vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-08 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: GA

Complaint narrative:
I received a mail correspondence from Equifax on XX/XX/XXXX, at my home address regarding my dispute report. I had submitted several disputes with Equifax because they were reporting a negative and inaccurate past-due balance of {$360.00} for creditor XXXX XXXX account # XXXX on my Equifax credit report. However, I had paid off the past-due balance and the account ending XXXX was not at XXXX balance. After viewing my mailed dispute results with confirmation number XXXX, and reviewing the credit file dated XX/XX/XXXX, Equifax correspondence stated, that my XXXX XXXX account # XXXX dispute was closed and that the past due balance of {$360.00} was correct and verified. 

However, Equifax never Elaborated on how they verified the balance or provided me with a copy from the creditor showing a past-due balance of {$360.00}. Despite my payment of the {$360.00} past due balance on XXXX XXXX, Equifax did not correct the negative past due balance reporting on my Equifax credit report and the negative account # XXXX is still reporting on my credit report. 

I want to inform you that I have uploaded a copy of the results of my dispute for account # XXXX I received from Equifax The letter I received via mail includes the Equifax confirmation number XXXX and the credit file date of XX/XX/XXXX. Unfortunately, negative account # XXXX is still reporting on my Equifax credit report with a past-due balance of {$360.00}, and despite my dispute, Equifax has not updated account # XXXX with a XXXX balance. Additionally, I have uploaded a copy of my receipt from creditor XXXX XXXX I received, dated XX/XX/XXXX, for account # XXXX, which shows that the account has been paid off with a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 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: KS

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-08 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: KY

Complaint narrative:
Pursuant to the laws set forth below, you : XXXX, XXXX, and EQUIFAX are in violation of multiple laws set forth by Congress in regard to MY consumer report. YOU : XXXX, XXXX, and EQUIFAX have willfully violated my Constitutional Rights and are subject to penalty fines and/or jail time.

Pursuant to : 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) 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. 
DocuSign Envelope ID : XXXX Pursuant to : 18 U.S. Code 1028 ( a ) ( 1 ) - Aggravated identity theft : ( a ) OFFENSES.

( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

Pursuant to : 15 U.S. Code 1681n ( a ) ( 1 ) ( a ) ( b ) ( 2 ) ( 3 ) - Civil liability for willful noncompliance : ( a ) In general : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

Pursuant to the laws set forth ; I DID NOT GIVE YOU : XXXX, EQUIFAX, AND XXXX, WRITTEN, VERBAL, NON-VERBAL, OR ANY SUCH CONSENT TO REPORT ANY SUCH ACCOUNTS ; CREDIT, EDUCATION, PERSONAL INFORMATION, INCOME, EMPLOYMENT OR SUCH FORTH INFORMATION ON MY CONSUMER REPORT. VERIFY THE WRITTEN LETTER/STATEMENT THAT I SENT YOU GIVING CONSENT AND AUTHORITY FOR YOU TO DO SO. I DID NOT GIVE YOU SUCH CONSENT, THEREFORE YOU HAVE COMMITTED IDENTITY THEFT/FRAUD AND HAVE VIOLATED MY CONSTITUTIONAL RIGHTS. I AM NOW SEEKING REMEDY FOR YOUR VIOLATIONS. IF WE ARE UNABLE TO AGREE ON THE REMEDIES SET FORTH I WILL SEEK JAIL TIME VIA FEDERAL COURTS FOR THESE VIOLATIONS.

