vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Dear XXXX, On XX/XX/XXXX I submitted a request for investigation under FCRA 611 ( a ) to XXXX regarding the following accounts on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as XXXX has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name. Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that XXXX delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. I am requesting that XXXX provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of XXXX. Please note that I intend to pursue legal action if this matter is not resolved. I would like to remind you of XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that XXXX will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. Best regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Florida XXXX SSN : XXXX D.O.B : XX/XX/2024 Attn. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed document contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in the fraudulent account, I expect to see original proof of the accounts that I am listing below. Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed, and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Please verify and remove the following immediately : ACCOUNT NUMBER COMMENTS XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX  XXXX XXXX Not my account Please note that I have opted out in writing of your forced arbitration terms and a willingness to seek legal relief. I expect you to delete these negative accounts and provide me with an updated report within 30 days in accordance to the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Loan was sold earlier this year to NewRez XXXX Provided both XXXX XXXX XXXX XXXX XXXX XXXX Polices through web portal XXXX Insurance Agent mailed XXXX XXXX XXXX Policy to provider ( confirmed address ) XXXX Provided both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX through web portal after receiving another letter stating lender would place insurance coverage on property. 
XXXX XXXX XXXX XXXX XXXX speak with a representative. Representative indicated they only received one policy. I sent both policies to her while on the phone. She indicated that the XXXX XXXX XXXX was not adequate coverage for the new lender. I told her this was not explained in any of the letters which was misleading. I also didn't choose to have this mortgage sold to a different lender. I also indicated that we have had this same policy since XXXX  without any issues and this would come at a great expense to us. Practice is misleading to send notifications without information on how to resolve without calling. Also suddenly requiring additional coverage is penalizing and comes at a large expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX MY BIRTHDAY IS LISTED INCORRECTLY IT SHOULD BE XX/XX/XXXX BUT ITS LISTED AS XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Creditors Bureau Associates
State: NC

Complaint narrative:
Good evening XXXX XXXX XXXX, upon discovery & a few phone calls I see your company is not only out of compliance with federal law but state law as well. Creditors Bureau Associates is not registered with the XXXX  XXXX to do business in the state of NC a long with not having a debt collector license with the NC Department of Insurance which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand that it is my right to obtain a copy of my rental report, under the Fair Credit Reporting Act. I am requesting a copy of my Experian RentBureau report sent to me 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: HI

Complaint narrative:
Received a forebearance from loancare due to a natural disaster. The term was 3 months ending in XXXX. In XXXX I tried to contact loancare and was unsuccessful, I finally reached them in XXXX and was told that there systems were down due to a glitch.I spoke with a representative and asked to review options to reinstate, I chose deferring payments to the end. I supplied the requested documents in a timely fashion and asked for a timeframe I was informed it could take 15-30 days. I was assured again that my credit would not be affected. I received a letter stating On XX/XX/XXXX that I was in default.I called and again was informed that when my forebearance ends as long as Im in the resolution stage I would be ok. I called today XXXX est to ask for a progress report and again was told my credit would not be affected when I informed the representative that her information was incorrect I was put on hold and when she returned her words were I just learned something new I at that point asked to escalate. I spoke with XXXX team leader I told her my predicament and that I had done nothing wrong and supplied all documents. I asked why my credit was affected and told her all her representatives had told me it wouldnt. Her words were you received correspondence and anything anyone tells you is incorrect follow the correspondence not the employee. My position is and always was resolution and a clean credit report. Her answer was write a letter disputing the negative report. I feel Im being treated unfairly disrespectful I also feel Im carrying the burden of misinformed employees and systems failures. My credit is now affected causing major issues and I have no resolution in sight. I feel Im being discriminated against due to my race Im preparing to escalate further.

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 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I saw an ad for an apartment for rent and when I applied, I was approved within the next day. I was given a routing number and account number to send the deposit ( {$1300.00} ) but was refused to see the property. The scammer used an old lease agreement and his name was not in any of the documents. The name of the bank account I wired money to also did not match any of the names on the paperwork. This ad was posted on switchboard platform for my local college.

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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XX/XX/2024 Sent via XXXX XXXX # XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To whom it XXXX concern : I am writing in regard to your response to my initial request for my Full Consumer File Disclosure. My request was very specific and I provided the exact sections of the FCRA which require you to provide it to me ( see copy of my original letter attached ). Your response was insufficient in that you did not provide the Full Consumer XXXX XXXX as requested. I will once again state that I am requesting my Full Consumer File Disclosure pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ) to include all other such information listed specifically in my initial letter. No response by you other than providing the Full Consumer XXXX XXXX as required by the FCRA will be acceptable. 

My initial letter was my first request for a Full Consumer XXXX XXXX within the past 12 months and there is no provision in the FCRA which allows you to charge me for it. I expect your full compliance with the law and for me to receive my Full Consumer XXXX XXXX in a timely manner as required by the FCRA. Your failure to do so will result in me initiating legal action to force compliance under the law. Your timely response is appreciated, not later than 15 days from delivery of this notice. Act accordingly. 

Once again, as was provided with my initial request, I am enclosing a copy of my drivers license, Social Security card and utility bill for identification purposes. You are instructed to mask the first XXXX digits of my Social Security XXXX in all writings you return to me. Please note, I am NOT requesting a credit report. 

Thank you in advance for promptly satisfying this request. 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 explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd
State: CA

Complaint narrative:
My business account number XXXX with Wise was closed unexpectedly on XXXX of 2023 while a payment from XXXX was being transferred to it. 

The funds already left my XXXX account however I'm not able to access my Wise account to confirm I received them since it was closed. 

I also didn't receive any reply from Wise support when contacting them regarding my final balance and when/how I would be able to withdraw it. 

The amount is about {$6500.00}. 

Attached is a copy of my Wise bank account and the transaction confirmation from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On XX/XX/2023 I purchased a American express gift card from my local XXXX XXXX. Everything was smooth as far as loading the card and purchasing it I didn't start having issues until I actually tried to use the gift card and it declined. The card was initially activated and loaded with about {$400.00}, the card itself just will not work I don't know if it's something I missed but American express customer service XXXX  were so horrible and I'm not even the XXXX  person XXXX have this problem this is a common problem with American express gift cards because while I was trying to find other solutions to actually use the money I seen over XXXX reviews all saying and having the same issues as me. I have all receipts that shows I paid and loaded the gift card. I even have the case number they gave me if needed ive waited the whole entire XXXX  days as well that a rep from American express named XXXX said was required to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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 XXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX  Account XXXX has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have been going through troubling times. I havent been able to receive any financial help through my credit due to false information reporting on my credit and inaccuracies within them. 

In accordance with The Fair Credit Reporting Act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The Numbered Account attached to this dispute violates my rights. 

XXXX XXXX XXXX XXXX Inaccurate accounts numbers listed : XXXX : XXXX Last Activity XX/XX/2022 TransUnion : XXXX Last Activity XX/XX/2022 In accordance to the Fair Credit Reporting Act any information that is inaccurate must be removed immediately. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in 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 non-monetary relief
Consumer complaint received 2024-01-08 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment 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 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under USC 1681. Section 602 states I have the right to privacy and Section 604a prohibits furnishing an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment as late for any purpose. Please immediately remove this inaccurate, unlawful late payment 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 2024-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I received an American Express gift card around XXXX and have since tried to use it online and in person at many different locations. No matter what I do, it is not accepted anywhere. I have tried to contact American Express, but I get stuck in a loop with a robot on the phone. The first place I spent it, XXXX, charged a different account of mine because the gift card suddenly declined. I cant get in contact with anyone, and from reports I've seen online, this is a common problem with the American Express gift cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
There is an inquiry for a credit card that i did not inquire about. I did notify XXXX about it. They said they'd notify chase bank and told me to file complaint with FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Person or persons opened a credit card with JPMCB fraudulently ( ID Theft ) using my name and Social Security Number on or about XXXX of XXXX. I first became aware of this in XXXX of XXXX when my credit was destroyed and my normal bank accounts were affected as my credit rating plunged. After review of various credit bureaus it was discovered that the person/persons involved in the ID Theft had opened several credit card accounts with XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  and JPMCB/Chase Bank using bogus addresses in Florida and possibly other states. I have NEVER lived in any other state other than Connecticut for 50+ years and even have a copy of the original building permit I took out to build my house. After months of calls, filing out a police compliant with my local XXXX Ct police dept., compliants to the Federal Trade Commission and a ID Theft affidavit form to the IRS, as well as proof of my true identity ( driver 's liscense, proof of address using recent bills from electricity and VA admin., copy of passport, etc. ) all banks, WITH THE EXCEPTION OF CHASE BANK, have acknowledged that I am indeed the victim of ID Theft and are not responsible for these cards. I did receive a XXXX XXXX letter from Chase absolving me which they NOW SAY THEY HAVE NO RECORD OF ( I still have letter )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I submitted a Dispute with XXXX XXXX XXXX. I advised them the month they are showing for XXXX late payment in my entire credit history is wrong ; that I was never late. I provided them with a copy of my credit card statement showing that I had a XXXX XXXX on my statement during the month in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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