vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  CC Account Number : XXXX Account Name : XXXX XXXX & XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I transferred money from my chase checking account into my XXXX checking account. Chase froze my existing account due to fraud suspicions. After multiple phone calls the team told me twice the account would be unfrozen. After a week or so of XXXX access to my account I was then told the account was closed. I walked into a chase branch to understand the issue. The branch employee told me the account was closed and that chase would be sending me a check for the amount remaining in my account. Its now been over a month and I have no access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: FL

Complaint narrative:
I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide consumers with a description of the procedure used to investigate disputes within 15 days of receiving a request.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, it is imperative that all credit information provided is accurate, transparent, and fair to protect consumer rights. 

Below are the details of the disputed account : Name of Account and Account Number : XXXX XXXX XXXX - XXXX I kindly request that you provide the following : A description of the procedure used to investigate and verify this account. 
The source of the information relied upon to verify the account. 
If the disputed account can not be deleted immediately due to inaccuracies or unverifiable information, I expect the requested description of the investigation process as required by law. 

I appreciate your prompt attention to this matter and look forward to receiving your response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2024-12-10 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: FL

Complaint narrative:
I am writing to formally request a detailed description of the investigation process followed by your agency regarding the disputed account listed below on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( 7 ), credit reporting agencies are obligated to provide consumers with a description of the procedure used to investigate disputes within 15 days of receiving a request.

Additionally, under the Truth in Lending Act ( TILA ), 15 U.S.C. 1601, it is imperative that all credit information provided is accurate, transparent, and fair to protect consumer rights.

Below are the details of the disputed account : Name of Account and Account Number : XXXX XXXX XXXX - XXXX I kindly request that you provide the following : A description of the procedure used to investigate and verify this account. 
The source of the information relied upon to verify the account. 
If the disputed account can not be deleted immediately due to inaccuracies or unverifiable information, I expect the requested description of the investigation process as required by law. 

I appreciate your prompt attention to this matter and look forward to receiving your response within the timeframe established by the FCRA, the Consumer Protection Act, and the Truth in Lending Act.

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 2024-12-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Credit Karma, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX, I attempted to view the current balance of my Credit Karma savings account, open since XXXX. I have been depositing into the account on a automated weekly basis since at least XXXX. My last transfer into the account was XX/XX/XXXX for {$50.00} USD. The time I last checked the account physically on my app was XX/XX/XXXX, where my account was accessible and all appeared as expected. 
I was married and had a legal name change in XXXX of XXXX. From my understanding, my account details were fully updated at that time. When I access my " Personal Information '' on Credit Karma, I see my Legal Name, Current Phone Number, Current Address, and I updated my email contact XX/XX/XXXX. 
Worried I was unable to see my account and there was an error message instead on my " savings '' page, I was able to " Live Chat '' with an agent. Through this I was informed my account was closed after multiple attempts to reach me to confirm my personal details. I unequivocally deny this as I have not one attempt of trying to confirm details- I did not even get a notice my account was closed. I asked for proof of attempts to contact and none were provided. I was told I will get a check with the balance of my savings account. They are unable to tell me the final balance of my savings and when I should expect a check. Upon saying they will send a check, I confirmed my address to which they said the address they had on file does not match which will " escalate '' the case to the proper team. My address is up to date when I access my Personal Information on Credit Karma. I have had no contact from this team since this occurred 24 hours ago. I asked for a phone number to try to speak to somebody. It was an XXXX second language call center who said they will mail a check, but again was unable to provide any amount, proof a check will be mailed, and had extreme trouble understanding my address after explaining over 4 times. I am extremely concerned my life savings is missing and my account was wrongfully closed. I will never be banking with this company again- but I need proof a check will be provided and proof of the last amount as well as a date the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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:
Kindly ensure the unauthorized accounts are blocked and removed from my credit report promptly. I did not authorize or open these accounts and have no knowledge of their origin. Under USC 1681g, I formally request their removal within 15 days. I have included all relevant documents for your review and reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Altisource Portfolio Solutions, S.à r.l.
State: MI