THESE VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently checked my credit report and discovered that I am the victim of Identity Theft. There are multiple Accounts/Inquiries on my credit report that I had no knowledge of and have never done business with these companies. I reported the Identity Theft to the Federal Trade Commission and completed an FTC Affidavit detailing the fraudulent information listed on my report. I reported this Fraudulent information all 3 of the Credit Bureaus. The allotted space on the FTC report is limited, so I listed as many accounts and inquiries as the report would allow. The FTC report only allows space for me to list five inquiries. There are over 20 fraudulent inquiries reporting on my file, so I listed as many as I could in the " personal statement '' section of the report. The FTC document only asks for the name of the Company who made the inquiry. It DOES NOT ask for the date of the inquiry. The FTC Report number is # XXXX. Equifax recieved a copy of my FTC report via certified mail on XX/XX/XXXX. When I called Equifax to confirm that my FTC report was received, I spoke to a Fraud Specialist who proceeded to violate my Consumer Rights by refusing to process a dispute of the fraudulent inquiries listed on my credit report. The Equifax Agent alleged that I could not dispute the Fraudulent Inquiries because there were no dates listed next to them. I was willing to clarify the dates over the phone but the Agent refused to dispute them. The Equifax agent 's actions were unlawful and unethical. Pursuant to FCRA 605B, 615 ( f ) & 623 ( a ) ( 6 ), an identity theft report can be used to Block fraudulent information resulting from identity theft and the fraudulent information should be blocked within 4 days of receipt of FTC report by the credit reporting agency. The following inquiries are the result of fraud and include the month and year : XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Dear Team, I would like to bring to your attention a matter of concern regarding my American Express card. I recently spoke with the American Express Team for Credit Limit, who suggested that pre-paying my card could potentially increase my spending limit. However, it appears there has been an issue. 

I pre-paid around {$4600.00} for a larger spending limit on my card ending in XXXX. Despite recently undergoing a Financial Review, which concluded last week, my account was unexpectedly suspended again today. It seems that the suspension occurred when American Express noticed the substantial pre-payment. 

This situation is troubling as it feels like my account is being suspended to utilize the pre-paid funds for American Express 's business expenses. I find this practice unacceptable, especially considering that my account is not suspended when there is no pre-payment. It appears that the suspension occurs only when American Express observes a negative balance, allowing them to make use of customer funds. 

I kindly request clarification on this matter and a resolution to ensure fair and transparent practices. 

Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer protection submission I attended XXXX XXXX and graduated in XXXX. ( Later changed to XXXX XXXX ) In XXXX, I applied to Borrower Defense Program with the US Department of Education. 

During the application review period, my loan ( s ) with XXXX were automatically put in an administrative forbearance. 

XX/XX/XXXX, I was advised that my applications was part of a class action lawsuit- XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX. ). Payments were still on hold. 

XX/XX/XXXX, I was advised that my application for borrower defense was ineligible. Payments were still on hold. 

XX/XX/XXXX, I was advised of a proposed settlement in connection with the XXXXXXXX XXXX XXXX lawsuit. Payments were still on hold. 

XX/XX/XXXX, I was advised that my school was named in the lawsuit. The settlement terms were as follows : " If your borrower defense application related to federal student loans borrowed to pay for attendance at a school on the list attached to this letter, you will receive a discharge of federal loans associated with that school and a refund of any amounts paid to the Department on those federal loans, and the credit tradeline for those loans will be deleted from your credit report. Within 90 days of the date that the court 's approval of the settlement agreement becomes final, the Department will notify you that you will receive this relief. You will receive the relief within one year of the final effective date of the settlement agreement. Until this relief is provided, the Department will not take action to collect your debt. '' It appears that XXXX has discharged the loans. HOWEVER, the have marked them as delinquent. That is erroneous. No payments were due during the application process, during the lawsuit and during the period when XXXX was required to fill its legal obligations as outlined in the settlement. 

This erroneous classification of my loans has caused my credit score to drop significantly. I would like for it to be corrected. 

I have emails and screenshots to for reference if necessary.

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 2024-02-08 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: TX

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2024-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year> I used my Chase debit card to withdraw money on a XXXX XXXX XXXX atm located on XXXX XXXXXXXX XXXX, XXXX XXXX CA. 
In the first transacion that made I withdraw XXXX, the atm dispense the bills, but, I could'n reach the bills, so, by the time I unbuckle my seatbelt the atm toked the money back in. 
the screen star idling and then the word WAIT COMEOUT AND THE TRANSACION GOT CANCEL.I start another transaccion and I was able to get my money ( {$200.00} ) but when I checked my chase acct.it was 2 charges of {$200.00} on my XXXX per each transacion .I called Chase and made a claim, Chase refund the money pending an investigation and got denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have never got a credit card card from XXXX XXXX XXXX. 
I have never gave consent nor authorization for XXXX XXXX XXXX XXXX to have my information and have never seen nor heard of this company. Ive already reported this to this company before and was responded with a note my credit report instead of removing collection. Ive never gave consent for this company to have any of my information. 
I have never gave consent nor authorization for XXXX XXXX XXXX to have my information and as have never seen nor heard of this company.

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 2024-02-08 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: PA

Complaint narrative:
" I took immediate action by sending a certified letter to XXXX XXXX to demand that they remove the charge-off status of my old account from my credit report. Their response was unsatisfactory as they claimed to have stopped reporting to the credit bureaus. But despite their assurance, Equifax has continued to report this information falsely. This is unacceptable and I demand that this error is corrected immediately. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Castle and Cookie Mortgage LLC
State: HI

Complaint narrative:
My morgage is with castle and Cooke Im also have assistance from the Homeowner Assistance Fund. On XX/XX/XXXX escrow analyst was done and determined I have a shortage and on XX/XX/XXXX my monthly payment will increase, I informed them I would pay for the short. They said another analysis needs to be run to get a correct amount which would be done XX/XX/XXXX. HAF was unaware of the increase sent payment for 3 months and was accepted on XX/XX/XXXX. On XX/XX/XXXX a letter to HAF was sent to let know about the info. XXXX payment was processed and XXXX and XXXX was put into a unapplied fund.On XX/XX/XXXX a letter to HAF was sent to let know about the change. On XX/XX/XXXX they took part of XXXX 's payment to add to XXXX and processed payment at the higher amount. They claim they was within their right to process payment and I should discuss with HAF if additional payment would be sent to cover the amount they took for XXXX. If I expressed multi times I was going to pay the shortage and they were running another analyst why wasnt payment process other then to take my money and potentially cause me to be unable to pay XXXX bill

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Applied for Credit Card and was denied twice XXXX and XXXX. 

15 U.S. Code 1691 - Scope of prohibition States ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ( 1 ) on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; ( 2 ) because all or part of the applicants income derives from any public assistance program ; or ( 3 ) because the applicant has in good faith exercised any right under this chapter. 

I believe that I have been a victim to the law when I more than qualify for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
After calling American Honda Finance on XXXX, customer rep XXXX informed me that despite all of my payments being sent by bill pay 3-5 days in advance of my payment due date, all of my payments are late. I asked to speak to someone that handles the payment posting, but was denied. I asked for a supervisor, but was told by XXXX that there were no supervisors available. I was also advised that while I could try calling again to talk to a different representative, but there would be " detailed notes of our conversation '' in the file.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed XXXX, Experian and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days.

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 2024-02-08 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: NJ

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2024-02-08 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: NJ

Complaint narrative:
I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Information furnished by Early Warning Systems from my XXXX XXXX XXXX Account is a violation to my rights protected by the FCRA and Privacy Act of 1974. Due to the fact they have took it upon themselves to share my private information without my consent in written format requesting for this furnishing to happen ( I opened an account with them in 2017 ). Under 15 USC 1681b Section 604 ( 2 ), and 5 USC 552 ( b ) Privacy Act of 1974, the conditions for disclosure is, no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and All in all this must be resolved in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I am being taken advantage of as a consumer by Early Warning. They keep reporting this inaccurate item without providing me evidence of them fully verifying the information as required by the FCRA. This is my notice that I will be seeking legal action against them.

Company response to consumer: Closed with explanation