vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
My husband was contacted by a company from a remote job. They sent him a contract and electronic check for {$5900.00} to be deposited in my Chase account on XX/XX/XXXX. On XX/XX/XXXX, the check showed cleared and they requested we wire it to their IT center in XXXX, XXXX to get things going asap. I completed the wire for {$5900.00} with the information given to me. They said the amount did not have to include the {$25.00} wire fee. About an hour later we started researching the company and discovered the people we spoke to did not exist in their company and that it was a scam. I immediately called Chase and told my story multiple times since I was transferred blindly. I was trying to get them to stop the transfer. Finally the filed a recall on the transfer and gave me a claim number. The next day the check that I deposited came back as fictitious and put my account in the negative I received an email this morning from Chase that did not make sense so I called the number in the email. The XXXX XXXX XXXX told me that Chase asked XXXX XXXX for the money back due to fraud and XXXX XXXX asked the customer for the money back and they said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2024-03-26 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. Account Name : XXXX XXXX account number : XXXX you have this account as closed with a balance of {$77.00}. but XXXX XXXX this account is fully paid-off and balance on it should be {$00.00}

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 2024-03-26 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:
In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting I have an account that is not correctly reported. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you have this account as closed with a balance of XXXX. but $ $ this account is fully paid-off and balance on it should be {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am writing this request to Experian so that they will cease sharing information regarding a specific account pursuant to my rights under 15 U.S.C. 6802 of the Fair Credit Reporting Act. I understand that under this provision, I have the right to opt out of the sharing of my information with certain affiliates or third parties for marketing purposes. 

Please find the details of the account I wish to opt out of sharing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I hereby request that Experian cease sharing any information related to the aforementioned account with any affiliates or third parties for marketing purposes. This includes, but is not limited to, the sharing of account details, transaction history, and any other associated information. 

Please process this request promptly and confirm in writing that the opt-out has been successfully implemented. I understand that this opt-out request will remain in effect until I notify you otherwise.

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 2024-03-26 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: MI

Complaint narrative:
According to FCRA 605B, we're required to expunge any erroneous accounts from my credit report. Could you please examine the documents? Some of the listed accounts are inaccurately reported.

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 2024-03-26 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: MI

Complaint narrative:
looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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. 
These accounts are not accurate XXXX XXXX XXXXankruptcy : Reference Number 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 2024-03-26 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: Nelnet, Inc.
State: FL

Complaint narrative:
An accordance with the fair credit reporting act the this account below Has violated my federally protected consumer rights to privacy and confidentially under under USC 1681 section 602 a. Account name department of education XXXX has violated my rights 15 USC 1681 section 602 a States I have the rights to privacy 15 USC section 609 a section 2 Also states a consumer reporting agency can not furnish a account With out my written instruction. 15 USC 168c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information other then records of conviction of crimes which antedates the report by more than seven years. 15 USC 1681 s-2 ( a ) ( 1 ) a A person shall not furnish any information relating to consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
In XXXX XXXX XXXX, I called the mortgage company and requested that they cancel the PMI from my mortgage loan. I was told to send them an email message which they provided to me their email to send it to and put the loan number in the subject line and type in the email that I request to have my PMI removed from my loan and include the loan number, too. They said to me that it was 'all ' that I needed to do. So, I composed the email and submitted it to them. I was told that it will take up to 5 business days for a response. I received a letter from them dated XX/XX/XXXX which says, " Your loan had an original principal balance ( excluding finance UFMIP ) with a loan-to-value ( 'LTV '' ) ratio of less than or equal to 90 % and the monthly MIP must be paid for the first 11 years of the mortgage term, or the end of the mortgage term, whichever occurs first. According to the law, it says I have the right to ask my mortgage servicer to cancel PMI on the date the principal balance of my mortgage is scheduled to fall to 80 % of the original value of my home. Also, it says that my mortgage servicer is " legally required '' to grant my request to cancel my PMI as long as I meet certain requirements which I do. Right now, I am at 65 % of the original value of my home. It was under 80 % when I put in the request last XXXX. I put in a new request on yesterday, XXXX XXXX XXXX  in hope that they would remove it. Also, we bought our home on XX/XX/XXXX. On the letter, it notates XX/XX/XXXXXXXX XXXX XXXX That is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2024-03-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have been represented by non profit organization and Equifax cant verify the company

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX || Date of inquiry : XXXX XXXX XXXX || Date of inquiry : XX/XX/year>XXXX XXXX XXXX|| Date of inquiry : XX/XX/year>

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 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
On XX/XX/year>, in response to numerous phone calls, Midland Credit Management ( aka MCM ) was provided a Cease & Desist notice by me. 
On XX/XX/year>, MCM violated the Cease & Desist order by calling my phone at XXXX XXXX  from XXXX XXXX XXXX. This number was verified as that of Midland Credit Management.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : 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 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: DC

Complaint narrative:
On I Was Denied Access To My Consumer Credit. In Accordance To The Equal Credit Opportunity Act this Is considered Discrimination. I will be Attaching supporting documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: InDebted Corporation
State: CA

Complaint narrative:
i rented a bike that the robber stole it and i reported to the police in XXXX XXXX. I did but there not going to anything but they blame me that i stole it. In LA its legally to steal less {$890.00} the officials wont do anything but bike company wants to charge me money like i stole it even camera evidence, i feel my threated. What can i do just not have a message of this company ever again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 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: GA

Complaint narrative:
Hi, On XXXX XXXX XXXX  pulled my credit without my consent. 

They marketed preapproval to see if I could get a Heloc loan service and stated the inquiry would be a soft pull to see if I would be qualitied. To my surprised this is reporting on my credit. I never continue with the program because of the rate and the cost amount requirement. I never authorized for my credit to be pulled, they told me just soft pull for qualification. I never did the program service with them. This incorrect reporting is sitting on my credit and hurting my credit for other financial service for me and my family. 

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 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 2024-03-26 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: MI

Complaint narrative:
I looked at my report back on XXXX XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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.

These accounts are not XXXX  XXXX  account ' acct # XXXX XXXX XXXX XXXX acct # 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 2024-03-26 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: EQUIFAX, INC.
State: MO

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi credit card company is the worst! When i first applied for the card back in 2021 my credit was good. I just closed on my home. They gave me XXXX to open the account. They requested to see my income documents to open the account. After about XXXX  days they open the account with a measly {$500.00} limit. I kept the card i proceeded to never miss a payment. A few weeks ago I paid the card off in full. They email me today saying they reviewed my credit and decided to lower the credit limit!! Lower than the original {$500.00}. In these hard times XXXX can someone do with a {$300.00} limit! I canceled the card! This is an outrage!

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