Complaint narrative:
XXXX XXXX my current mortgage company paid a check as an insurance premium to a company called XXXX using my loan mortage number ending in XXXX ( See Attachment ) headquartered in XXXX Georgia as I have had no affiliation with this company. XXXX had provided the phone number to XXXX which is XXXX. Upon calling XXXX, they explained that they are a property preservation, and inspection agency who receives insurance claims and referred to their account receivables department at XXXX. I have made several attempts to call and after being on hold for several minutes, phone hangs up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Regarding the XX/XX/2024, issue I had with Nordstrom for purchasing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and necklace, my account was credited for the full amount. However, Nordstrom reported my account late to all three credit bureaus. I filed a complaint with XXXX and was informed that the information reported was correct and that they would not change it. After their Nordstrom investigation, my dispute was settled, and my account was credited. Hence, the negative report to all three credit bureaus should also be corrected. 
See below for the previous report I filled. : On XX/XX/2024, I purchased an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for my son. According to Nordstrom, the item was delivered to my home. I checked with all my neighbors and no one saw the package. I called Nordstrom several times and informed them I had not received the item. I filed a dispute and was denied. I was told by XXXX XXXX customer service financial service supervisor that once the item is shipped out, Nordstrom is not responsible for it. I was also told to go to my local police Precinct and file a report. I did and was informed that because of the high volume of petty theft in my neighborhood, they were unable to take the report. I also informed Nordstrom that in my neighborhood there are several persons with the beginning of my address and what differentiates the homes is the street number, because the XXXX delivery takes a picture it does not necessarily mean it came to XXXX XXXX. I went to several XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX and asked about the package and no one seemed to have gotten it. I was charged late fees and Nordstrom has placed a late payment on my credit report because of this item. I have called them several times but no one is willing to help. It is difficult for me to pay for an item I did not receive. Purchased online on XX/XX/2024 Order # XXXX | XXXX item

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-10 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: VA

Complaint narrative:
In my case, as detailed in the letter, I identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. consumer protection laws. These violations involve willful noncompliance, failure to disclose opt-out rights, furnishing of inaccurate credit report entries, and unauthorized sharing of my personal information. Here 's a summary of what happened : Willful Noncompliance ( FCRA Section 616 ) : Credit information about me was accepted and reported without proper verification of its accuracy, which is a violation of the FCRA. 

Failure to Disclose Opt-Out Rights ( FCRA Section 603 ) : My rights to opt out of personal information sharing were not disclosed, a deceptive practice under the law. 

Furnishing of Deceptive Forms ( FCRA Section 623 ) : Inaccurate inquiries and accounts were furnished without proper validation, which I believe breaches Generally Accepted Accounting Principles ( GAAP ). 

Debt Collection Practices Act Violations : The inaccurate debts and accounts reported caused unnecessary distress and unwanted contact from debt collectors, constituting harassment and unfair practices. 

Improper Sharing of Debt Information : Debt collectors improperly disclosed my information to third parties, violating rules on acquiring location information. 

Inaccurate Late Payment Reporting : " Late payments '' were reported on my credit report without providing a clear definition of what constitutes lateness, resulting in misleading entries. 

Errors in Finance Charge Determination : The agency failed to accurately determine finance charges on my accounts, which is a fundamental responsibility. 

Violations of Permissible Purpose Requirements ( FC

RA Section 1681b ) : Information was included on my credit report without obtaining my written consent, breaching permissible purpose standards. As a result, I demanded specific corrective actions, including the removal of inaccurate accounts, deletion of unauthorized inquiries, and proper validation of debts under 15 U.S. Code 1692g. If these issues are not addressed promptly, I intend to pursue the legal remedies afforded to me under the FCRA and related laws.

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 2024-12-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-10 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: PA

Complaint narrative:
On XX/XX/year>, I contacted Experian about uploaded documents for proof of address that I forwarded to them online and regular mail several times to correct my address on my credit report so that inaccurate items can be removed but they told me they do not have the documents. 
On XX/XX/year>, I called Experian again to verify that they received my proof of address documents and they stated that they did not receive them. This consistent discrepancy from XXXX is causing inaccurate items to remain on my credit report and is affecting my credit score. 

Also, there is a charged off account on my credit report from XXXX XXXX that was disputed and XXXX failed to investigate and remove this account although it violate the Fair Credit Act due to the account having an increased balance from the original charged off debt. By law, charged off accounts are tax write offs and the balance are not supposed to increase.

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 2024-12-10 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-10 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief