vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
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: TX

Complaint narrative:
I am filing a complaint against JP Morgan Chase regarding their unwillingness to provide information on a vendor 's lien they presumably acquired from Washington Mutual. This lien is associated with the property at XXXX XXXX XXXX, XXXX XXXX, Texas XXXX, originally under XXXX XXXX XXXX  Loan # XXXX. Chase 's lack of cooperation is preventing the resolution of a complex title issue. 
Key facts : Property address : XXXX XXXX XXXX, XXXX XXXX, Texas XXXX Original loan number : XXXX XXXX XXXX  Loan # XXXX XXXX : Vendor 's lien originated with XXXX XXXX XXXX XXXXXXXX : XXXX XXXX Mortgage acquired by XXXXXXXX XXXX XXXX XXXX XXXX XXXX  acquired by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX assets acquired by JP Morgan Chase through FDIC Loan maturity date : XXXX Primary issue : JP Morgan Chase has refused to provide any information about this lien or mortgage, despite having acquired XXXX XXXX XXXX XXXXXXXX. Their unresponsiveness includes : Denying any record of the XXXX XXXX XXXX ( Loan # XXXX ) on the aforementioned property Failing to provide information on any assignments since XXXX Unwillingness to assist in resolving the title issue for XXXX XXXX XXXX This XXXXefusal to cooperate is causing significant problems : Unable to clear title on the property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX not satisfy the title company 's request for a lien release Potential financial and legal implications due to unresolved lien status Chase 's lack of accountability for assets they acquired is deeply concerning. As a major financial institution, they have a responsibility to maintain accurate records and assist customers with issues related to acquired assets, including this specific loan and property in XXXX XXXX. 
I request the OCC to : Investigate Chase 's handling of this matter Compel Chase to conduct a thorough search of their records for Loan # XXXX and the associated property Require Chase to provide all available information on this lien Ensure Chase fulfills its obligations regarding acquired assets This situation highlights a serious issue in the banking industry : the loss of critical information during bank acquisitions. It demonstrates the need for stronger regulations on record-keeping and customer service obligations for acquiring institutions. 
Your intervention is crucial in resolving this matter and preventing similar issues for other consumers. I appreciate your prompt attention to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: LA

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: IL

Complaint narrative:
The list of accounts below has violated my federal protective consumer rights to privacy and confidentiality under 15 USC 1681 did my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable Procedures to insure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC1681 ( e ) ( b ) according to 15 USC 16815 ( 5 ) inaccurate or unverifiable information ( A ) in general after any navigation on the paragraph ( 1 ) of any information disputed by the consumer, and item of this information is found to be in accurate or incomplete or can not be verified, the consumer report agency shall ( 1 ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file on the consumer. And according to 15 USC 1681s-2 they are not to furnish any information relating to a consumer reporting agency it all has reasonable believe that the information is inaccurate. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2024-07-01 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: IN

Complaint narrative:
What must I do for your company to stop ignoring me? This is just so neglectful. I am a concerned citizen whose credit scores are affected because you can not verify these items and do not even take your time to delete them since they are all inaccurate.a

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 2024-07-01 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: MO

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Collections that are being challenged XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Request for Security Freeze on Credit Report To Whom It May Concern : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 



My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/year> Social Security Number : XXXX Current Address : Address : XXXX XXXX XXXX XXXX XXXX California XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 



Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Wrong, old and out dated personal information is being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: TX

Complaint narrative:
Wrong, old and out dated personal information is being reported 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 2024-07-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: FISERV FINXACT CORE
State: UT

Complaint narrative:
Starting halfway through XXXX, we will say XX/XX/XXXX it became impossible to access the account in anyway. The mobile app opens but does not even attempt to login ( I can input the wrong password and it doesn't even try and then tell me it is the wrong password ). The website is opens as well but does nothing else, you can not log in normal as they have changed something with the log in. It asked me to re-register starting with my card number and expiration. I can not get past this because it always says it is the wrong information no matter what. There is no email to contact. The website will only give you " call the number on the back of the card ''. Which is fully automated and will not send you to a real customer service rep for any reason. I have attempted to reinstall the app, I have tried on different devices, I have tried to website on different computers. I have tried mobile service, and WiFi, and both together. I have tried all of these every single day since XX/XX/XXXX, including finding a way to contact them. I have gotten nothing and am panicking about losing all my savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: GA

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, IL, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Listed below are the Accounts that are being challenged XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Fees** **Name** : XXXX XXXX **Account Routing** : XXXX **Account Number** : XXXX **Address** : [ Your Address ] **Phone Number** : [ Your Phone Number ] **Email** : [ Your Email ] -- - **Dear Sir/Madam, ** I am writing to file a formal complaint against JPMorgan Chase Bank regarding unauthorized overdraft fees applied to my account despite multiple requests for these transactions not to be approved.

I hold a checking account with Chase, identified by the routing number XXXX and account number XXXX. On [ specific date ], I contacted Chase 's customer service to request that no transactions be approved if there were insufficient funds in my account to cover them. Despite this request, Chase has continued to approve transactions, resulting in overdraft fees being charged to my account. 

The details of the unauthorized overdraft transactions and fees are as follows : - [ List specific transactions, dates, and fees ] I have made several attempts to resolve this issue directly with Chase 's customer service, but the problem persists. The bank 's actions are causing financial hardship and are contrary to my explicit instructions. I believe Chase is in violation of Regulation E, which requires banks to obtain affirmative consent before charging overdraft fees for ATM and one-time debit card transactions.

I request that the CFPB investigate this matter and take appropriate action to ensure that Chase adheres to the regulations and policies designed to protect consumers. I also seek a full refund of the unauthorized overdraft fees charged to my account and assurance that no further unauthorized overdraft fees will be applied. 

Thank you for your attention to this matter. Please feel free to contact me if you require any additional information. 

Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-01 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: IN

Complaint narrative:
What must I do for your company to stop ignoring me? This is just so neglectful. I am a concerned citizen whose credit scores are affected because you can not verify these items and do not even take your time to delete them since they are all inaccurate.a

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-01 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: GA

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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my Equifax credit report on XX/XX/year> 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 according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: EQUIFAX, INC.
State: TN

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-01 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: NY

Complaint narrative:
I am writing to follow up on my previous dispute regarding inaccurate and unverified negative items on my credit report. Despite my earlier correspondence and the legal obligations under the Fair Credit Reporting Act ( FCRA ), these items remain unaddressed.

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 2024-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
On XX/XX/year> I requested Barclays to close the account. I lost my hearing on XX/XX/year> and the card is a reward card for XXXX XXXX, which with my hearing lost I will not be traveling anytime in the near future. They either ignore my request or refuse to act on it until the annual membership was due of {$99.00}. I disputed the charge and now they are telling me since it is an annual membership fee and they can disputed/waived, but I had requested the card to be closed on XX/XX/year> and they did not act on it.

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 2024-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
I am unaware of this alleged debt that was placed on my consumer report ( Collection services ) and I did not receive proper notification of this debt which violates 12 CFR 1006.34 ( B ) ( 5 ) ( See Exhibit B ) Debt Collectors must notify you within 5 days of receiving your account. THIS HAS NOT BEEN DONE. I also have not been given a chance to dispute this debt according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ( See Exhibit C ) if credit collection believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature. If this information can not be provided. l want this alleged debt removed from all my consumer reports effective Immediately. This is really disheartening to know that collection services can overlook the laws and rules that says that in order to place an alleged debt on a consumer report the debt collector MUST contact the consumer on the Consumer Financial Protection Bureau site. ( See Exhibit D ) | have found information that clearly states that debt parking is illegal and that a debt collector can not park a debt on a consumer report without first contacting the consumer in the connection of the debt. ( See Exhibit E ) To validate the debt, I am requesting the following. validate the debt, I am requesting the following information : The original sales agreement pertaining to the debt in question. license and documentation proving your authority to collect this debt from me. Additionally, I request my written consent for collection services.. You have defamed my character, my reputation, my worthiness, my standing, my capacity, and my mode of living. All of these violations are a direct violation of 15USC1681. No consent is identity theft, and these violations are Aggravated Identity theft, pursuant to 18 USC 1028 b ( 1 ) ( A ) ( ii ). You have knowingly transferred, possessed, and used, without lawful authority, a means of identification of me, which is a felony punishable by up to 5 years of imprisonment, in addition to civil liability. For damages I am invoking my rights as a consumer pursuant 15USC1681 ( n ) civil liability and I demand compensation for every violation listed below : Permissible purpose { {$1000.00} } Defamation of character { {$1000.00} } Damaged reputation { {$1000.00} } XXXX. Damaged credit worthiness { {$1000.00} } XXXX. Damaged mode of living { {$1000.00} } XXXX. Infringed on right to privacy { {$1000.00} } Cease and desist the reporting of this erroneous and deceptive information in my consumer report. Delete this account from my consumer report and all your systems.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation