vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2023, and XX/XX/2023, I sent TransUnion dispute letters requesting that they fix the errors or delete them off my consumer report. After going over all my consumer reports I realized that there were many incorrect items that needed to be corrected. The reports don't say the same thing and according to the FCRA all reports are supposed to be 100 percent accurate. I showed TransUnion the errors that all of the reports showed for the date accounts opened, Date of last activity, closed dates, account numbers, these are just a few of the mistakes. TransUnion just sent me a report and didn't correct anything with the accounts only responding with the accounts were verified. So, in XXXX XXXX, I sent a letter asking them according to the law 15 U.S.C 1681 ( i ) ( 7 ) how did they verify those accounts and according to the law they only have 15 days to respond. However, since the holidays happened during the time, I sent the letter I gave them 61 days with still NO response from TransUnion. I expressed to TransUnion how hard this is on me. I live in a XXXX  with my children and finding a job is impossible, because according to XXXX XXXX XXXX  I have an F rating to get hired with a company with companies checking backgrounds and credit this makes it impossible to get hired. This is not only detrimental to my life and my mental state with these errors and misinformation on my consumer report. It is also affecting my children 's mental as well. I tried giving TransUnion the benefit of the doubt waiting 61 days and they still won't follow the law. I called them many times to fix the issues, but they remain the same. I know that according to the FCRA that this is against the law if all of my consumer reports aren't 100 percent accurate.

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 2024-01-24 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: CT

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase blocked access to my online account statements, failed to email or provide paper copies of my account statement, created a situation that made it impossible for me to pay them, then improperly reported a past due account to credit agencies, greatly damaging my credit score and causing me irreparable harm.

Background : I have had a credit card with Chase since XXXX and have a history of timely payments. For years I was able to log into my online banking account ( https : //www.chase.com ), see my statement balance, and make payment. 

This changed in XXXX of XXXX, when Chase blocked access to my online statements by introducing a new Digital Service Agreement paywall that would force me to agree to accept marketing materials and unsolicited communications regarding benefits and features in order to access my statements. I have no interest in receiving marketing materials from Chase and believe that as a paying customer I have the right to access my online statements without agreeing to be be marketed to, so in XXXX of XXXX I reached out to their Privacy Office at XXXX, but did not receive a response. It is also around this time that I stopped receiving email statements from Chase, even though I am subscribed to receive email statements every month. 

The only communication I received from Chase between XX/XX/XXXX and XX/XX/XXXX was on XX/XX/XXXX, when I finally received an email statement with my account balance and a due date of XX/XX/XXXX. I called on XX/XX/XXXX to arrange payment and paid the outstanding balance from an external checking account ( since XXXX still cant access my online account due to paywall ), but even after acknowledging that this was Chases error on the recorded line, they refused to remove the derogatory mark from my account. 

In summary, between XX/XX/XXXX and XX/XX/XXXX Chase blocked me from online access to my statements, then failed to send me email statements, and despite knowing that I did not have access to my online statements, did not engage in any mitigating practices such as calling me, texting me, sending me paper statements, or sending me paper notices, therefore making it impossible for me to see my statement balance or make payment. To add insult to injury, they have refused to remove the derogatory marks from my credit report, even after acknowledging on the recorded line that they had no explanation for why no attempts were made to contact me with statement information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On or about XX/XX/2023 I notified Chase Bank about fraud on my account. I tried to close the account but I was told the department was closed and I would have to wait until the next day. Within a few hours, in the middle of the night, Chase sent out XXXX wires to accounts in XXXX, XXXX. Those wires totaled about {$8000.00}. The next day I visited the bank, told them verbally to not allow any wires from my account, closed my account XXXX, and opened a new account at Chase. About {$9500.00} was wired out of my NEW account and Chase has written me saying that they are not responsible and they will not refund any of the losses to my accounts. On or about XX/XX/2024CHASE PERMITTED ADDITIONAL WIRES OUT OF MY CHECKING ACCOUNT TOTALLING APPROXIMATELY {$500.00}. I have also filed a Police Report with the XXXX Police in my local area. I hope that you can help with reimbursement from Chase since they were advised about fraud but they still allowed multiple wires to be sent out from my accounts without checking with me or obtaining my approval because both accounts were subject to fraud. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Recently, I was denied credit by American Express. On XX/XX/2024. I applied for an American Express Platinum Card, Ref Number XXXX. 

