulations for the privacy of consumer financial information and affirm a consumers right to opt out of information sharing. These sections provide me the authority to request the cessation of information reporting as has been improperly handled in my case. 
Given these substantial legal breaches, I insist on the prompt removal of the aforementioned information from my credit report. I expect a written confirmation and an updated credit report showing this removal within 30 days of receipt of this letter. Please be advised that failure to comply with these requests may compel me to take further legal action to protect my rights and privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: OH

Complaint narrative:
Enroll now to pay less than the full balance you owe Dear XXXX XXXX XXXX, Your account ending in XXXX charged off on XX/XX/XXXX with an unpaid balance of {$1000.00}. 

You're still responsible for this debt, but if you enroll now in a less than full balance offer, you will pay {$270.00}, which is 25.00 % of the unpaid balance. 

Once you've paid this amount, your remaining balance will be reduced to {$0.00} and all collections activities will stop. 
Your payment options : You can make one payment of {$270.00} by XX/XX/XXXX You can make monthly payments of {$45.00} by XX/XX/XXXX This agreement is not complete until finalized by us in our system which could take up to 10 days after your last agreement payment has cleared. I paid it XX/XX/XXXX Experian will not fix the account late changes off the account should not be showing a charge off I sent paper work the card was used by someone

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 2024-04-20 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: MI

Complaint narrative:
I recently summited on XX/XX/2024 you responded on XX/XX/2024 I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX # XXXX ) In accordance with the FAIR CREDIT REPORTING ACT law 91-505, Title VI, Section 611, Subsection A-D, Please send me an update copy of my credit report after your re-investigation

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 2024-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: VA

Complaint narrative:
I consistently make timely payments, of which I am certain. However, I am unsure why this company reports me as late in certain months, which should not happen. As per USC 1666b, any billing errors must be rectified, or they will be liable to pay me {$1000.00} for each account inaccurately reported.

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 2024-04-20 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: NY

Complaint narrative:
As per FCRA 605B, it's required to eliminate any incorrect accounts from my credit report. Would you mind reviewing the documents? Several listed accounts are inaccurately reported. Compensation of {$1000.00} is owed for each erroneous entry on my credit file.

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 2024-04-20 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: SC

Complaint narrative:
Upon review of credit report. I noticed hard inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Upon review of credit report. I noticed hard inquiries I do not recognize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXP

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 2024-04-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023. This case was dismissed in XXXX XXXX superior Court for {$11.00}, XXXX Case # XXXX and it is still appearing 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 2024-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was looking at my report and noticed there was some things that was not correct. I sent a letter to Experian, XXXX, and XXXX on XX/XX/24. But it has been more than 35 days since the credit bureaus havent responded. That a violation of 15 USC 1681i ( a ) ( 1 ) ( A ) Under 15 USC 1681i ( a ) ( 1 ) ( A ) Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in consumers file at a customer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the dispute information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning of the date on which the agency receives the notice of the dispute from the consumer or reseller.

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