vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I, XXXXXXXX XXXX  XXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
JPMCB CARD you have continually furnished a misleading, incorrect information to the credit reporting agencies, this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation JPMCB CARD you are reporting a PAID account with account number XXXX and {$0.00} ( XXXX ) balance as Collection/Charge-off. 

From the definition of a Charge off account ( XXXX XXXX XXXX Dictionary 10th Edition  ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX XXXX XXXX  Dictionary 10th Edition  ) a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes. You have profited from this by means of tax credit and you still report as charge-off. 

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me depressed. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit. 
Remove reporting of the charge-off account from all consumer reporting agencies. 
Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: August Real Estate Investments, LLC
State: TX

Complaint narrative:
My husband and I sold our home in XX/XX/2022, because we found out that we purchased our house with a wrap mortgage ( unbeknownst to us ). A few months later, August Real Estate Investments ( the servicing company ), reported to XXXX that we owed late payments that total {$3800.00} and the balance of the home of {$180000.00}. 

I have spoken with August REI staff, via telephone and email, and was told that the account was reported closed in XX/XX/2022, with a balance of {$0.00}. Because of this, I disputed the discrepancy on XXXXXXXX XXXX website. When I received the results of the dispute, the discrepancy remained on my credit report. Since then, I have disputed this inaccuracy four separate times. The results continue to state, " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY ''. 
Again I made contact with August REI and was told that they would dispute the matter and have it removed. That has not happened. My most recent results were returned on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted CFPB XXXX XXXX - Results due by XXXX XXXX. 

Ever since I submitted this case, Experian has been actively blocking me from accessing my records, making it an undue burden to view the results of 14 disputes results sets returned. 

In their first line defense, the email me that dispute results are ready, I follow the process to view said results, and they deny me access. They supply a form that I can mail or submit online with supporting documentation to establish my identity, but their second defense is blocking my ability to submit in this manner, despite submitting in a .pdf format and all less than 4mb, a far cry from their limit. 

They then tell me that I must mail a shorter mail form, with additional layers of documentation and that I can not call in, fax, or use the online method, thus rendering my timely review and response impossible since they never mail the results back or reply ( as they have not replied with 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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
Trans Union, XXXX, and XXXX keeps sending me letters informing me that they verified through XXXX XXXX that I have a public record of bankruptcy under XXXX XXXX with the XXXX Bankruptcy XXXX XXXX XXXX Minnesota. Theres currently no bankruptcy records listed on my XXXX XXXX Consumer Report. The Public Record of XXXX XXXX Bankruptcy thats currently listed on my Trans Union, XXXX, and XXXX credit report is not my public record. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/1974, 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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX all have violated my rights. 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 an account without my written instructions Equifax Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing XXXX XXXX Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past 3 years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! 
XXXX. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Hi, my name is XXXX XXXX. I have a capital one platinum card with this company and been with capital one for a year. I had filed XXXX disputes XXXX dated back in XXXX. I was given a credit for {$75.00} I stated the service was not done properly. The acrylic nails were falling off a week later. That dispute was reversed on XX/XX/XXXX. I also seen a charge for {$82.00} that I didn't authorize. Because I specifically told the company dish to not charge my card they stated they dont keep the card on file which they lied because i woke up to a email stating a charge for {$82.00} was charged which that was a few weeks after. So A few days ago i was given a credit and then I get a email stating the charge will be reversed as of XX/XX/XXXX and now this has brought my credit over the limit. I have filed this complaint against capital one because no customer should be responsible for unauthorized charges, and XXXX for not good quality work done by a merchant involving the nail salon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
My divorce decree states that my ex-wife took over the payments on a vehicle lease. 
She decided to stop paying the payments because she said she couldn't afford it and because the vehicle was originally registered in my name it's going on my credit report instead of hers. 
At the time of the divorce she had lost her job due to COVID so there was no way for her to refinance the vehicle into her name. 
XXXX XXXX wouldn't let her do it. 
So now XXXX has trashed my credit report. 
They won't do anything about it because they say it's a contract and it can't be broken. 
I guess a court document is irrelevant in this country now because they don't have any say over what corporations can do. 
And big corporations like XXXX can just do what they want to do. 
This is just such a common sense issue I'm not sure why it matters to XXXX who ultimately gets their credit report destroyed. It should be the person who is responsible which is my ex-wife not me. 
Ultimately we need to have legislation to force these companies to be accountable to the people rather than to themselves. The credit reporting bureau doesn't even explain it in my credit report so when someone reads it all it says is I've disputed it. 
And who even knows if someone that's reviewing my credit would even bother to review a note. 
The system is broken and needs to be overhauled

