vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
I want to share my recent experience applying for a United Airlines credit card through Chase Consumer. Last week, I applied for the card after seeing an offer on the UA website that claimed I was pre-approved for the card and it would save me {$300.00} on a ticket. I reluctantly applied as I did not need the card, but the {$300.00} credit would have been helpful for my daughter 's flight from XXXX, as my mother had passed away. 

Unfortunately, I did not receive an immediate answer after applying, so we had to purchase my daughter 's flight with another airline. Later, I received a letter from Chase stating that they suspected my information had been compromised and asked me to contact them if I had applied for a card. 

I was aware that my credit score would be affected by the application, but I would not have applied if it hadn't been for the pre-approval offer. Now, my credit score has dropped significantly, and the only communication I received was the above letter.

I reached out to Chase, and they mentioned that the approval process is usually instant but can sometimes take longer. They apologized for my situation but said they would make sure that my " voice was heard '' but that there was nothing they could do. 

I believe it's unfair for a credit card company to claim pre-approval and then not follow through with it. This has put me in a difficult situation, especially considering the loss of my mother and the financial burden of my daughter 's flight. I expressed my disappointment to Chase, but it seems like there is nothing more that can be done. 

I would like to say that the people who I worked with in customer support were very nice, and they tried to help as they could. But, when your hands are tied, there isn't much that you can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

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 explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Valon Technologies, Inc.
State: CA

Complaint narrative:
We bought our house in XX/XX/XXXX and had the loan with Caliber Home Loans. We made every payment and in the XXXX for XXXX it shows the mortgage insurance premiums paid. In XXXX we made ever payment with Caliber and then in XX/XX/XXXX the loan was bought by XXXX XXXX. We started making payments with them and in XXXX XXXX from both companies it shows the mortgage insurance premiums paid. 
Then in XX/XX/XXXX we received a letter from XXXX with an escrow analysis and payment update saying that our escrow account will fall below the minimum balance required between XXXX by {$1500.00}. So they were going to address this shortage by increasing each mortgage payment by {$120.00} over the next 12 months. 
This all seems wrong to us as per the payments we have made we have been paying the mortgage companies what they were charging us, which included the payments they needed to make for the PMI. So we shouldn't owe any money and our escrow account should not be having a negative balance that they are now asking us to pay double PMI per month to " try to pay back ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
My usually monthly lease amount that get deducted is XXXX. But on XXXX, they deducted XXXX without any explanation etc. its autopay. I want to know the reason and get refund of rest of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: AL

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 168b permissible purposes of consumer reports. 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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: PA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 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: PA

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I sent in a claim with the bank. And they denied me and said I have to deal with the merchant. The merchant is a fraudulent land lord. I was living with homeless people while in the one paying rent. Homeless people would wander the halls and find a corner to sleep in every night. Dont ever deal with 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 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

Your agency is in violation!

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 explanation
Consumer complaint received 2024-08-20 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: M&T BANK CORPORATION
State: VA

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.

M & T Bank, has violated my rights. 


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 2024-08-20 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: FL

Complaint narrative:
My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. 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. 


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 XXXX  days before the payment due date. 


Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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


