vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I had a Chase account that was closed and charged off almost XXXX years ago. XXXX accidentally sent a check to this account and the bank applied it to the charged off amount, after initially telling me that they were going to refuse the check and refund it back. They are now refusing to send the check back and claims they applied it to the charged off account. This is wrong and completely unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: CO

Complaint narrative:
They have been calling me for months. I explained that XXXX XXXX and my provider assured me that there would be no cost to me. They said they would mail me documents explaining what I owed and why, but never did. They still call. 

I did some research and discovered that medical debt under {$500.00} is not able to be reported on my credit. I offered to pay my account down to {$490.00} if they would leave me alone. They said they would not lower the debt by XXXX dollar, and that {$490.00} would still show on my credit. 

I just want to resolved this so it doesn't ruin my credit, but I don't want to give these extortionists $ XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I just looked at my consumer credit report from Equifax XXXXXXXX XXXX XXXX. I saw a hard inquiry on my credit report that did not have permissible purpose. I also attached the evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] : Delete this hard inquiry because it doesnt have permissible purpose according to 15 USC 1681 B Once you have deleted the hard inquiry from my credit report, please send me a copy of my updated report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I don't recognize these inquiries and have no connection with the creditors listed.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information.

Additionally, I ask that the results of this reinvestigation be provided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request your assistance in resolving a dispute concerning inaccurate information on my credit report. Despite my efforts to resolve this issue directly with the credit reporting agencies, I believe the inaccuracies have not been fully addressed according to the standards set forth by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C.

1681i.

I am requesting that the CFPB oversee a procedural investigation into this matter to ensure compliance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires the credit reporting agencies to conduct a reasonable reinvestigation of the disputed information.

Additionally, I ask that the results of this reinvestigation be provided to me within 5 business days of its completion, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ). If the investigation finds the disputed information to be inaccurate, incomplete, or unverifiable, I expect it to be deleted from my credit report as per 15 U.S.C. 1681i ( a ) ( 5 ).

I appreciate your attention to this matter and look forward to your guidance in ensuring that my rights under the FCRA are upheld.

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 2024-09-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
This company has been removed and blocked by XXXX many years ago. Now at least XXXX or 2 times a year the debt collection company keeps reselling the account with different account numbers. i was told yesterday but the Identity Theft Fraud department at XXXX to list the original collector. See below. 

Creditor XXXX XXXX XXXX XXXX XXXXXXXX Amount : {$740.00} Unverified Account Original Creditor XXXX XXXX XXXX XXXX Amount : {$740.00} Unverified Account I have mailed all supporting docs to Experian..

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 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I had a checking account with Chase bank for very long time. Without any given reason, Chase closed my checking account and refuses to return back to me my account balance in the amount of {$900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Yes I have an unauthorized payment for XXXX. They said something about my device.. I dont know but Ive tried different ways to resolve this and they still arent helping.. they didnt accept the police report from me.. they wanted to talk to law enforcement directly

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
In XXXX I made 2 payments on my RV Loan each for {$530.00}. After I made the second payment in error, I contacted M & T to reverse the 2nd payment and have it sent back to me via check. A couple of weeks went by and I never received the check. I called back and was told that it was still on its way and to call back the following week. The second week of XXXX I contacted M & T again as I still had not received the check. They stated oh it must be lost and we can send the funds back to my bank via ACH. I provided them all of the necessary information. About a week later I still had not received my funds so they said they would submit the request again. Finally on XX/XX/19 I received a credit of {$530.00} back into my checking account. At that point I assumed that everything was all set. Approximately the first week of XXXX i received a call from M & T collections alerting me that my XXXX payment was past due. I said how is that possible as M & T has an autosweep set up to take the payment out of my checking account which i confirmed that the funds were taken from my checking account and applied to the XXXX payment. They explained that the XXXX payment was reversed. I asked why the XXXX payment was reversed and they said it was was to provide the credit back to me. I said the XXXX payment should have NEVER been reversed as the credit should have been made from the payment dated XXXX. After dozens of phone calls trying to explain my situation to each person that answered the phone, I was able to get the XXXX payment credited as expected. Given the issues I wanted to make sure the XXXX payment was made correctly which as of XX/XX/XXXX, I saw that the payment was satisfied and assumed the loan was back to where it should be. The first week of XXXX I received a call from M & T collections stating that i was 32 days past due. I went into my online banking and saw that they reversed my XXXX payment AGAIN. I was confused as 2 payments were made in XXXX one was reversed and the other was made to satisfy my XXXX payment. As this point M & T still owes me one payment of {$530.00} and they reversed additional payments that should have never been reversed. At this point M & T still has {$530.00} of my funds that they should be using to credit my loan payment to bring my payment up to date.

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 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reported this multiple times and only one reporting credit company responded and corrected the information. I insist that you conduct a comprehensive and diligent investigation into all the negative data on my credit report, ensuring the accuracy and integrity of the information being reported. -removal of the XXXXXXXX XXXX XXXX XXXX  mortgage account ( XXXX ) from my credit report. This account has been paid and closed since XX/XX/year>. The presence of this account on my report is inaccurate and misleading. I kindly ask for its prompt removal to reflect the correct status and prevent any further negative impact on my creditworthiness. This presence violates my rights under the Fair Credit Reporting Act ( FCRA ). I possess evidence demonstrating that the debt has been paid, and it should not be reported on my credit file. I demand that XXXX promptly investigate this matter and remove the inaccurate information. Failure to comply may result in legal action to protect my rights and seek appropriate remedies for the damage caused to my credit report and financial opportunities. I remind you of your legal obligations under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to maintain accurate and reliable consumer credit information. As such, I demand that you provide a written response within the aforementioned thirty ( 30 ) day period, detailing the actions taken to investigate and rectify these errors. This response should confirm the removal of any unsubstantiated negative data and furnish me with an updated and accurate copy of my credit report, reflecting the corrected information, as mandated by 15 U.S.C. 1681i ( a ) ( 2 ). Failure to comply with this demand will leave me with no choice but to exercise my rights under the FCRA. I will take the following actions : File formal complaints against each credit bureau with the appropriate regulatory authorities for non-compliance with the FCRA and failure to investigate and rectify the reported inaccuracies. Seek injunctive relief to halt any further reporting or dissemination of the disputed negative data. I anticipate your immediate attention to this dispute and a thorough investigation that upholds the rights and protections afforded to consumers under the FCRA. Any further delay, negligence, or failure to act in accordance with the law will be construed as a deliberate violation of my rights, and I will not hesitate to pursue legal remedies without further notice.

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 2024-09-05 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: AL

Complaint narrative:
The late payments listed are inconsistent with my usual payment pattern.

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 2024-09-05 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: CA

Complaint narrative:
It's been months that I'm trying to fix errors that are being reported on my credit report because my creditworthiness is highly important to me, and the errors in my credit report have had detrimental effects on both my financial prospects and my emotional well-being but my requests and complaints kept getting ignored or disregarded which furthers the negative impact on both my life and my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IN

Complaint narrative:
Subject : Urgent Dispute Complaint Regarding Unauthorized Transfer of {$120.00} Dear PayPal Resolution Team, I am writing to formally dispute an unauthorized transaction of {$120.00} that was transferred from my account to one of XXXX XXXX XXXX 's accounts, which was unexpectedly closed. As a result, the funds were never received, and I believe they may have been stolen.

This situation has created a financial burden for me, and I kindly request your immediate attention to this matter. Given that the transfer was made without my consent, I ask that you credit my account for the full amount of {$120.00}. 

I appreciate your understanding and cooperation in resolving this issue swiftly. Thank you for your prompt response. 

Sincerely, Your Name : XXXX XXXX XXXX Your PayPal Account Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-05 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: MO

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-05 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am writing to formally dispute the unauthorized access and furnishing of my credit information. According to the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, I did not provide any written consent authorizing the release of my personal credit information to any third party, nor did I authorize your organization to obtain such information.

Given this lack of consent, I request that you immediately investigate this matter, remove any unauthorized inquiries from my credit report, and take the necessary steps to ensure that such unauthorized actions do not occur in the future.

Please provide me with a response detailing the outcome of your investigation within the 30-day period as required by law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation