vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
My American Express card went to collections due to a divorce. It was charged off in XXXX of XXXX. On my credit report, American Express is reporting that it was charged off in XXXX of XXXX. This date is incorrect. XXXX of XXXX is when the account was paid off in a settlement, not charged off. I have called them multiple times, tried chatting with them online, spoke to multiple departments and filed a dispute through XXXX. They are not updating to the correct information. In addition, after my dispute they also added a charge off for the month of XXXX of XXXX on my credit report when the account previously had " no data ''. 

To be clear, the charge off occurred in XXXX of XXXX. The account was paid in a settlement in XXXX of XXXX. 

American Express will not provide me a letter confirming the date that my charge off was in XXXX of XXXX. When I talk to them every single person I spoke with confirmed the charge off date was XXXX of XXXX but it is still reported as XX/XX/XXXX on my credit report. I have said it backwards and forwards to their people but they don't listen, talk over me and are not fixing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/XXXX I received a letter from JPMorgan Chase Bank ( Chase ) that it decided to close my checking account. I immediately contacted Chase for an explanation. I was told it is their right to close accounts without explanation. I immediately contacted the Social Security Administration ( SSA ) to change my retirement benefit direct deposit from Chase to a different bank however that will not go into effect until XX/XX/XXXX, however since I notified the SSA prior to XXXX I was hoping the transfer would go into XX/XX/XXXX. XX/XX/XXXX I contacted the XXXX to track the funds since it did not appear in the new account as I had hoped. XX/XX/XXXX I contacted Chase to ask if it received the funds, I was told no funds were received nor pending. XX/XX/XXXX I recontacted XXXX who traced the payment and confirmed the funds were sent to and received by Chase on XX/XX/XXXX. XX/XX/XXXX XXXX recontacted Chase to be told no however after I stated XXXX traced the payment Chase miraculously located the transaction. XX/XX/XXXX I met with a Chase branch XXXX who contacted corporate at which time we were told a check was mailed to my address on XX/XX/XXXX. XX/XX/XXXX I followed up w/Chase via telephone, explained the situation, to be told the funds were " released '' and I should go to the branch to pick up a cashier 's check. I drove to the branch to be told : ( 1 ) the funds were returned to the SSA, ( 2 ) the person I met with on XX/XX/XXXX happened to be present so he took over, ( 3 ) that person contacted corporate to be told a check was mailed to my address on XX/XX/XXXX and would take XXXX to XXXX business days for receipt. I need my money now. The bank has the funds- they should immediately release the funds. I have been patiently waiting from my money that is very much needed to pay bills that are currently due. 

Chase provided false and misleading information about not only receipt of the funds, but status of the funds. I was told ( 1 ) funds weren't received, ( 2 ) then told the funds were received, ( 3 ) a check was mailed XX/XX/XXXX, ( XXXX ) then told I could go to the branch to pick up a cashier 's check, and after wasting my time and gasoline, ( XXXX ) told I could not get a cashier 's check from a closed account and that the check was mailed XX/XX/XXXX. Which is it? I now question whether the check was actually mailed on XX/XX/XXXX. I now believe Chase will wait out the XXXX - XXXX business days to actually release my funds to which it is not entitled.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I wrote XXXX checks to pay for personal income tax. One to U.S. Treasury and one to XXXX XXXX XXXX. I mailed both checks to the respective institutions. Apparently, between the time the envelopes left my possession, they were stolen by someone and cashed at Chase Bank, the institution that I bank with. I received notice from the IRS that I still owed money in XXXX XXXX. The XXXX checks in question were written and cashed by Chase in XXXX XXXX. I filed a claim with Chase due to the fraudulent cashing of these XXXX checks. Chase has denied my claim because I did not report the claim within their policy of 60 days to report a claim from the date the check was written even though it was XXXX of their employees who cashed the government checks. Moreover, it is Chase policy to not cash checks written to businesses or non personal checks. This is being overlooked by Chase in my attempt to recover the stolen money from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
My name address and personal information is not correct at all. I have also been notified that my credit report has been accessed by illinois dept of unemployment security and someone has filed unemployment under my social since during covid. Last payment was paid out in 2019. I have not filed unemployment in the state of Illinois at any time at all.

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 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-20 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: TX

Complaint narrative:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-20 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2023-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Mercury Technologies, Inc.
State: DE

Complaint narrative:
On XX/XX/XXXX, Mercury notified me of a request for additional water-related documents, due to the large number of contents we replied to the email hoping to buy some time, but then received an email from Mercury about the closure of the account, and almost every day since then we have been asking about the situation by email : what caused the closure of the account? Is it possible to restore the account? If it is not possible to restore the account, is it possible to communicate about the return of the money ( about XXXX )? Unfortunately, we have not received a single reply. Due to the fact that our company is in its infancy and out of trust in Mercury, we have almost all of our funds in the account, which is very important to us, and our business is now at a standstill. It is very urgent to communicate with Mercury at the earliest possible time regarding the return of the funds, the above is my situation, thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XXXX XXXX CREDIT CARD ON XX/XX/XXXXXXXX  AND SYCHRONY BANK on XX/XX/XXXXXXXX furnished an inaccurate and fraudulent report to all consumer reporting agencies and in doing so violated my consumer rights pursuant to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

SYNCHRONY BANK and XXXX XXXX CREDIT CARD 'S inaccurate and fraudulent reporting of this account has caused severe damage to my character, reputation, my general mode of living and my ability to obtain credit for personal and household purposes. Their inaccurate reporting damaged my livelihood. 
As defined by the IRS for cancellation of debt : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return a form which they failed to send me. 
The 1099-C form reports a cancellation of debt ; creditors are required to issue Form 1099-C if they cancel a debt of {$600.00} or more. Form 1099-C must be issued when an identifiable event in connection with a cancellation of debt occurs. 
According to XXXX, the CFPB says that income is not part of a credit report. Creditors may include employment information, such as the name and address of an employer, on a credit report. Creditors may also consider income that a stay-at-home applicant shares with a spouse or partner when evaluating an applicant for a new account or increased credit limit. 
Since these debts were clearly charge off accounts it means that there cancelled debts which is GROSS INCOME which can not be reported on my consumer reports

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 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to dispute the following information that appears on my TransUnion consumer report : Dispute XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type of disputed information : Auto Loan Dates associated with item being disputed : XXXX XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  Source of dispute information XXXX XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed : XXXX XXXX XXXX  Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX Source of dispute information : XXXX XXXX XXXX Type of disputed information : Collection Dates associated with item being disputed XXXX XXXX XXXX XXXX Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 

INQUIRIES : Inquiry Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my report with the accounts in question circled. 

Thank you for your assistance. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have made multiple attempts to have capital one stop furnishing accounts that they closed due to reporting a credit billing error. Its illegal to close my accounts and continue to collect payments while in a billing error status! I feel like im being extorted! I have been charged late fees and have continued to be billed! Violations of 15 USC 1666 ( b ) ( 2 ), 15 USC 1666 ( e ), 15 USC 1666a, and 15 USC 1666 ( b ) ( a )!. Also violations of federal regulations 12 CFR 1026.13 ( d ) ( 2 ), 1026.13 ( d ) ( 3 )! The CFPB continues to close my accoutns with no resolution in favor of me the consumer! These are the laws and the federal regulations that have been ignored! I have attached each prior complaints and the responses from capital one disregarding the LAW! I WANT THESE ACCOUNTS TO DISCONTINUE BEING FURNISHED ON MY CONSUMER REPORT! CAPITAL ONE DID NOT FOLLOW THE STATUTES OR REGULATIONS PROVIDED BY THE FEDERAL GOVERNMENT! ITS RIDICULOUS! CAPITAL ONE CAN NOT RESTRICT OR CLOSE MY ACCOUNTS WHEN A CONSUMER REPORTS A BILLING ERROR, THEY DID. THEY CAN NOT CONTINUE TO COLLECT PAYMENTS, THEY DID! THEY CAN NOT CONTINUE FURNISHING THESE ACCOUNTS TO THE CREDIT REPORTING AGENCIES DURING A BILLING ERROR DISPUTE, THEY DID! SOMEONE PLEASE EXPLAIN WHY CAPITAL ONE DOES NOT HAVE TO ABIDE BY THESE EXACT LAWS AND REGULATIONS! I EXTENDED MY CREDIT AND HAVE BEEN UNABLE TO BENEFIT FROM IT! I HAVE ATTACHED AN INTENT TO SUE LETTER WITH ALL EVIDENCE OF CAPITAL ONE BEING WILLFUL AND KNOWINGLY FURNISHING THESE ACCOUNTS WHILE DISREGARDING THE LAW! THEY REFUSE TO SAY EXACTLY WHAT " BEHAVIOR '' WOULD SUPERSEDE FEDERAL REGULATIONS ALLOWING CAPITAL ONE, BY LAW, TO CLOSE MY ACCOUNTS AND CONTINUE TO COLLECT PAYMENTS, AND FURNISH THE ACCOUNTS ON MY CREDIT REPORT! AND RESTRICT ACCESS TO MY RIGHT TO MY OWN CREDIT!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: IL

Complaint narrative:
Applied for SAVE program through XXXX and submitted all information in XXXX, couldn't reach customer service until I filed my first CFPB complain which I was told they would respond to my initial inquiry about SAVE no later than XXXX business days. It is not over XXXX business days and I still have not been placed on SAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I, XXXX XXXX XXXX, are verifying that I, XXXX XXXX XXXX is mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : 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. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed

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 2023-12-20 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: NJ

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ).

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion. 

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 
I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
I currently have a store credit card with Military Star AAFES with a limit of {$2500.00}. My last balance of XXXX was paid in full by my bank with my authorization on XX/XX/2023 this was after paying XXXX on XX/XX/2023. On XX/XX/2023, I noticed that I over paid XXXX and I immediately contacted customer service. They informed me that a check for XXXX would be mailed to me on XX/XX/2023 and I would receive it no later than XXXX week from that date. XXXX  is the XXXX and I have yet to receive this check for XXXX. I again called customer service on the XXXX to try to get the matter resolved and they are now telling me to email military star to ask when my check will be sent out. Customer service should have handled this problem and I am now getting the runaround.

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