vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
I have been trying to close this account for several weeks now due to issues not being able to access my online account. I have tried requesting this via phone, via fax, and even via written letter to M & Ts XXXX office. They keep insisting they can not close my account and that i need to do it in the branch. The branch i call has no appointments and I get rudely hung up on. I need this account closed so I can move on to a bank that lets me log i to my account

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 2024-02-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: IA

Complaint narrative:
I had a credit card with a company called XXXX. 
Back in I believe XXXX, I received notice from XXXX that their business was closing, all cards would be unusable and to continue to make payments via their app. It was not long after that I was unable to access my account to even be able to pay. I was unsure what to do from there and assumed that someone had purchased all of XXXX 's credit accounts and we would be notified who I needed to continue payments with. Around the same time, we purchased a house in XXXX. I had changed our address and figured I would get some form of communication. I received no letters regarding who now owned the debt until yesterday XX/XX/XXXX. I was served a Notice and petition for judgement filed by XXXX XXXXXXXX XXXX XXXX  in behalf of Absolute Resolutions Investments LLC. ( The current owner of the debt ). I contacted XXXX XXXX to explain the situation, ask to set up payments and to stop the judgement. They we unpleasant to talk to and agreed to set up payments of {$120.00} a month and they advised would submit a temporary stop on judgment under the terms that no payments were missed. I asked the Attorney to please let me know what the total I would have to pay back would be and he said that there will be the balance plus court fees which he advised would be at least {$95.00} as well as service fees in which he would not tell me the total of. I was forced into a payment plan of which I have no idea the total amount they will be taking from me. That is one major issue I find. The other larger issue I see is that the Attorney told me that in order to stop the judgement, I have to sign an agreement for the payment plan and send it back to them. He advised the letter will take XXXX weeks to get to me and i have to mail it back. The issue is that I only have 20 days before I forfeit the judgement. I asked the attorney if they will stop the judgement before considering i authorized the payment and payment plan and he told me he couldn't give me legal advised. What I'm gathering is that they are attempting to force a judgement on me by delaying paperwork even thought this whole issue was not my fault and even though I am actively attempting to resolve it. I am at a loss of what to do and can not afford an attorney to help me with this. It is in my eyes extremely predatory and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/24 I received a copy of my consumer reports and theres incorrect and inaccurate reportings on my consumer files. I have been going back and forth with these agencies to validate and verify the information for all my missed and late payments which are not accurate as I have NEVER been late nor have i given these agencies permissible purpose to report these negative reportings on my reports. I am a federally protected consumer and I am promised accuracy and correct information to be reported on my consumer reports. These agencies are violating federal law and under 15 usc 1681, all information must be verified and validated. as you can see they can not verify or validate the information so it must be removed. All Missed payments, all late payments, all closed accounts which have never been closed nor have i the consumer given my written consent to close the accounts that have a long history of reporting as I am in need of the length to make my reports accurate. These are all violations and I demand that they correct and update my consumer reports promptly. I am being damaged and this is a violation that is also a fee of XXXX per inaccurate reporting. Please have them promptly upadte my reports as I have a right and promise for all accurate information. I demand that these inaccurate reportings be corrected today! 
I am not getting the credit usage i need and I am promised accuracy of all my consumer reports. under 15 usc 1681. have these agencies update and give me what i am promised by federal law. Equifax, XXXX, and XXXX must get these reportings updated today and send me the updated reports immediately to see the changes and updates as i am promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Last XXXX, Chase closed my account for no reason. It was opened in XXXX since I found a new job. I used this card mostly for direct deposit of my salary. Now, it has been 5 months since they closed my account and I lost all balance in it and lost support of money. I'm such a poor student and I just want t o get my money back but chase always give some perfunctory responses and did not give my money back. They have held my money for half a year. The amount is small, only {$3000.00}, but it is my support of life. Hope you can help me to get my money back. Chase is so unreasonable!! Don't trust them!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: TX

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 2024-02-14 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: CA

Complaint narrative:
I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the XXXX credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. XXXX is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since XXXX, Equifax and XXXX credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting my credit score. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of 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 would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX XXXX, Equifax XXXX. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The late payment you have reported to the three credit bureaus. 

My basis for this dispute is that this account was always paid in a timely manner, since I opened the account on XX/XX/XXXX I had auto pay for all payments to be processed in a timely manner. Experian is showing my credit report as late payment. However, XXXX XXXX is reporting that I have paid all payments on time. Since XXXX, XXXX and Experian credit bureaus is stating on one of the screenshots I provided below as a past due payment I would like to see proof of accurate results on behalf on both sides of credit bureaus that show same results. unfortunately, it is impacting my credit score. XXXX account # XXXX date opened XX/XX/XXXX and is marked as late payment for XXXX of XXXX. 

According to 15 U.S. Code 1666b - Timing of 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 would appreciate if you send me documentation that you will remove all derogatory information from this account, that is all I will require. 

Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of both statements of XXXX XXXX XXXX, XXXX Experian. As well as any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30-day timeframe. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Request to Validate Medical Debt XX/XX/2024 From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : Whom it may concern XXXX XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX, Connecticut XXXX Attention : To Whom it may Concern, Balance : XXXX, Client :. Account : XXXX I received a bill from you and as allowed under the fair debt Collection Practices Act ( FDCPA ), I'm requesting that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX XXXX XXXX but I am unaware of the amount due and your bill does not include the breakdown of any fees. 

Additionally, Im allowed under the Health Insurance portability and Accountability Act ( HIPAA ) to protect my privacy and medical record from third parties. I do not recall giving permission to any medical facilityfor them to release my medical information to a third party. I am aware that ( HIPAA ) does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request is twofold - validation of debt and ( HIPAA ) authorization. 

Please provide a breakdown of fees including any collection costs and medical charges. 

Provide a copy of my signature with the provider of service to release my medical information to you. 

Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the ( FDCFA ). Please note that withholding the information you received from any medical provider in an attempt to be ( HIPAA ) complaint can be a violation of the ( FDCPA ) because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail, if to whom it may concern is not able to provide to me all the adequate information in 30 days then Im requesting that this debt needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
I file this complaint to request that certain remarks be removed from the comment section of my XXXX Capital One accounts on my XXXX credit report. I have attached my XXXX credit report, which is dated today, XX/XX/year>. On page XXXX of the credit report, the comments section states [ a ] ccount previously in dispute - investigation complete, reported by data furnisher. On page XXXX of the report, the comments section states [ a ] ccount closed at consumer 's request and dispute investigation completed, consumer disagrees. I would like to request that both of these comments be removed. My ID is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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: CA

Complaint narrative:
It has been some time now that I have been trying to solve these many problems with the bureaus/agencies/creditors/debt collectors. At this point it is necessary for me to move forward with legal action and demand that the agencies remove the items that I have listed. I am leveraging my rights under Federal Law to make sure that these agencies are held accountable for their actions and right these wrongs

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 2024-02-14 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: NY

Complaint narrative:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 


Accounts : US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 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:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account Number:XXXX XXXX XXXX - Account XXXXXXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account NumberXXXX XXXX XXXX XXXX - Account NumberXXXX XXXX XXXX - Account NumberXXXXXXXX XXXX XXXX XXXX XXXX  - Account Number:XXXX XXXXXXXX XXXX XXXX  XXXX Account NumberXXXX XXXX XXXXXXXX XXXX XXXX  - Account NumberXXXX DEPT OF ED/XXXX - Account NumberXXXXXXXX XXXX - Account Number:XXXX XXXX XXXX XXXX Account NumberXXXX XXXX XXXX XXXX - Account NumberXXXX

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 2024-02-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: VALLEY NATIONAL BANCORP
State: CA

Complaint narrative:
Opened online savings account funded from my main bank. Attempted to transfer funds to my bank on XX/XX/24. A hold was placed and my funds refused. They have now locked my account and wont XXXX or transfer {$600.00}

Company response to consumer: Closed with explanation