vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-24 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: MS

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. 

I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX ( Original CreditorXXXX XXXX ) XXXX, they stated everything was complete and accurate XXXX But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I had XXXX capital one cards that got closed in XXXX of 2022. 
They will not do a pay for delete. 
Can you please do a settlement so I can get these paid and closed so they will stop reporting negatively?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I purchase an American Express gift card for {$250.00} plus {$6.00} purchase fee back on XXXXat our local XXXX store. I tried to use the card on line to purchase an Item, and it said it was declined. Then yesterday I tried it at the grocery store, and it said the said thing DECLINED. I have tried to contact them several times and all I get is punch this buttom for this or that, then push this buttom. Can not get thru to anyone. And I do have all of my recepts. What else can I do. I need this money times are very hard, and I feel like I in some way am being scammed by AMERICAN EXPRESS. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Dear Sir/Madam, I hope this letter finds you well. I am writing to express my concern regarding a late payment that was recently reported to my credit report due to my Chase credit card account ( XXXX XXXX XXXX XXXX  ). This situation has caused me significant distress, and I am seeking your assistance in resolving this matter. 

Recently, I set up a payment plan through the Chase app to pay off the remaining balance on my account with a lower interest rate ( $ XXXX payment ). Despite my willingness and proactive steps to address the balance, I did not receive any notification from Chase indicating that I needed to make another payment ( $ XXXX previous unpaid amount due ) in addition to the {$77.00} to bring the account current. Consequently, I made a payment of {$77.00} for the payment plan assuming that setting up the payment plan had brought my account to current status. 

To my shock, I discovered that a late payment had been reported to my credit report, which has caused my credit score to drop by over XXXX points. This has been highly inconvenient and alarming, especially as I am currently in escrow to purchase a property. The sudden drop in my credit score due to this single late payment poses a significant risk to my ability to close on the property, and it will reflect negatively on my credit report for the next seven years. 

I called Chase 's customer service to address this issue, but I was informed that nothing could be done and that the item would remain on my credit report for seven years. I genuinely believe this late payment was an oversight on my part, primarily due to the lack of clear communication regarding the need to make two separate payments. I have since made both payments to bring the account current and am committed to making all future payments on time as per the payment plan. 

Given these circumstances, I am kindly requesting that Chase consider removing the late payment from my credit report. I have always been diligent in managing my financial obligations, and this isolated incident does not reflect my usual behavior. Your understanding and assistance in this matter would be greatly appreciated, as it would help me maintain my creditworthiness during this crucial time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 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: OR

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2024-06-25 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: IL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
XX/XX/XXXX received a letter from my place of business ( a garnishhe disclosure ) that XXXX XXXX XXXX was garnishing my wages I spoke to XXXX XXXX XXXX they stated it was from XXXX XXXX originally. They stated it was from milestone credit card for {$1000.00}. 

I then called milestone credit card company. I was told this account was sold to XXXX but was bought back in XXXX because the account was closed due to fraud and was taking off my credit report and the account was closed. 

The law office of velo law said they served me in XXXX. Which I was not served for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-24 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: AZ

Complaint narrative:
XXXX XXXX XXXX : XXXX Last XXXX : XXXX TransUnion, XXXX, XXXX. 


Subject : Dispute of Inaccurate Information on Credit Report Dear TransUnion, I hope this letter finds you well. I am writing to formally dispute certain information on my credit report that I believe to be inaccurate, invasive and more importantly violations of my rights as a law-abiding citizen on the Federal Level . In Regards to the named accounts below : Collections Accounts : XXXX XXXX  Acct ( # XXXX ) {$490.00} Charge OFF : neither company provide a XXXX for any of these so called debt XXXX  Acct : ( XXXX ) {$1100.00} XXXX  XXXX Acct : ( XXXX ) {$2300.00} XXXX XXXX XXXX XXXX Acct : ( XXXX XXXX XXXX {$4500.00} XXXX XXXX Acct : ( XXXX ) {$5500.00} XXXX XXXX XXXX. 

Firstly, I would like to draw your attention to 15 US code 1681 A, B and 42 USC Sec. 48, which expressly state that I never provided verbal or written consent to ANYONE or ANY Agency to furnish my information or allow anyone else to obtain my information. Therefore, any information obtained without my consent is in violation of federal regulations. Additionally, I would like to reference 15 US code 1692 and 15 US code 1666B, which address abusive collections practices in which you continuously aide these collection agencies and financial institutions in these egregious practices that violate my Rights. I believe that the late payments and inaccuracies reported on my credit report are not only misleading but also preventing me from accessing funding to secure my family that I am entitled to as a responsible borrower.

Furthermore, if I am indeed the original creditor per consumer law, it is important to note that it is against the law to transfer any contract, as stated in 15 US 1692a ( 4 ) and Sec 1692e # 6 A and B. Any transfer of my contract without my knowledge or consent would be a violation of my rights. As you have continued to aide these companies in these practices, according to 18 US Code 1028A this is Aggravated Identity Theft because you share and use my personal information for credit reporting without my written or verbal permission.

I kindly request that you immediately remove these negative accounts and take appropriate action to rectify the inaccuracies and Federal Violations on my credit report. I also request that you immediately update my report and remove any negative reports within the legally required timeframe, as outlined in the Fair Credit Reporting Act. Thank you for your attention to this matter. I look forward to a prompt resolution.

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 2024-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/XXXX Last XXXX XXXX XXXX Lockhart Morris & Mo XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Subject : Dispute of Inaccurate Collection Account Information Dear Lockhart Morris & Mo, I am writing to formally dispute inaccurate information that is listed on my credit report. According to my rights under the Fair Credit Reporting Act ( FCRA ), Section 611, I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. 

The specific item I am disputing is as follows : - **Account Name/Number** : XXXX XXXX  XXXX - **Creditor/Collection Agency** : Lockhart Morris & Mo - **Type of Discrepancy** : Inaccurate Collection Account I have reviewed my credit report and have found that the above-referenced collection account is inaccurate. The details of my dispute are as follows : - [ Explain the reason for the dispute ; for example, this account does not belong to you, it was paid in full, it was never late, etc. 

In accordance with the FCRA, I request that you conduct an investigation into this matter and remove or correct the inaccurate information from my credit report. Please provide me with the results of your investigation within 30 days of receipt of this letter. 

Additionally, I request that you notify the creditor/collection agency of my dispute and ensure that they cease reporting this inaccurate information. Under the FCRA, any information reported must be accurate and verifiable. 

Please find my personal information below for your reference : - **Full Name** : XXXX XXXX - **Date of Birth** : XX/XX/XXXX - **Social Security Number** : XXXX - **Address** : XXXXXXXX XXXX XXXX  Thank you for your prompt attention to this matter. I expect a confirmation from you once the correction has been made. If you require any additional information, please contact me at the phone number or email address listed above. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Deposited a cashiers check from a recognized California XXXX XXXX. Two days later checked with bank to see if the check had cleared and if the funds were available. Bank told me Yes. I proceeded with a transaction based on that information. Two business days later, they withdrew the funds, saying the cashiers check was fraudulent. They should have never made the funds available to me if they had not received confirmation from the issuing bank that the check was legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I have consistently maintained on-time payments, so I find it perplexing to discover an error in my credit report. I am seeking precise and updated records that accurately reflect my timely payments for those accounts.

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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint seems to be about issues described in an earlier complaint. COMPLAINT ID XXXX SUBMITTED ON XX/XX/year> PRODUCT Debt collection ISSUE Communication tactics This complaint appears to be about issues described in complaint XXXX. Companies are generally not required to provide a new response to issues described in an earlier complaint. If you are not satisfied with the companys response to complaint XXXX, heres what you can do : Tell the CFPB and the company what you think about t THIS IS NOT TRUE. THIS IS ABOUT A SEPARATE LETTER THAT WAS RECEIVED ON THE XXXX AND RESULTED IN AN ADDITIONAL XXXX OF DAMAGES. XXXX XXXX PROCESS THE XXXX COMPLAINT! THE CFPB OUGHT NOT TO BE DEFENDING BANKRUPTCY FRAUD! FILE THE XXXX COMPLAINT! IT IS A SEPARATE COMPLAINT XXXX XXXX  XXXX I HAVE ADDED THE RECORDING OF THE CFPB HANGING UP THE PHONE ON ME AND NOT REFILING THE COMPLAINT. XXXX XXXX. THIS IS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I recently applied for mortgage payment assistance with Bank of America who holds my current loan. After completing the required paperwork they sent a modification trial period offer for a reduced payment for 3 months that would l be identical or close to my adjusted payment. This amount was only XXXX dollars less than my current mortgage payment which gives me little to no relief at all. When I asked them to explain to me how they came to these terms, if my rate would be fixed or not and what programs I qualified for, they could not answer any of my questions. They also stated that by paying the 3 months of the modified loan payment, they would report to the credit bureaus that I didn't make the full monthly mortgage payment. As a result of their loan modification, I would end up with 3 months of negative marks on my credit report. Ultimately this would prevent me from refinancing my loan in the future or anyone who were to take this offer. This is a predatory practice and they are doing nothing more than pretending to help home owners when in the end, there is no help at all. A reduced payment of XXXX dollar per month and permanent damage to my credit doesn't provide mortgage payment assistance and instead puts the homeowner in a worse situation. They stated an incorrect amount on my gross income that was different than what I reported in the interview and in the paperwork I provided. They also appraised the wrong house and have that information incorrect. All they do is tell you to appeal and/or reapply which results in a constant pattern of nothing ever getting done at all. This loan modification program is boiled down to an exact science of stalling and giving the run around and obstacles that can't be overcome by mishandling information so that they never have to actually provide assistance to their customers. Bank of America 's loan modification program is predatory lending plain and simple and needs to be investigated by the attorney general 's office.

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 2024-06-24 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: OR

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or 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 2024-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: LEXISNEXIS
State: IL

Complaint narrative:
In XXXX of XXXX, Lexis Nexis impermissibly provided my consumer report to XXXX XXXX XXXX. I became aware of this disclosure when I received an adverse action letter from XXXX XXXX XXXX  stating they were unable to insure my vehicle based on information in my consumer report. I had not applied for car insurance from XXXX XXXX and did not give XXXX XXXX consent to pull my report. In addition, it is unclear why I was declined. When I requested a copy of my consumer report- which is my legal right -Lexis Nexis sent me a response that they could not verify my identity and yet they were happy to adverse action me. 

I have a permanent opt out with all credit reporting agencies for firm offers of credit or insurance since approximately XXXX. I was not seeking auto insurance from XXXX XXXX. Lexis Nexis was not able to provide me information that they relied on to deny the auto insurance application ( reminder, I did not request auto insurance ). Lexis Nexis is a data broker and requires more oversight due to their lax practices for providing consumer reports while at the same time making it difficult to access, correct, or delete data as a data broker.

Company response to consumer: Closed with explanation