vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-18 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: MI

Complaint narrative:
Chase denied my claim for driven collision for XXXX even tho I lost my card and reported it in the timely matter. How can you get done with an investigation in XXXX  days I dont understand chase uses some XXXX workers that barely understand how fraud works. And on top of that the representative that filed my claim didnt even put that I lost the card and he didnt even filled a few more dispute included in the fraud but Im not even worried about that I want my money back! I will stop using chase after I get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-18 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: PA

Complaint narrative:
I am writing to formally dispute the negative inquiries on my credit report, which are adversely affecting my ability to secure housing. Despite my previous attempts to resolve this matter directly with the credit bureaus, the negative inquiries continue to remain on my credit report, thereby impeding my access to fair housing opportunities. 

Under the provisions outlined in 15 U.S.C 1681, I assert my rights to accurate and fair credit reporting. These negative inquiries inaccurately reflect my creditworthiness and jeopardize my fundamental right to access housing, they are defamation to my character, which is protected under human rights laws. 

I have diligently followed the necessary procedures to dispute and rectify these inaccuracies, yet the negative items persist on my credit report. I am requesting immediate action to investigate and remove these erroneous entries from my credit report in accordance with the law. 

Enclosed with this letter are copies of the relevant documentation supporting my claim, including previous correspondence with the credit bureaus regarding this matter. 

Additionally, I would like to highlight specific discrepancies pertaining to the accounts listed on my credit report. These discrepancies are primarily attributed to the absence of valid dates associated with the accounts. Specifically, the account " XXXX XXXX XXXX '' with an amount of {$2400.00} is erroneously duplicated on my credit report, appearing XXXX. 

Furthermore, the following accounts exhibit discrepancies due to the absence of valid dates : - XXXX XXXX XXXX : {$2300.00} - XXXX XXXX XXXX : {$580.00} - XXXX XXXX XXXX XXXX : {$3700.00} - XXXX XXXX XXXX : {$630.00} - XXXX XXXX : {$9700.00} These inconsistencies not only misrepresent my credit history but also hinder my ability to secure housing. I urge for a thorough investigation into these discrepancies and prompt removal of the inaccurate information from my credit report. 

I kindly request that you initiate a thorough investigation into this dispute and take prompt measures to rectify the inaccuracies on my credit report. Your assistance in resolving this matter expediently is greatly appreciated. 

Thank you for your attention to this urgent matter. 

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 2024-04-18 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: PA

Complaint narrative:
I am writing to formally dispute the negative inquiries on my credit report, which are adversely affecting my ability to secure housing. Despite my previous attempts to resolve this matter directly with the credit bureaus, the negative inquiries continue to remain on my credit report, thereby impeding my access to fair housing opportunities. 

Under the provisions outlined in 15 U.S.C 1681, I assert my rights to accurate and fair credit reporting. These negative inquiries inaccurately reflect my creditworthiness and jeopardize my fundamental right to access housing, they are defamation to my character, which is protected under human rights laws. 

I have diligently followed the necessary procedures to dispute and rectify these inaccuracies, yet the negative items persist on my credit report. I am requesting immediate action to investigate and remove these erroneous entries from my credit report in accordance with the law. 

Enclosed with this letter are copies of the relevant documentation supporting my claim, including previous correspondence with the credit bureaus regarding this matter. 

Additionally, I would like to highlight specific discrepancies pertaining to the accounts listed on my credit report. These discrepancies are primarily attributed to the absence of valid dates associated with the accounts. Specifically, the account " XXXX XXXX XXXX '' with an amount of {$2400.00} is erroneously duplicated on my credit report, appearing XXXX. 

Furthermore, the following accounts exhibit discrepancies due to the absence of valid dates : - XXXX XXXX XXXX : {$2300.00} - XXXX XXXX XXXX : {$580.00} - XXXX XXXX XXXX XXXX  : {$3700.00} - XXXX XXXX XXXX : {$630.00} - XXXX XXXX : {$9700.00} These inconsistencies not only misrepresent my credit history but also hinder my ability to secure housing. I urge for a thorough investigation into these discrepancies and prompt removal of the inaccurate information from my credit report. 

I kindly request that you initiate a thorough investigation into this dispute and take prompt measures to rectify the inaccuracies on my credit report. Your assistance in resolving this matter expediently is greatly appreciated. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX XXXX ---

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I acknowledge that as per FCRA 605B, it's crucial to eliminate any erroneous accounts from my credit report. Would you mind reviewing the documents? I've noticed that several of the listed accounts appear to be inaccurate, and this is causing me concern

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 2024-04-19 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: OK

Complaint narrative:
I checked my credit report and I am upset about what I found out. There is a late payment remarked on it but I did not incur any late payments.