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: First Advantage LNS Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attn : CFBP I, XXXX XXXX XXXX XXXX, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : XXXX, XXXX XXXX XXXX, P.A Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name XXXX XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX Account XXXX : XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 4. 4 Account Name : NCAC Account Number : FILE # XXXX XXXX u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY

Complaint narrative:
I mobile deposit a company paycheck on XX/XX/22 and my bank placed it on extended hold for no reason it will clear its a paycheck from my job Im working at I been without money for 4 weeks and I need my money my phone bill is overdue now it shouldnt take 4 weeks to verify a paycheck they told me I would get it on XX/XX/22 at XXXX and now Im going to get it XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX have violated my rights. 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 an account without my written instructions Transunion Credit bureau stated my account was properly investigated and accurate but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. Are they not practicing Metro 2 Compliance? This is a clear FCRA violation and is grounds for deletion. 
They are not 100 % accurate, for the past XXXX years I have asked several times to provide the information below and they refuse. The law states they have 30 days to respond not years!!! Transunion has committed FCRA violations such as taking longer than 30 days to provide accurate response, Violated proper debt dispute procedures, Privacy violations, Withholding notices and Furnishing and Reporting inaccurate information. 
1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide XXXX  and credit insurance ; 3. Provide original signed contracts with me and XXXX XXXX ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in XXXX  ; 6. Provide documents that states this account was purchased or are you collecting on the original account holders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to " promptly DELETE all inaccurate information. ''

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 

JPMCB CARD you have continually furnished a misleading, incorrect information to the credit reporting agencies, this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation JPMCB CARD you are reporting a PAID account with account number XXXX and {$0.00} ( XXXX ) balance as Collection/Charge-off. 

From the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX  XXXX Edition ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. Furthermore from same Dictionary ( XXXX 'XXXX XXXX XXXX XXXX Edition ) a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes. 

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me depressed. 

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit. 
Remove reporting of the charge-off account from all consumer reporting agencies. 
Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again. 

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I, XXXXXXXX XXXX XXXXXXXX, consumer, and natural person, I am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). 
MACYS/ DSNB you have continually furnished a misleading, incorrect information to the credit reporting agencies this has violated my federally protected consumer rights to fair and accurate credit reporting under 15 U.S.Code 1681 ( a ) ( 1 ). 

Further to the above violation MACYS/ DSNB you are reporting a PAID account as Collection/Charge-off and from the definition of a Charge off account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Charge-off is To treat ( an account receivable ) as a loss or expense because payment is unlikely ; to treat as a bad debt. 
Furthermore from same Dictionary ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX a Bad Debt is an uncollectible, debt and that may be deductible for tax purposes.

This is a notice to CEASE and DESIST. This is misleading and it is affecting my ability to get approved for loan, Mortgage and Credit Card to better my life and family life. It has made me XXXX.

As the consumer and natural person, I am invoking specified remedy and make the following demands : Cease and desist furnishing/reporting to all consumer reporting agencies of the charge-off account that you have already profited from by using as Tax Credit.
Remove reporting of the charge-off account from all consumer reporting agencies.

Provide acknowledgment of this official notification. Do not report ANY information bearing my identification again.

Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA.

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 2022-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Klima, Peters & Daly, P.A.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attn : CFBP I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : KLIMA, PETERS & DALY, P.A Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX Account Number : XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agenc
y can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 4. 4 Account Name : XXXX Account Number :

FILE # XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation