vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2024-06-25 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: 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 2024-06-25 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: LEXISNEXIS
State: OH

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 non-monetary relief
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 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: IL

Complaint narrative:
I understand the significance of eliminating any erroneous accounts from my credit report as outlined in FCRA 605B. I've noticed discrepancies in several listed accounts, which is causing concern.

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 2024-06-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2024-06-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I submitted an online transfer request on XXXX, received a confirmation but did not receive the funds. THERE IS NO REASON WHY THESE FUNDS ARE HELD. NO OTHER BANK MAKES THE EXCUSES TO DELAY PAYMENTS. Their notifications are fiction and need to clearly and accurately state the value date when funds are available to me. This needs to stop. Capital One has closed so many branches they do not support their clients. More importantly, you can not write to anyone at this bank and need to only call where there is no record of their incidents. With all today 's automation, why are phone calls the only way to contact this bank? They send emails but you can never respond - this is too XXXX sided.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: NC

Complaint narrative:
On XX/XX/year>2024, I was looking into my personal credit report and noticed that there was some incomplete, and inaccurate information on my report. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. As well as Whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates 15 U.S.C. 1681 Section ( I ) ( 7 ). This account XXXX XXXX, XXXX XXXX, is not complete and is not accurate. 

XXXX XXXX, XXXX XXXX open date is not reporting correctly, date of last active, date of last payment, this account is not accurate or complete. 

I mailed out a letter for verification on XXXX XXXX2024. Asking all Credit Bureaus to reinvestigate this account.

I got the investigation back ( Experian Report Number XXXX ) but noticed nothing modified or updated. According to 15 USC 1681 ( I ) ( 5 ).

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, we tried to make a payment on our mortgage account which would have made the account current before scheduled transfer of the account to another mortgage company. Unfortunately, our online payment option had been XXXX and we could not make a payment. We immediately called XXXX to try to make a payment online with a representative ( XXXX XXXX XXXX and were advised that we needed to make the payment online because the online portal was still up and active. Again we logged into our online portal to try to make a payment and were unsuccessful. On XX/XX/year> XXXX who no longer owned the account made a negative report to our credit and when we were notified by XXXX XXXX on XX/XX/year>, we called XXXX and spoke with XXXX XXXX. We asked them how could they report anything to our credit when they no longer owned the account and intentionally XXXX our online ability to bring the account current. She put in a request to see if XXXX would remove or reverse the adverse reporting. We advised her about the letter that we had received from XXXX stating that we would be able to make payments on our account through XX/XX/XXXX, but that was clearly not the case. We disputed the negative report on our credit with Transunion and XXXX, who reached out to XXXX at which time they removed the 30 days late for XXXX but added a comment that the account was transferred but 30 days late. We have tried numerous times to get them to remove any adverse action reported by them because they did not comply with the letter in which they sent out to us as a consumer. On XX/XX/year> we spoke with an escalation manager by the name of XXXX to try get a different outcome and was told that the report made by them would remain as is. By her admission she stated that they had indeed XXXX our account before XX/XX/XXXX and any payments made needed to be received in the form of a check by XX/XX/XXXX. That was no stated in their letter and we were advised that any form of payment would be acceptable through XX/XX/year>. Everyone that we have spoken to has constantly given a different excuse to try to justify the deceitful act done unto us by XXXX Mortgage.

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 2024-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT

Complaint narrative:
I rented an apartment at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. I ended my lease early in mutual agreement with my landlord and paid a {$4000.00} fee to do so. I communicated with my landlord to coordinate my move out date. They attempted to demand that I return to the apartment to continue cleaning, despite my having left it in reasonable and clean condition. I told them I had already surrendered the apartment. They threatened to charge me for wear and tear. I never received a statement of alleged damages in violation of Connecticut state law, CGA Sec. XXXX. Now, the management company has submitted a roughly {$890.00} charge charge to a debt collector to collect on an illegal debt, in addition to wrongfully withholding my security deposit.

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 2024-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I currently have a Chase Credit card in good standing. Over the past year, Chase has attempted to open XXXX fraudulent credit cards in my name, including hard credit checks. Under FCRA, I understand I have the right to receive a copy of the fraudulent application that was filed in my name. I have made numerous requests to Chase and they state they are " unable to provide this information. '' As recently as tonight, I spent XXXX hour on the phone with Chase. I was escalated to supervisor XXXX. I again informed her that I wished to exercise my rights under FCRA. She stated that her instructions were to inform the customer that she Chase is not provisioned to provide that information and to transfer to a phone number. I asked repeatedly if this phone number was another department within Chase and she said yes. Ultimately, she transferred me to the automated FTC identify theft line that provides pre recorded advice about freezing ones credit. I am filing a complaint, because Chase is refusing to comply with FCRA. My desired resolution is that Chase provide me with all documents it is required to provide me with under FCRA, redo its call center procedures to comply with FCRA, and compensate me for my time. Additionally, I think its ridiculous that Chase continues to open fraudulent accounts for an existing customer when I have informed them numerous times that I have no desire to open another account with Chase, and have asked them to flag my name and perhaps call me first ( they certainly have my contact information ) before proceeding with opening additional lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: AmeriHome Mortgage Company, LLC
State: TN

Complaint narrative:
In late XXXX we logged into our Amerihome Mortgage account to request an additional {$500.00} be applied to the Principal of our next regularly scheduled mortgage payment. Our mortgage payments are set on Automatic Payment/ACH. Instead of applying the {$500.00} principal payment to our next scheduled payment on XX/XX/XXXX, Amerihome collected an additional entire month 's mortgage payment on XX/XX/XXXX along with the {$500.00} we requested on top of it. 

We have spent a considerable amount of time on the phone trying to sort this out with Amerihome, but they go in circles and will not acknowledge they made an unauthorized withdrawal from our account for the mortgage payment and they will not refund us the mortgage payment that we never agreed to. 

In addition to this unauthorized payment, in XXXX of XXXX we requested to remove escrow from our mortgage payments for homeowners insurance and property taxes. After jumping through numerous hoops, Amerihome sent us a check for the escrow balance in our account, but they did not include the XXXX escrow payment that we made when they withdrew the unauthorized mortgage payment from our account on XX/XX/XXXX. I have a detailed spreadsheet which records every payment we made to include the beginning escrow balance and the {$190.00} from the unauthorized mortgage payment withdrawal. We provided this spreadsheet to Amerihome via certified mail. 

To top it all off, last week, on XX/XX/XXXX, we received a letter from Amerihome which states they have transferred the servicing of our mortgage to another lender, XXXXXXXX XXXX XXXXXXXX. This notification was made short notice and will be effective next week, on XX/XX/XXXX. 

As a remedy, we would like Amerihome Mortgage to return the unauthorized payment they collected on XX/XX/XXXX in the amount of {$2700.00}. This amount would also satisfy the {$190.00} escrow payment that was not returned to us when we eliminated escrow from our account.

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 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXXXXXX XXXX is reporting incorrect information as of today XX/XX/year> and this information should be removed off of all credit bureaus because its improper incorrect and its not true. Its fraudulent. 
Please be advised that as of today XX/XX/year> there are several frauds/ or unauthorized information on this account, and I owe less on this debt as of today, but it shows a charged off debt on my credit report. This is incorrect and I will file a lawsuit against you for falsifying information! Im making payments every week to discover! 

Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: MI

Complaint narrative:
XXXXXXXX XXXX is reporting incorrect information as of today XX/XX/year> and this information should be removed off of all credit bureaus because its improper incorrect and its not true. Its fraudulent. 
Please be advised that as of today XX/XX/year> there are several frauds/ or unauthorized information on this account, and I owe less on this debt as of today, but it shows a charged off debt on my credit report. This is incorrect and I will file a lawsuit against you for falsifying information! Im making payments every week to discover! 

Account # 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 2024-06-25 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: LEXISNEXIS
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 2024-06-25 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: PA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong 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 2024-06-25 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: PA

Complaint narrative:
I thought the economy was bad, but after looking at my credit report it is clear which is way worse all I see are inaccurate information which is causing me immense stress. I want to uphold my rights as a consumer, it is so depressing that I have to go through all this and I wouldnt even be able to afford a psychiatrist for that because my cards will just get declined due to my credit score being low with all these wrong information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America is knowingly reporting this inaccurate account after notifying them previously last year of this inaccurate reporting. They are damaging my credit score and causing my hardship due to me being denied for housing because of this error.

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 2024-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/XXXX XXXX XXXX debited my card XXXX times to take {$180.00} from my account. I tried to lock my card but was unable. I called cash app .that money was on the phone 3 hours with manager. She said she would log all unauthorized charges. But failed to do so. 2 more times on the phone for 5 hrs. An unauthorized charges said will be investigating but nothing. XXXX XXXX XXXX. Refunded me XXXX XXXX cent in my favor. But I have XXXX of the same but cash app has failed me an thinks this is a joke. I've had enough. I want someone held accountable. An I want my money back. They closed my account. Lock my card. This is very unsatisfactory business practice..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-25 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: EQUIFAX, INC.
State: NM

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief