vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On the XXXX of XX/XX/year> my sister in law XXXX XXXX endorsed her tax refund check to me for deposit and a withdrawal because her bill folder was stolen with her identity included and needed to cash her check due to Beryl Hurricane disaster and the bank held the check until the XXXX of XX/XX/year>. The amount is for {$1100.00} and the {$67.00} in overdraft fee was taken out once the check cleared. But then the bank restricted my account and stated after the check cleared the third party couldnt be verified by the phone number provided, which is my sister in laws ESTATE phone number under a different name from the check, which she did a name change with the court previously, under XXXX XXXX XXXX. She never changed her name on her phone because its a prepaid phone. The bank also sent a letter stating the account has been restricted for no reason but with prejudice on XXXX of XXXX. We tried to withdraw the funds on the XXXX but my card was locked after repeating a third attempt at the ATM to withdraw the funds. I receive the phone verification and accepted it but the card locked on me. We went to the bank on the XXXX for verification purposes of the third party but no success and this matter has caused my family emotional distress with prejudice and bullying of my own account. 

I even requested a hard close at the bank and was denied that also, with prejudice. I contacted the customer support team over 5 times to settle the matter but was dishonored and they threaten to close my account, that was not in an overdraft for 45 days as the banker at the branch informed us at the XXXX XXXX at XXXX location. My wife and I gave the team both of her phone numbers to call her, but they refused also to honor that. They also never returned her check as requested at the bank within a timely manner per banking federal regulations. I want the account hard closed immediately and return her tax refund within XXXX business days, without prejudice and her Tax Advacate with the IRS will be informed about this matter as well for withholding taxable funds as an ESTATE and living Trust consumer. 

Note : My wife XXXXXXXX XXXX XXXX and those funds is apart of her payment for work and our bills for this month, which has caused a delay in payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : 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 2024-10-22 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: CA

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : 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 non-monetary relief
Consumer complaint received 2024-10-22 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:
Subject : Dispute of Inaccurate Information on Credit Report and violation to the Fair credit reporting act. 
Complaint Summary : I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
I checked my credit report and discovered discrepancies in the following accounts : 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 Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : 1. Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation.

2. Section 611 : Right to dispute inaccuracies and request investigation.

3. Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

4. 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores. SEE ATTACHED.

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

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 2024-10-22 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: KY

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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

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 2024-10-22 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: ME

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records 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 2024-10-22 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: EQUIFAX, INC.
State: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 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: NY

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. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 2024-10-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
On XX/XX/year> I made a payment to my sons auto loan Acct XXXX XXXX XXXX XXXX I used the coupon for the auto loan with my check. Both the Auto Loan and the Checking account check are with the Bank of America. 
On XX/XX/year> I was informed by my son that a notice was sent from Bank of America that the auto loan was not paid. I went to my local Bank of America branch in XXXX XXXX  and the Branch XXXX XXXX XXXX informed me the auto loan was wrongly deposited to my credit card account by the teller at the XXXXXXXX XXXX  branch. As a result the auto loan reflected it was not paid. 
On XX/XX/year> the deposit that was meant for the auto loan payment and improperly went to the credit card account was credited, The {$300.00} was removed from the credit card account. 
However as of this date XX/XX/year> my {$300.00} is unaccounted for. I have made repeated calls to both the Bank of America Credit Division and Auto Loan division and neither can inform me where my {$300.00} went! It did not get returned to the original Bank of America checking account from which it came from, nor was it deposited to the original auto loan for which it was intended. 
Please investigate this issue as Im distressed that a bank is not accounting for my missing {$300.00} for over 6 weeks and counting. 
In the mean time I have been paying the auto loan on time to avoid late payments and have the loan reflect that it is not being paid.

