vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing this formal complaint regarding the handling of my chase checking account ( # XXXX ) and the wrongful restriction placed on my funds. 
On XX/XX/year>, I deposited a third-party check in the amount of {$12000.00}, which was signed over to me by my sister, XXXX XXXX XXXX Before making the deposit, I specifically asked the bank teller whether I could deposit a third-party check that was properly endorsed to me. The teller assured me that this was permissible. 
Following the deposit, I was informed that a 10-day hold would be placed on the check, making the funds available by XX/XX/year>. However, on XX/XX/year>, I received an alert from Chase stating that my accounts required further review due to alleged suspicious or fraudulent activity, leading to account restrictions and a potential closure. 
I have made multiple attempts to resolve this issue, including numerous calls to Chase 's fraud department and an in-person visit to my local branch. Despite my efforts, I have been met with no resolution or clear explanation regarding the status of my funds. 

As a newly single mother battling XXXX XXXX XXXX XXXX, this situation has placed a severe financial and emotional burden on me. My XXXX daughter depends on me, and I have critical XXXX and XXXX XXXX  scheduled. The funds in question were signed over to me specifically to help cover my medical expenses. Chase 's failure to release my money as promised has significantly impacted my ability to manage my medical care and financial responsibilities. 
I filed a XXXX XXXX complaint on the grounds that Chase Bank has failed to fulfill its obligations as my financial institution. Now I am submitting a formal complaint to the Banking Commission regarding Chase 's mishandling of my account and unjustified withholding of my funds. 
I demanded an immediate resolution to this matter and the release of my funds without further delay. 

As of XXXX chase has closed all of my accounts and still has the funds from the check deposited, after cashing the check. My sister can not call the IRS to cancel the check due to it being cashed. This has been a total injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH

Complaint narrative:
I had contacted Helvey and Associates on XXXX after seeing their info reporting a collection on my credit report. 
When I contacted Helvey and Associates on XXXX I wanted to get this collection paid and set up a payment plan of {$100.00} a month until the collection amount would be paid in full and started the first payment with a debit card payment on XXXX for {$100.00}. Reference # XXXX I received a letter ( on XXXX ) dated XX/XX/year> showing a plan for XXXX payments of {$100.00} and a third payment for the remaining {$1100.00} balance. 

This was a recorded/documented call with Helvey and Associates Inc when a fraudulent/misleading payment plan was set up from Helvey and Associates Inc. which was not what I had set up and agreed to when I called Helvey and Associates Inc . 
I made calls on XXXX after I received the first letter in the mail. These calls were not answered by Helvey and Associates Inc. after long holds. 

I made calls XXXX and did get an answer at XXXX. 
When I spoke to XXXX on the call, she informed me that what was set up was the two- {$100.00} payment then the final balloon payment for the {$1100.00}. She informed me that this is actually the only type of payment plan offered in this scenario and that should have been explained when set up. XXXX also informed me that the plan can be re-evaluated if making XXXX payments etc. which was part of what they should explain when setting up plans. 

The First person setting up the plan kept this information hidden to receive a first payment then let the issue fall onto others when that time came. ( myself ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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:
Upon reviewing my credit report ( Equifax ) I noticed reporting on my credit report were unknown and unauthorized hard inquiries listed. 
XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive sent a letter out, and Sent a dispute via Experian and the problem has not been fixed

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NJ

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 responsability to report Consumer information to the best of their ability with Maximum Accurancy. I have never been late on payments for the account : ( 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 explanation
Consumer complaint received 2025-02-26 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: DE

Complaint narrative:
Subject : Request for Removal of Late Payments Under 15 U.S.C. 1666 ( b ) I am writing to formally request the removal of late payment information reported on my credit file in accordance with Section 1666 ( b ) of the Fair Credit Billing Act ( 15 U.S.C. 1666b ). I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX  XXXX ) I believe that the late payment reporting is either inaccurate or was caused by circumstances beyond my control, which are protected under this statute. Specifically, 15 U.S.C. 1666 ( b ) requires that creditors credit payments to accounts on the date they are received and prohibits unfair reporting when payments have been improperly handled. Given these circumstances, I respectfully request that you investigate this matter and remove the inaccurate late payment information from my credit report. This correction would ensure compliance with federal laws and maintain the accuracy of my credit history. Please notify me in writing of the outcome of your investigation. Should you need any further information, please feel free to contact me at XXXX or XXXX Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: NC

Complaint narrative:
Subject : Dispute of Credit Report Information Civil Liability for Negligence under 15 U.S.C. 1681p Dear Sir/Madam, I am writing to formally dispute certain information appearing on my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681p regarding civil liability for negligence.

On [ Date of Notice or Event ], I reviewed my credit report and discovered that [ describe the inaccurate or negligent information, such as incorrect account details, incorrect balance, or wrong status of an account ]. I believe this information is incorrect and has been reported negligently, as it does not accurately reflect my credit history or standing.

According to Section 1681p of the FCRA, any
person who reports inaccurate information, whether negligently or willfully, may be held liable for damages caused by such incorrect reporting. The negligence demonstrated in this case is detrimental to my financial standing, and I am requesting immediate correction of this inaccurate entry. 
The specific item ( XXXX ) I dispute are as follows : * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX * The account, listed XXXX, was previously reported by [ Original Creditors XXXX XXXX and has since been sold to XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
* I believe this information is inaccurate because the collection account has been transferred, and I am not responsible for the debt as stated. I request that you remove the collection entry from my credit report, as it no longer reflects the correct status of the account. 
* In accordance with the Fair Credit Reporting Act, I ask that you investigate and correct this information accordingly. Please provide written confirmation of the outcome. 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Please investigate this matter as required by law, and kindly provide me with written confirmation of the outcome of your investigation. If this information is found to be incorrect, I request that it be corrected immediately and that any negative effects on my credit score be rectified.

Additionally, should you find that this information was negligently or willfully reported, I will be pursuing civil liability under 15 U.S.C. 1681p for damages caused by this error. 
Thank you for your prompt attention to this matter. I expect a resolution within 30 days as stipulated under the FCRA. 
Sincerely, 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 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a complaint against Equifax for failing to respond to my credit report dispute within the 30-day period required by the Fair Credit Reporting Act ( FCRA ). I mailed a dispute letter to Equifax, challenging inaccurate items on my credit report. A copy of this letter is attached for your reference. Under the FCRA ( [ 15 U.S.C. 1681i ( a ) ( 1 ) ] ( XXXX XXXX XXXX XXXX XXXX, Equifax is obligated to investigate and respond within 30 days. As of today, XX/XX/year>, I have received no response, which violates my rights under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report XXXX XXXX XXXXXXXX XX/XX/year> {$7800.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MARINER FINANCE, LLC
State: MO

Complaint narrative:
Today, XX/XX/XXXX my wife recieved a call from a person saying they worked for Mariner Finance. I spoke with the agent and asked who they were because recently I have noticed late payments reported to this company that I do not know. The agent told me he was calling for XXXX ( not my name ) and it was for a private loan. I asked when this loan originated what it was for and how would I have applied. The agent said the loan originated XX/XX/XXXX for approx {$1500.00} and they had only recieved 1 payment in XX/XX/XXXX. I let the agent know I would be willing to pay and had questions about the loan still. I told the agent I didn't know what this loan was and this is the first time I had heard from them aside from noticing a delinquency on my credit report and asked again what the loan was from. The agent told me they have called me sent emails sent mail and then said my address. I let the agent know I had recieved no calls, the address was correct but I had no mail I had no emails and the phone number he was calling was my wife 's number. The agent said I should ask my wife about the loan and I said I was asking him as the " lender ''. I asked what email and phone number the agent had to potentially correct contact information. The agent began talking over my questions and said I had been informed. I told the agent I didn't appreciate the aggressive tone he was giving me or to ask my wife about the loan. I submit this complaint now because this company has no more information that a stranger can find about me online with incorrect information, no prior contact, no explanation of what the loan is other than to ask my wife and I can not understand why I would be contacted on my wife 's phone XX/XX/XXXX about a personal loan about to go into collections opened in XX/XX/XXXX. I ask seeking guidance for a course of action to have this error removed from my credit, to say I do not know this company or know of this loan and ask how to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to file a formal complaint regarding fraudulent accounts that remain on my credit report despite my repeated attempts to resolve this matter. I have contacted TransUnion multiple times and provided all necessary documentation, including an FTC fraud report. However, these fraudulent accounts have not been removed, and I have not received any follow-up action on my case. 

When I initially reported these accounts as fraudulent, I was informed that the accounts would be removed within 4 days upon submitting the required FTC report. However, no changes have been made to my credit report, and I continue to see these fraudulent accounts listed. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies investigate and correct inaccuracies or fraudulent information within 30 days of receiving a dispute. 

Under FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must remove or correct fraudulent information if it is disputed. Additionally, when a consumer submits proof of identity theft or fraud, such as an FTC fraud report, the FCRA ( 15 U.S.C. 1681c-2 ) mandates that the credit reporting agency must remove the fraudulent information within 4 business days. I have provided all necessary documentation, including the FTC report, and I was informed that these fraudulent accounts would be removed within the specified timeframe. However, no action has been taken.

Furthermore, the Fair and Accurate Credit Transactions Act ( FACTA ), which amends the FCRA, requires that fraudulent information be removed promptly upon receiving the necessary documentation, and certainly within the 4-day requirement. The failure to remove these fraudulent accounts within the specified time is a clear violation of both the FCRA and FACTA, which were designed to protect consumers from the long-term consequences of identity theft.

I kindly request that you take immediate action to remove these fraudulent accounts from my credit report and provide written confirmation that the removal has occurred. If this matter is not resolved within the next 30 days, as required by law, I will be forced to pursue further legal action to enforce my rights under the FCRA and FACTA.

Thank you for your prompt attention to this matter. I expect a timely resolution in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I tried to access my annual credit reports online but kept getting error messages. When I requested them by mail, I only received summary reports instead of my full annual reports. Because of this, Im using your platform to help me resolve the issue and obtain my complete file disclosures from ( enter bureau names ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reviewed my credit profile and noticed inquiries that I have not given written instructions to 3rd parties to report to my file. According to The FCRA this is in violation of 15 USC 1681b-PERMISSIBLE PURPOSE. Please understand that no consent is identity theft. I AM DEMANDING THESE ACCOUNTS BE REMOVED IN 2 BUSINESS DAYS. 

XXXXXXXX XXXX XXXX XXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-26 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
After sending in the supporting documents several times, Equifax still has not removed adverse accounts from my credit report. I have spoken to representatives at Experian on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year> and today XX/XX/year> but to no avail. I'm being told that it's going to take more time. Pursuant to XXXX of the Fair Credit Reporting Act items should be removed by XXXX business days after receipt of XXXX  XXXX  claim and supporting documents. Experian is violating my rights as a victim and is in clear violation of the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: GA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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