vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I applied for a Chase credit XXXX. I received a letter in the mail on XXXX stating that my application was denied due to suspected fraud. My credit has as a hard inquiry reflected on credit karma. My concern is that if Chase did not believe I was the applicant why was my credit ran? That should be the first step in the application process not running my credit then back tracking. I contacted Chase via telephone XXXX and answered security questions and submitted requested documents. The document I submitted was a copy of my current valid drivers license which has my current address on it. I received an additional letter on XXXX stated that my application was denied due to suspected fraud. I called Chase via telephone and Chase would not provide information on why Chase suspected fraud in an attempt to resolve the concern. Chase told me that my application was completely void and Chase was unable to view my application. Chase told me to go to a Chase bank in person to apply. I asked to speak with a supervisor and Chase said that they were the last person I could speak with. I ended the phone call. My credit score is lowered by XXXX points now on credit karma due to this inquiry. I was not provided my credit score from Chase. I was not provided information on which credit bureau ( bureaus ) my credit was ran from by Chase. I was not provided any information on how to obtain a copy of my credit score information. This is not in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
XXXX XXXX XXXX, SOUTHWEST CREDIT SYSTEM, XXXX XXXX XXXX Keep hoping on my credit report I dont know whats this I want proof of this company saying me ID social security number etc..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-09 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: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, QUALITY ACCEPTANCE LLC Keep hoping on my credit report I dont know whats this I want proof of this company saying me ID social security number etc..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: DC

Complaint narrative:
The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX looked at my Experian credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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 2024-11-09 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the XXXX, XXXX, and Equifax to reinvestigate this account from 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate this account from 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 2024-11-09 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:
Dear CFPB, I am writing to seek your assistance with an ongoing issue I am experiencing with XXXX, Equifax XXXX XXXX. Despite my efforts to initiate an investigation into certain items on my credit report, the bureau has repeatedly claimed that I am not the individual requesting this information. As a result, they have failed to take any action on my request. 

I have provided all necessary information and have verified my identity multiple times to the credit bureau, yet they continue to deny my request. This situation is incredibly frustrating and has significant implications for my financial well-being. 

I kindly request that the CFPB hold XXXX, Equifax XXXX XXXX accountable for their lack of action and ensure that my investigation proceeds without further delay. It is essential that my rights as a consumer are upheld, and I believe your intervention is necessary to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: GA

Complaint narrative:
Dear CFPB, I am writing to seek your assistance with an ongoing issue I am experiencing with XXXX, XXXX & Experian. Despite my efforts to initiate an investigation into certain items on my credit report, the bureau has repeatedly claimed that I am not the individual requesting this information. As a result, they have failed to take any action on my request. 

I have provided all necessary information and have verified my identity multiple times to the credit bureau, yet they continue to deny my request. This situation is incredibly frustrating and has significant implications for my financial well-being. 

I kindly request that the CFPB hold XXXX, XXXX XXXX Experian accountable for their lack of action and ensure that my investigation proceeds without further delay. It is essential that my rights as a consumer are upheld, and I believe your intervention is necessary to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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 explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit bureaus are inconsistent in their adjustments to my credit scores. I dropped my overall credit card balance by almost {$2000.00} and no change to my scores. Then when the balance of XXXX card goes up {$160.00} one bureau ( XXXX ) decreases my score by XXXX points! This makes no sense. I watch my scores on a consistent basis and if I didnt no better I would think this is an example of institutional racism. They have slowly ticked down but rarely tick up. To have a minor negative years ago my accounts they have slowly taken me down bit by bit to middle XXXX. This does not compute even with high usage. XXXX never rise my scores if I decrease my usage by {$2000.00} and get no change then a small increase reduces my scores. Somebody needs to look into why there doesnt seem to be any consistency.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All three credit bureaus are inconsistent in their adjustments to my credit scores. I dropped my overall credit card balance by almost {$2000.00} and no change to my scores. Then when the balance of one card goes up {$160.00} one bureau ( XXXX ) decreases my score by XXXX points! This makes no sense. I watch my scores on a consistent basis and if I didnt no better I would think this is an example of institutional racism. They have slowly ticked down but rarely tick up. To have a minor negative years ago my accounts they have slowly taken me down bit by bit to middle XXXX. This does not compute even with high usage. Ill never rise my scores if I decrease my usage by {$2000.00} and get no change then a small increase reduces my scores. Somebody needs to look into why there doesnt seem to be any consistency.

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 2024-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Rocket Mortgage, LLC
State: AR

Complaint narrative:
I have a mortgage with Rocket Mortgage. I owe approximately XXXX. In recent months the equity per Rocket Mortgage has increased which has increased the insurance on the property. What was a payment of {$1100.00}. Is now {$1500.00}. It seems to increase about a XXXX dollars every couple of months. The county has appraised the property for approximately {$280000.00}. Rocket Mortgage appraisals it at present for about {$430000.00}. I am now struggling to meet the increasing insurance premiums that has increased my monthly loan payment. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
According to the FCRA account, CAPTIAL ONE BANK USA has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of accurate debt if valid ; ( 2 ) the debt owed is a culmination of what alleges to be fraudulent charges ; retained deposits, were not returned, were undisclosed and unaccounted for.

Name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
I've contacted the credit bureaus on multiple occasions most recently XX/XX/year> in regard to inquires, addresses and accounts that don't belong to me. The requests are being ignored and not being responded to although they have no proof of this/ these debts or inaccuracies being mine. I am requesting that the inquiries be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The following addresses are NOT mine nor have I ever lived at nor had any affiliations. I've lived on XXXX XXXX XXXX XXXX 6 years : XXXX XXXX XXXX XXXX tx XXXX and XXXXXXXX XXXX XXXX XXXX XXXXXXXX tx XXXX. PLEASE REMOVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. 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 2024-11-09 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:
I've contacted the credit bureaus on multiple occasions most recently XX/XX/year> in regard to accounts that don't belong to me. The requests are being ignored and not being responded to although they have no proof of this/ these debts or inaccuracies being mine. The following accounts DO NOT belong to me ; XXXX XXXX XXXX which shows last reported on XX/XX/year>., XXXX XXXX XXXX {$1400.00}, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. I am requesting these accounts are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-09 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:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 


Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


XXXXharge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!

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 2024-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under 15 U.S.C. 1681e ( b ), credit reporting agencies are legally obligated to maintain only accurate, fair, and up-to-date information on consumer reports. The entries listed below are inaccurate due to errors related to the processing of my accounts within the XXXX XXXX XXXX XXXX, which did not authorize derogatory closures or delinquencies. Additionally, under 15 U.S.C. 1681i ( a ), as a consumer, I hold the right to dispute any inaccuracies, and I am hereby requesting that your agency, per federal law, investigate these accounts to correct or delete the inaccurate information within the mandated 30-day timeframe.

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