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


Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
I XXXX  received a phone call that I could not take on my cell phone because I was at work. In the meantime they contacted my parents, not sure how they got the number because I have nothing that ties me to them for XXXX  years. My XXXX  call was on XX/XX/year> at XXXX XXXX  that I declined due to being at work. Then I get a message from my parents that this gentlemen called them asking how to get a hold of me. They said they would get in touch with me and I would call him back. I did during my lunch time at XXXX XXXX  on XX/XX/year>. Finding out he was trying to collect for a medical bill in the amount of {$910.00} said was in collections. I proceeded to ask about why and how he came about to call my parents. He advised he was trying to get in touch with me and he will use whatever means. I advised not to call my XXXX XXXX XXXX father again and he stated now that he talked to me he would not do that again. Today XX/XX/year>, I again could not answer my phone at XXXX XXXX  due to working, he immediately contact my parents again. I didn't even know at that time due to calling him back at my break at XXXX XXXX  on XX/XX/year> to advise of my record showing payment. He said how to update my records. I then get a message from my parents he called again. I called back to this gentleman at XXXX XXXX  advising I was going to log a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: 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 Sta
tes : 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 XXXX 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 explanation
Consumer complaint received 2024-08-20 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: Early Warning Services, LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX MD, XXXX XXXX XXXX XXXX Consumer IDXXXX XXXX XXXX XXXXXXXX Maryland Dispute of Inaccurate Information on Consumer Report Dear XXXX XXXX XXXX Maryland I am writing to dispute inaccurate information that I have found on my consumer report associated with my banking profile. Additionally, I want to inform you that I have been a victim of fraud and theft, which has contributed to these inaccuracies. I request that the following item ( s ) be investigated and corrected as soon as possible. 


Account Number XXXX Routing - XXXX Date of report XXXX The item in question reflects unauthorized transactions, incorrect account balances, accounts I did not open that do not accurately represent my financial history or actions. 


I believe these inaccuracies are a direct result of fraudulent activity and theft that I was a victim of. Specifically, on XXXX XX/XX/year> of the my account was accessed without my authorization, unauthorized charges were made to my account, an account was opened in my name without my consent these fraudulent actions have led to errors on my consumer report that need to be corrected immediately. 


This explanation helps clarify why the disputed information is inaccurate and links it directly to the fraud and theft you experienced. 

I kindly request that you investigate this matter urgently and update my consumer report to reflect the accurate information. Please confirm in writing that the correction has been made, and send me an updated copy of my report. 

Given the seriousness of this situation, I would appreciate a prompt quick response and resolution to this issue. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights. 15 USC 1681 Section602 states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency ( XXXX ) can not furnish an account without my written instruction of permission. 15 USC 1666B. Also as a consumer per 15 US code 1681n : Civil liability for willful noncompliance. In case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose actual damages sustained by consumer as a result of the failure or {$1000.00} whichever is greater. I have XXXX companies who have violated my rights that XXXX has reported on my credit report. XXXX hard inquiry by XXXX XXXX XXXXXXXX XXXX  XX/XX/XXXX i did not consent nor authorize XXXX or this company to run my credit or use my social security number. I would like to be reimbursed {$1000.00} per violation. XXXX and the corresponding accounts reported are also in violation of 15 US Code 1681c-2 Block of information resulting from identity theft. These accounts are all related to identity theft i have provided the necessary documentation under this law and the accounts still remain on my report. 
These are the fraud accounts below and I also have attached my Identity Theft Report that list these accounts, addresses and Inquiries as well. 

Fraud Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Fraud Account : XXXX XXXX XXXX Transunion is reporting {$31000.00} and an open date of XXXX, XXXX is reporting {$31000.00} and an open date of XX/XX/XXXX XXXX is reporting {$32000.00} and and open date of XX/XX/XXXX this is an error on XXXX for inaccurate reporting please delete this account from each credit bureau XXXX Transunion is also not reporting any late payments XXXX say there is only XXXX late XXXX  day late payments for XXXX and XXXX is stating there is XXXX XXXX  day late payments XXXX XXXX XXXX Transunion is reporting a balance of {$390.00}, and an open date of XX/XX/XXXX. XXXX has a reporting balance of {$390.00} and an open date of XX/XX/XXXX XXXX is reporting a balance of {$390.00} and open date of XX/XX/XXXX Please delete and block these accounts with reporting errors and late payments asap, as well as pay me for the inaccurate reporting on my credit report which is a breach in my privacy delete or pay me {$1000.00} from each credit bureau

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 2024-08-20 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have identified several inaccuracies on my credit report and subsequently reached out to the credit reporting agencies to address these issues. however, the credit reporting agencies have not adhered to Federal Trade Commission regulations and have failed to correct These discrepancies, this noncompliance represent a clear infringements on my consumer rights

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