vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-12 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am writing to file a formal complaint regarding an issue with Chase XXXX and XXXX following the sale of my leased XXXX XXXX XXXX XXXX XXXX XXXX. Below are the relevant details : Background I sold my XXXX XXXX XXXX XXXX XXXX XXXX to XXXX in XXXX XXXX, IN, on XX/XX/XXXX. This vehicle was under a lease agreement with Chase XXXX, with the lease term ending on XX/XX/XXXX. The next scheduled payment date for the lease was XX/XX/XXXX. On XX/XX/XXXX, a Chase XXXX representative confirmed over the phone that I would not need to make the XXXX payment, as the vehicle would be sold before the payment date. They also assured me that I could sell the vehicle to XXXX to terminate the lease. 

Transaction with XXXX The sale process at XXXX went smoothly. The XXXX representative assured me that they would handle the lease buyout payment with Chase XXXX and that my only remaining responsibility was to manage the license plate with the Ohio XXXX. I left the vehicle and the keys with XXXX on XX/XX/XXXX, believing the matter was resolved. 

XXXX XXXX XXXX few weeks later, on XX/XX/XXXX, I noticed a short selloff payment reflected in the Chase XXXX app. Concerned, I called Chase XXXX on XX/XX/XXXX, and was again reassured that the matter was being handled between Chase XXXX and XXXX. 

Despite these assurances, I received a letter on XX/XX/XXXX, dated XX/XX/XXXX, stating that I owed {$34000.00}, which included the final monthly payment and the vehicles payoff amount. The letter also indicated that I was past due on my payments. Since Chase XXXX was unavailable on the Saturday I received the letter, I contacted XXXX, who informed me that the corporate office was still working on the deal. 

On XX/XX/XXXX, I received a notification through my XXXX subscription that Chase XXXX had reported a late payment to XXXX and other credit bureaus, marking my account as delinquent. 

Unfair Practices by Chase XXXX Chase XXXX appears to be acting unfairly. Despite assurances to the contrary, they have repeatedly increased the payoff amount provided to XXXX, causing the buyout attempts to fall short. This has resulted in Chase XXXX placing the responsibility for the outstanding amount on me, even though I no longer possess the vehicle, and handed over the keys and title to XXXX on XX/XX/XXXX. 

Thank you for your attention to this matter. Please do not hesitate to contact me if additional information or documentation is required.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2025-01-12 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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2025-01-12 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: GA

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. 


Account Name : XXXX  XXXX # XXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: GA

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 XXXX XXXX XXXX. 

List of Unauthorized Inquiries : 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 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 XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
I request that you investigate this matter, remove the fraudulent account from my credit report, and notify me of the outcome of your investigation. Please also provide me with a corrected copy of my credit report once this issue is resolved.

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 2025-01-12 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: NY

Complaint narrative:
I request that you investigate this matter, remove the fraudulent account from my credit report, and notify me of the outcome of your investigation. Please also provide me with a corrected copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: NY

Complaint narrative:
I request that you investigate this matter, remove the fraudulent account from my credit report, and notify me of the outcome of your investigation. Please also provide me with a corrected copy of my credit report once this issue is resolved.

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 2025-01-12 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: FL

Complaint narrative:
I have Accounts that were Delete on Experian and they put it back on the next month. Also another account there reporting wrong in information i have never been late on child support. i sent them the information it is coming out my check. Experian is the worst they do not do full investigation!!!!!! Please Help with this matter!!!!! Also i have there monitoring services i cant pull my credit report i have disputed my address and sent the my Drivers License and SS Card. no change!! Thanks for your help The same with 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 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accounts are closed and should be removed from 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 2025-01-12 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Accounts are closed and should be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: SC

Complaint narrative:
Accounts are closed and should be removed from 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 2025-01-12 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX # XXXX Account Name : XXXXXXXX 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 2025-01-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
On or about 2023 explain that this cancellation ltr was provided to the Rental company ( XXXX ). Front office okay and requested key, which was left in Apartment and recovered my office staff.Months later they claimed not received. By then I have relocated to XXXX Virginia health reasons... Made several attempts to resolve issues. Next thing it was sent to collection... triple fees. Tried to settle. I'm XXXX XXXX XXXX very sick person. Need to remove this off my Credit Report ASAP. to secure Housing..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: FL

Complaint narrative:
I am writing to demand the immediate removal of inaccurate and conflicting information reported on my credit report by Mercedes-Benz Financial . Their misreporting violates federal law and has caused unnecessary harm to my creditworthiness. 

Mercedes-Benz Financial initially reported a charge-off on my account, then subsequently updated the information to state I was 90 days late instead. Both can not simultaneously be true, and this inconsistent and misleading reporting constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Under the FCRA, furnishers of information are legally required to ensure accuracy in the information they report : 1. Accuracy of Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : Furnishers may not provide information to credit bureaus if they know or have reasonable cause to believe it is inaccurate.

2. Duty to Correct and Update ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers must promptly correct and update inaccurate information.

Mercedes-Benz Financial has failed to comply with these legal obligations by reporting conflicting and inaccurate information. Their actions not only misrepresent the status of my account but also damage my credit score and financial reputation.

I demand the following : 1. Mercedes-Benz Financial immediately removes the inaccurate charge-off and 90-day late payment information from my credit report.

2. A corrected and accurate credit report is issued and provided to me.

If these demands are not met, I will have no choice but to escalate this matter by pursuing all available legal remedies, including filing complaints with the Federal Trade Commission and considering legal action for damages caused by this negligent reporting. 

I have attached all relevant documentation, including credit report entries and correspondence, to support my claim. I trust the CFPB will act swiftly to address this matter and ensure my rights under the FCRA are upheld.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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 2025-01-12 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: AL

Complaint narrative:
On XX/XX/year>, I requested debt validation and verification of a collection reporting on my credit report in the amount of {$4300.00} from XXXX XXXX XXXX. A proper investigation was not rendered by Experian and I did not receive proof of assignment, validation or contract that grants legal authority to collect on this debt. The recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian highlights systemic issues with sham investigations, underscoring the importance of compliance with federal law. Per the FCRA, Experian must verify disputed information with evidence such as original creditor contracts or delete the inaccurate entries.

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 2025-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: OH

Complaint narrative:
On XXXX, XXXX, XXXX, we paid {$25.00} on the website of our mortgage company, Mr. Cooper, to receive our payoff amount. We transferred that amount that very same day to them via their website payment page. Our bank has record of the transaction coming out of our account and in to theirs ( Nationstar Mortgage, now known as Mr . Cooper. ) As of today, XX/XX/XXXX, they have not acknowledged receiving, or not receiving, that payment. In fact, they have not responded to our bank 's emails and phone calls, nor to our calls, online chat requests, emails or faxes. My wife has spoken to their " customer service '' reps multiple times, and did speak to another representative on XX/XX/XXXX, who said her supervisor would call right away, but never did. Also, on chat, they said someone would call and they also did not. 

This company is absolutely ignoring requests from us to account for this transfer. They are, however, letting us know our XXXX payment is due, XX/XX/XXXX. 

They are a horrible company!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-12 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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2025-01-12 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: TX

Complaint narrative:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-12 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:
15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end A consumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES Forbes act

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 2025-01-12 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: VA

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to be removed.

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 2025-01-12 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with explanation