According to the American Express Company Prospectus and the American Express Travel Related Services Company , Inc, my application is an asset-backed security. When I put in the application, I gave the company a transferable security. As remedy for my denial, I demand an overturn of all denied applications for open-ended/unlimited credit, discharged monthly. Fair exchange is fair exchange. I've applied 3 other times before this which, in total, is 4 asset-backed securities or transferable securities given to the company. I haven't received anything for this exchange. I called the company to talk to the proper authority on the matter and was transferred to the Declined Application Department and was told that the reason was because of my XXXX score. I know for a fact that my XXXX score is 1 factor, but never the deciding factor because of the fair exchange of asset-backed securities. I endorsed the securities ( applications ) and got absolutely nothing for it. I know that the company does not dispose of the denied applications. At it's more basic level, it's securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
They sent me a letter stating that the documents I provided do not constitute a valid negotiable debt instrument and the refuse to accept. UCC 3-306 states " If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused there is discharge, to the extent of the amount of the tender of obligation of an indorser or accomodation party having a right of recourse with respect to the obligation to which tender relates.

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 2024-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: CA

Complaint narrative:
XX/XX/2023 there was an unauthorized debit purchase for {$56.00} at a gas station in XXXX FL XXXX and i didn't buy any gas in FL XXXXm in XXXX XXXX CA so I disputed with chime .they denied my claim I believe they neglected to.properly investigate consumer disputes and errors they violated the consumer rights under the electronic funds transfer act they do not have proper policies and procedures in place to track and investigate or resolve errors i have reached out to the merchant and filed a claim they have called e annd told me they will be reaching out to the merchant and im going to call them also because i was not credited those funds back in my acct

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Notification for the 5th time today experian says another dispute is ready to view, LIE LIE LIE LIE LIE LIE LIE LIE LIE

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 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Opened a business bank account And using my credit cards 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 2024-01-24 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:
This complaint is in regards to XXXX XXXX XXXX account XXXX XXXXXXXX opened XXXX according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted 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 2024-01-24 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:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2024-01-24 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: AL

Complaint narrative:
I am requesting that it will be removed from my credit report as soon as possible.

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 2024-01-24 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: CA

Complaint narrative:
I've reached out to Experian regarding updating my address to reflect my current address accurately. The address was once updated to my current address but now it's showing an address I no longer reside at. This information as been reported to my creditors. However, Experian will not update my address to reflect accurately.

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 2024-01-24 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian removed negative information from my credit in XXXX, XXXX XXXX XXXX was removed and put back on my credit in on XX/XX/XXXX causing my FICO score to drop a XXXX points,

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 2024-01-24 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: AL

Complaint narrative:
Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading XXXX  disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be XXXX XXXX  accurate across all XXXX bureaus XXXX XXXX : Violation of 15 usc 1635 right of recission

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 2024-01-24 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: AL

Complaint narrative:
Ive submitted certified disputes regarding unauthorized account investigations including supporting documents including the cfpb complaints and FTC Report accounts still reporting requested for deletion of account now monetary request for violations and illegal reporting and misleading XXXX  disputes and certified request XX/XX/XXXX XX/XX/XXXX In violation of consumer laws 15 U.S. Code 1692e - False or misleading representations R 15 U.S Code 1692g Validation of Debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor.

US Code 1681 e ( b ) collections must be XXXX XXXX  accurate across all 3 bureaus XXXX XXXX : Violation of 15 usc 1635 right of recission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This complaint is in regards to LVNV Funding llc account XXXX XXXX opened XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-25 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: NY

Complaint narrative:
i request a security freeze thru XXXX to suppress my personal info in which i received confirmation of the request, however the reporting agencies ex : experian, XXXX XXXX XXXX all stated that the information their reporting is coming from XXXX in which shows inaccurate on all 3credit bureaus.please have them stop reporting inaccurate information

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 2024-01-24 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: LEXISNEXIS
State: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I kindly seek your assistance in correcting my personal information. I have clearly outlined all necessary corrections in my letters to each credit bureau, and I have attached proof of the inaccuracies in my records. This correction is crucial to me due to the presence of derogatory and negative accounts on my credit report that I find misleading and incorrect. I urgently request these to be validated and 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 2024-01-24 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: PNC Bank N.A.
State: NY

Complaint narrative:
XXXX XXXX and PNC BANK by law had at least XXXX and not more than XXXX additional days to reinvestigate to determine whether the disputed item is inaccurate and record current status of claim and or delete the disputed item from consumer file. Since XX/XX/XXXX of XXXX  XXXX XXXX nor PNC BANK followed XXXX laws. XXXX XXXX and PNC BANK failed to use the minimum XXXX days or maximum XXXX days  to reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Take a look at the attached documents. I want the bureau to start an investigation into these accounts, as I am never late, but they are erroneously reporting me as late.

Company response to consumer: Closed with non-monetary relief