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 2024-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I wish to submit a complaint. A Bank of America customer representative informed me that I could deposit a check not in my name, provided that the person named on the check endorsed it alongside me, assuring that it would clear after a brief hold. However, Bank of America rejected the check despite it being issued by their bank. The other individual named on the check contacted Bank of America XXXX, the check 's source, and was advised that it should clear in my account, which did not happen. I request a written explanation for this denial. If there is no policy supporting this denial, I request that the funds from the check be deposited into my account.

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 2024-04-19 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: GA

Complaint narrative:
I looked at my report back on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. This account XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX XXXX : Account number : XXXX is not complete and it's not accurate. 

XXXX : Account number : XXXX is not complete and it's not accurate XXXX CARD : Account number : XXXX is not complete and it's not accurate I sent to XXXX on XX/XX/XXXX, asking them to reinvestigate the accounts above and here is my tracking number : XXXX XXXX XXXX XXXX XXXX I got the investigation back but noticed nothing was modified or updated. According to 15 USC 1681 ( 5 ) So I sent a letter on XX/XX/XXXX requested a description of the reinvestigation and they do not provide it to me which is a violation of 15 USC 16811 ( 7 ). I did not receive description of the reinvestigation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: AZ

Complaint narrative:
Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 


1. 15 U.S. CODE 16811 - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX  Account Number : XXXX Delete this account. 

2. there is some inaccurate information reporting XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX CARD Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX CARD Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX of inquiry : XX/XX/2024 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it from my credit report. 

11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER XXXX XXXX XXXX Date of inquiry : XX/XX/2024 Please remove it 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 2024-04-19 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: FL

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

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 2024-04-19 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: AZ

Complaint narrative:
I recently reviewed my credit reports, I did not receive any communication from TransUnion informing me that this account was under dispute. This failure to notify me of the dispute violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically section 623 ( a ) ( 3 ), which mandates that credit bureaus must notify consumers within 5 business days of the receipt of a notice of 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 non-monetary relief
Consumer complaint received 2024-04-19 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: TN

Complaint narrative:
Recently, I did an an investigation on my report and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2024-04-19 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: TN

Complaint narrative:
Recently, I did an an investigation on my report and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct In accordance with the Fair Car Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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: PA

Complaint narrative:
hello my name is XXXX XXXX XXXX these inquires were not consent by me. Please remove it immediately. Thank you

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 2024-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OR

Complaint narrative:
I switched my loans to the XXXX plan recently. When I look at the federal estimator it shows my possible loan payment amount at XXXX $ a month, when I complete the application for ALL of my loans it shows my payment amount at XXXX $ a month. Mohela seems to have XXXX separate lines for my loans XXXX on it's own and the other XXXX grouped together. Both under the save plan but calculated separately. This is resulting in {$230.00} and XXXX or XXXX a month. This is clearly a mistake of how they've decided to separate the loans which should be grouped together. When I call to ask about it I spend hours on the phone where they ask me to recalculate through the federal student aid office ( done ), where they tell me that the amounts are accurate ( wrong ) or they otherwise refuse to resolve it. When I ask what the numbers they have based my calculation on are they refuse to give it to me leading into a perpetual cycle of calling and not resolving the problem. I have not been able to get a single person to understand why calculating the XXXX loans separately is incorrect and why they should be grouped together under a single payment and calculated together and they tell me they are going to have someone 'review ' my account and offer XXXX business days to complete the review. There is never any review which seems to occur and when I call to ask again I get the same run around.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-19 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: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed an inaccurate account. I feel that this account affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this for me to ensure accuracy. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-19 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:
Recently I looked at a copy of my credit report and noticed an inaccurate account. I feel that this account affecting my credit report and costing me thousands of dollars in interest every year. It is my understanding that you will investigate this for me to ensure accuracy. XXXX XXXX XXXX XXXX After your investigation is complete, please send me the results via mail.

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 2024-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your 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 explanation
Consumer complaint received 2024-04-19 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: GA

Complaint narrative:
On XX/XX/XXXX, I discovered a credit card that was not opened by me on my credit reports. On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted XXXX and asked for them to remove the account as I could see on my report that it was opened with a Florida address I've never used. At this time I was completing online classes at XXXX University which is located in XXXX. I speculate that this is somehow connected to my information being stolen and used to establish this account.

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 2024-04-19 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: NE

Complaint narrative:
Please update my account and remove the inaccurate late payment. I always pay on time and never missed a payment. I'm begging you please update my account.

Company response to consumer: Closed with non-monetary relief