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 2024-10-22 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: EQUIFAX, INC.
State: GA

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX XXXX XXXX XXXXXXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harvard Collections, LLC
State: CT

Complaint narrative:
The credit bureau is reporting a collections account on my credit report that is unverified. There is no validation of debt that was sent to me. I looked on the New York Secretary of state website and I saw the company was registered however it has been inactive since XX/XX/year> so how is it still on my credit report there is no way its validated. : ENTITY NAME : HARVARD COLLECTION SERVICES , INC . 
XXXX XXXX FOREIGN LEGAL NAME : FICTITIOUS NAME : ENTITY TYPE : FOREIGN BUSINESS CORPORATION DURATION DATE/LATEST DATE OF DISSOLUTION : SECTIONOF XXXXXXXX XXXX XXXX BUSINESS CORPORATION LAW ENTITY STATUS : INACTIVE DATE OF INITIAL DOS XXXX REASON FOR STATUS : TERMINATED EFFECTIVE DATE INITIAL XXXX INACTIVE XXXX FOREIGN FORMATION XXXX STATEMENT STATUS : NOT REQUIRED COUNTY : NEW YORK NEXT STATEMENT DUE XXXX JURISDICTION : ILLINOIS, UNITED STATES XXXX CATEGORY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: TX

Complaint narrative:
Can I please get clarity on these FCRA consumer laws : 15usc 1637 ( b ) says a collection company MUST let me known30 days ahead of time they plan on reporting & give me time ( 21 days-30days ) to respond.Months ago i proved to you XXXX XXXX XXXX didn't do that and showed you it was removed from every other bueror because of this ; so What part of that law gives them the right to still be on my report? And gives you the right to not hold them accountable? 

Consumer law 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY & " transactions '' aren't legally obligated to be reported and even if a company " may '' or chooses to report I have the right to REVOKE my consent at any point for any reason ESPECIALLY if what the company reports aren't the same across all bueros/agencies..

I showed copies and highlighted everything single inconsistency and highlighted where our agreement says " may '' gave the standard 30 days to fix things you guys said verified didn't tell me how different reportings of the same account got validated or which is a violation of Law 15usc 1681e! Right??

So how are these companies still on my report if tou are upholding the law??? 

I referenced XXXX XXXX XXXX I referenced FCRA site as well as CFPB for laws even confirmed with chat GPT. You have lawsuits showing you fail to do your job and help us fight for ourselves but you choose to still do wrong. If I have to open a class action lawsuit I will. I will sue for deformation for letting these companies continually positive or negitvley report incorrect information and you give them months to change what should had been changed in days or never wrong! That's a XXXX $ pay out per violation if I really wanted to fight but I just want what's legally due to me. 

If I'm incorrect about these laws PROOF IT using the law and explaing word for word what they mean by the words they say... it's your DUTY to do so.

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 2024-10-22 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:
Can I please get clarity on these FCRA consumer laws : 15usc 1637 ( b ) says a collection company MUST let me known30 days ahead of time they plan on reporting & give me time ( 21 days-30days ) to respond.Months ago i proved to you XXXX XXXX XXXX didn't do that and showed you it was removed from every other bueror because of this ; so What part of that law gives them the right to still be on my report? And gives you the right to not hold them accountable?

Consumer law 15 USC 1681 SECTION 602 WHICH STATES THAT I HAVE THE RIGHT TO PRIVACY & " transactions '' aren't legally obligated to be reported and even if a company " may '' or chooses to report I have the right to REVOKE my consent at any point for any reason ESPECIALLY if what the company reports aren't the same across all bueros/agencies..

I showed copies and highlighted everything single inconsistency and highlighted where our agreement says " may '' gave the standard 30 days to fix things you guys said verified didn't tell me how different reportings of the same account got validated or which is a violation of Law 15usc 1681e! Right?? 
So how are these companies still on my report if tou are upholding the law??? 

I referenced XXXX XXXX XXXX I referenced FCRA site as well as CFPB for laws even confirmed with chat GPT. You have lawsuits showing you fail to do your job and help us fight for ourselves but you choose to still do wrong. If I have to open a class action lawsuit I will. I will sue for deformation for letting these companies continually positive or negitvley report incorrect information and you give them months to change what should had been changed in days or never wrong! That's a XXXX $ pay out per violation if I really wanted to fight but I just want what's legally due to me. 

If I'm incorrect about these laws PROOF IT using the law and explaing word for word what they mean by the words they say... it's your DUTY to do so.

Company response to consumer: Closed with non-monetary relief