vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2024 I received two notifications from my identity monitoring service ( XXXX  ). The first was a hard inquiry on my XXXX credit report from JPMCB Card Services, and the second was a hard inquiry on my XXXX credit report from JPMCB Card Servies ( misspelling of Services was intentional ). Later in the day, I received a voicemail from someone who claimed to be calling from the Chase Bank Fraud Prevention Department. He asked me to call ( XXXX ) XXXX and include a 12 digit reference number that he provided. However, he referred to me by my middle name, which led me to believe that someone may be attempting to open an account by using my middle name. I havent been able to verify whether the phone number and reference number are legitimate as there is a wait time of over 30 minutes when I call Chase Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 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: CA

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 XXXX XXXX XXXX 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 has violated my rights. Or list of inquiries 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 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 2024-02-06 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: CA

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 Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 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 2024-02-06 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2024-02-06 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: TX

Complaint narrative:
I trust this communication finds you well. I am writing to express my deep frustration and dissatisfaction with the ongoing challenges I have faced in attempting to remove charge-off accounts from my credit report. Despite multiple attempts, I have not witnessed any successful resolution to this matter.

The charge-off accounts in question are adversely affecting my credit score and financial standing, and I have diligently followed the proper procedures for disputing and rectifying these inaccuracies. Unfortunately, the persistence of this issue has left me with a sense of helplessness and concern for the impact it may have on my financial well-being.

I would like to outline the instances where I have reported the charge-off accounts and the corresponding attempts for removal : Despite my sincere efforts to rectify this situation, the charge-off accounts persist on my credit report, creating a significant impediment to my financial health. 

I am formally requesting an immediate and thorough investigation into these matters, aiming to identify the root cause of the recurring inaccuracies. Furthermore, I expect prompt action to rectify the inaccuracies on my credit report and to prevent any further hindrance to my financial stability. 

I am willing to provide any additional information or documentation necessary to support your investigation and resolution process. I trust that you will address this matter with the utmost urgency and seriousness it warrants, ensuring a swift and effective resolution. 
Failure to resolve this issue promptly may force me to escalate my concerns to relevant regulatory authorities and seek legal remedies to safeguard my rights as a consumer. I am asking for your assistance to remove these charge off accounts in my credit file : XXXX XXXX Balance : {$8000.00} ; XXXX  XXXX Balance : {$2600.00}.

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 2024-02-06 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: WI

Complaint narrative:
I want your agency to reinvestigate this public record information listed on my credit report. Because of some errors that I found on there that is being reported across my credit reports inaccurately. And this violates my consumer rights according to the Fair Credit Reporting Act section 609. You can clearly see that the court name is inconsistently being report across my credit reports and the reference numbers are inconsistently being reported across my credit reports to. Remove this public record information from my credit report for the following reasons. Please See Attachments.

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 2024-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I dispute the ongoing presence of XXXX XXXX XXXX XXXX on my credit report, despite valid documentation and the bank 's verbal commitment for immediate removal. XXXX has already removed the account, highlighting a clear non-compliance with legal obligations on your part.

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 2024-02-06 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX, has violated my rights. 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

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 2024-02-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
My account was automatically placed on forbearance. Payments made were applied to principal. After restarting Payments I have been on time making payments to my loans but it keeps showing past due. I have been sending emails regarding this issue but no reply and unable to get anyone on the phone for assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXXXXXX, has violated my rights. 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

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 2024-02-06 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: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX did a credit inquiry on my credit report and I don't do business or permit them to pull my credit without my knowledge. 

American Express 2 inquiry on my credit report on XX/XX/XXXX didn't authorize them to pull my credit report. I have a credit freeze on my report. 

XXXX XXXX XXXX didn't authorize this inquiry on XX/XX/XXXX I have a security freeze on my credit report how are they able to go on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: Block, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX did a credit inquiry on my credit report and I don't do business or permit them to pull my credit without my knowledge. 

XXXX XXXX XXXX inquiry on my credit report on XX/XX/XXXX didn't authorize them to pull my credit report. I have a credit freeze on my report. 

Afterpay US Inc. didn't authorize this inquiry on XX/XX/XXXX I have a security freeze on my credit report how are they able to go on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: HI

Complaint narrative:
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report : Your company is in clear violation of the law. Under 15 USC 1681 Section 609 ( a ) ( 1 ) ( A ) you are required by federal to verify- throuth the physical verification of the original signed consumer contract any and all accounts you must on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, 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 2024-02-06 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
In about XXXX of XXXX  I was renting a car. When I returned the car, they double charged me for XXXX week. I had no overdraft protection on my checking account with XXXX XXXX XXXXXXXX, so they should have not paid the second payment but they did anyway. I then disputed it but they refused to reverse the payment. They then insisted I pay this double payment even though I showed them proof it was unapproved and not valid. So they closed my account- which I can understand- but they then reported me for " account abuse '' to Chex Systems and I haven't been able to get a bank account since. Since I work from home, this has caused me a huge problem in finding work if I can't get a checking account to receive money online through. I couldn't even figure out where this was coming from until finally someone told me to check with Chex Systems as this " account abuse '' wasn't showing up on my regular credit reports.

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 2024-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: IA

Complaint narrative:
My account is showing a negative available balance, but it also shows a positive balance for current and unbucketed funds. 

Per Ally banks statement regarding unbucketed money " This represents the amount of your available balance that you haven't already allocated to your buckets ''. 

I spent 45 minutes on chat with a representative who initially told me it was being transferred to another account to cover a negative balance.. Then she said it was being held until the other account balance was brought positive. 

Then I had a 20-30 minute call with a representative who said that the money was being held because of a check that had not processed through yet.

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 2024-02-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: TN

Complaint narrative:
Received a collections notice from an agency called American Coradius International LLC ( XXXX ) for payment of {$160.00} to XXXX XXXX XXXX creditor, reference # XXXX. There is activity against my account dating back to XX/XX/2023 that I have no idea what the transactions are nor do I have a business account to conduct such transactions. Majority of the transactions are listed as fee, reversal, to individuals I have no relationship ( professional or personal ). I have never sold anything on my XXXX account. 

I have asked XXXX to correct this against my account, delete my account, and remove my PII from their systems as well as their 3rd Party Suppliers.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
The following companies have violated my US rights and privileges/USC Title 42 and have created an illegal debt against my financial good standing. They denied me the opportunity to receive the financial extensions my US credit account qualified for and charged credits from my US credit account with no benefit to me. The spending limit of XXXX credits has been reduced to XXXX due to the excessive abuse and misuse of my credit information. They have charged my XXXX credit account month after month by criminally abusing a financial validation feature, hard-inquiring ( which are only for finance account creation/not for credit checking ) for the same financial extension, yet when I called these companies, they relayed to me that I didn't even have an account opened with them. This is criminal to charge me for a loan, turn me away with no gain, misuse my information, and charge me off record for financial extensions and services I have no account for. 

I demand that the following companies are charged with malpractice for this criminal abuse of my personal information and return my credits to the balance of XXXX credits. They can either compensate these losses by financing the accounts in the amounts that are associated with the debts on my US credit account then close the account with a " paid '' account closure or by providing a written statement or notary letter to the CFPB stating that my XXXX credit account has been credited in the amount associated with the debts of my credits and that my account is either " paid '' or in " good standing '' : Ally Financial, ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX XXXX XXXX ( XXXX ) XXXX - XXXX XX/XX/XXXX - XX/XX/XXXX - XX/XX/XXXX ( ongoing ) XXXX XXXX, ( XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX  XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX ( ongoing ) XXXX, ( XXXX ) XXXX - XXXX XX/XX/XXXX XXXX ongoing )

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 2024-02-06 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: LEXISNEXIS
State: MI

Complaint narrative:
Lexis Nexis admitted to furnishing the credit bureaus with fraudulent information on my credit report but did not remove the inaccurate information from experian or eqifax credit reporting agencies which is causing a financial hardship and damages. They are fraudulently reporting information as a third-party vendor and not the US Bankruptcy court as stated on my credit report. 

It is quite clear that someone from ( XXXX, XXXX, XXXX ) fraudulently verified this bankruptcy with the ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as reported, it was verified through the third-party vendor Lexis Nexis Consumer Center which is not the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) according to the enclosed letter from Lexis Nexis which is an inaccuracy. That is a violation of the Fair Credit Reporting Act ( FCRA ) and Consumer Law which states : Under Consumer Law 15USC 1681e ( b ) that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Under USC 1681i ( 5 ) Treatment of Inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) Promptly deleted that item of information from the file of the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and ( ii ) Promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation