vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CEASE AND DESIST [ XXXX XXXX ] [ c/o XXXX XXXX XXXX Terrace ] [ XXXX, Florida, XXXX ] [ XXXX ] [ XXXX ] XXXX [ XX/XX/XXXX ] XXXX Headquarters XXXX : To Whom It XXXX Concern XXXX XXXX XXXX XXXX Washington DC XXXX XXXX Department XXXX the XXXX XXXX  XXXX To Whom It XXXX Concern XXXX XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX : Cease and Desist Notice To Whom It XXXX Concern, I, [ XXXX XXXX XXXX XXXX as XXXX XXXX XXXX XXXXy in Fact for [ XXXX XXXX XXXX XXXX XXXX assert the following facts in accordance with established legal precedents : * " There is a difference between privileges and immunities belonging to the citizens of the United States XXXX XXXX XXXX citizen ) as such, and those belonging to the citizens of each state as such '' ( XXXX XXXX People, XXXX N.E. XXXX, XXXX ). 
* " Therefore, the XXXX citizens ( citizen of the XXXX XXXX ) residing in XXXX of the states of the union, are classified as property and franchises of the federal government as an 'individual entity ' '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX L.Ed. XXXX, XXXX S.Ct. XXXX ). 
* " ... the first XXXX amendments have uniformly been held not to be protected from state action by the privilege and immunities clause [ of the XXXX Amendment ] '' ( XXXX v. XXXX, XXXX XXXX XXXX, XXXX ). 
* " The right to trial by jury in civil cases, guaranteed by the XXXX XXXX the right to bear arms guaranteed by the XXXX Amendmenthave been distinctly held not to be privileges and immunities of citizens of the United States guaranteed by the XXXX XXXX '' ( XXXX XXXX New Jersey, XXXX XXXX XXXX, XXXX ). 
* " The acceptance of a license, in whatever form, will not impose upon the licensee an obligation to respect or to comply with any provision of the statute or with the regulations prescribed that are repugnant to the Constitution of the United States '' ( XXXX XXXX XXXX XXXX v. XXXX OF XXXX XXXX XXXX XXXX, XXXX ). 
* A XXXX XXXX ' ( citizen of the federal XXXX XXXX upon leaving the District of Columbia XXXX involved in XXXX XXXX, ' as a 'resident " does not have the common-law right to travel, of a Citizen of XXXX of the several states ( XXXX XXXX Maryland XXXX XXXX XXXX. XXXX, XXXX ). 
In light of the above, I demand an immediate cessation of all activities directed towards [ XXXX XXXX ]. Any further attempts to contact [ XXXX XXXX ] or engage in coercive behavior will be met with appropriate legal action. 
This notice is issued without prejudice to any rights or remedies, legal or equitable, that XXXX be available to [ XXXX XXXX ] or the undersigned. 
Kindly govern yourselves accordingly. 
Sincerely, XXXX XXXX : XXXX XXXX and XXXX XXXX XXXX Fact for XXXX XXXX XXXX x XXXX XXXX XX/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 2024-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: MIDFIRST BANK
State: NH

Complaint narrative:
I have had a long stretch of XXXX XXXX XXXX XXXX over the last several years. Most of it in the last XXXX XXXX years. Also, the recent deaths of two co-mortgage holders. 

Midland Mortgage said they would work with me, but then they sent me a payment plan that was the regular monthly payment of {$1100.00}, and the past due amount equaling {$6100.00} for six consecutive months. Refusing this plan, they informed me that there was no other assistance available, resulting in them sending it to the foreclosure lawyers. 

If I wasn't able to do the regular payment back then, how do they expect me to pay this ridiculous amount now?

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
1601. Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: NJ

Complaint narrative:
According to 15 use 1681eb Everything must be 100 percent max accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
According to XXXX use XXXX Everything must be XXXX percent XXXX accurate The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to XXXX use XXXX ( XXXX ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong. 
Then I ask them to provide me description of the investigation according to XXXX XXXX XXXX ( XXXX ) and they never did. I have proof of my letter for that. 
Also according to XXXX XXXX XXXX XXXX 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system

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 2024-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MN

Complaint narrative:
Venmo I opened an account to help a friend transfer funds. I was not allowed to transfer, to any account. So I bought crypto to transfer that. The crypto I bought takes me 2 minutes to buy but venmo made me wait 5 days for their service provider even after complaining I want to return the service and close the account. Then after the 5 days, with no reason the locked the account for a week. Then after complaining yet again, trying to close my account and not even caring about fees for services the failed to provide. They froze the account for 180 days with me very adamant about not giving consent and they are stealing my money. I've tried 2 times since and I get told the same manager response by pasted saying account closed wait 180days for fraud prevention. They have broken many maxims of Law, many laws and all of the workers just go along with it

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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:
XXXX XXXX XXXX XXXX closed and sent my account to a collection agency for {$160.00}. Collection agency offered to satisfy the account XXXX  a discounted rate of half of the amount which was {$82.00}. Spoke to someone from the collection agency and paid the amount. I was told the account would be satisfied. A few months later, the account was transferred to another agency for {$82.00}. Placed on my credit report ( all 3 credit bureaus reporting ) as a collection account and having a negative effect on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 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:
XXXX XXXX XXXX XXXX closed and sent my account to a collection agency for {$160.00}. Collection agency offered to satisfy the account XXXX  a discounted rate of half of the amount which was {$82.00}. Spoke to someone from the collection agency and paid the amount. I was told the account would be satisfied. A few months later, the account was transferred to another agency for {$82.00}. Placed on my credit report ( all 3 credit bureaus reporting ) as a collection account and having a negative effect on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: FL

Complaint narrative:
Dear XXXX, I am writing to address a matter concerning my account with Kikoff Lending LLC , Account Number XXXX, which is currently being inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment.

Given this definition, I am requesting that Kikoff Lending LLC take immediate action regarding the reported account. Specifically, I urge you to update the status of Account Number XXXX to reflect that it has been paid in full. 

The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. 

I trust that Kikoff Lending LLC will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I looked at my credit report on XX/XX/2024 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 who the report relates, I sent a letter on XX/XX/2024 asking them to Reinvestigate the completeness and accuracy of the accounts listed but TransUnion is making it hard for me to submit my dispute they keep saying I sound like a credit repair company or ask for more identification Can you look into this problem

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 2024-04-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit report and its showing an unauthorized/ unverified inquiry on my EXPERIAN and XXXX report account from XXXXXXXX XXXX XXXX ( bank ). I have no knowledge of this inquiry at all and need it to be removed from my credit report immediately.

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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have been receiving phone calls from debt collection agencies. I took the time to contact the debt collection agencies as well.as the 3 credit bureaus. Upon receiving a copy of my credit report I have retrieved the info about an unknown unauthorized accounts. I was told by the credit bureaus to file a police report for the fraudulent activity on my credit report. I have no knowledge of this debt. This is not my debt. The name of the debt collection agency is " Capital ONE. The amount on the account is {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JP MORGAN CHASE restricted my business account on XX/XX/2024 They denied me access to my funds and told on 3 seperate occasions that my funds would be returned to me.first they said they would send the funds back to the sender so I can have the funds within 3-5 business days so the funds could be redirected to my new account, then after3 weeks of not receiving any funds tehy told me a check was mailed out on XX/XX/XXXX and I will be receiving the funds within 10 -12 business days, It has been over 53 days since they seized my funds. This is my second complaint being filed with CFPB and XXXX  regarding this matter. Chase contacted me after the first complaint and assured me that the issue would be resolved. I still have not received my funds and i still have not heard from them since. At this point I am left no other choice other than to pursue legal action. I have already retained a lawyer to represent me. Chase has dispalyed that they do not care about small business owners such as my self and the tremendouse negeative effect thet witholding almost $ XXXX of my money is having on my business. I have lost allot of revenue, lost employees due to not being able to make payroll, I got behind on my bills and I had to take out loans in order to compensate for not having my funds available just to name a few of the effects this incident has had on my business. I will pursue to resolve this matter through my attorney and will also be contacting local news and media about this incident. CHASE needs to reimburts my funds and compensate me for damages to my business and my reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-20 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to address a matter concerning my account with XXXX XXXX XXXX , Account Number XXXX, which is currently being inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am requesting that XXXX XXXX XXXX take immediate action regarding the reported account. Specifically, I urge you to update the status of Account Number XXXX to reflect that it has been paid in full. 

The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of 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 2024-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to address a matter concerning my account with XXXX  XXXX XXXX XXXX Account Number XXXX, which is currently being inaccurately reported on my credit report. This discrepancy not only undermines my credit standing but also infringes upon my rights under the Fair Credit Reporting Act and the guidelines outlined in 15 U.S. Code 1681a regarding consumer reports.

As per 15 U.S. Code 1681a, a " consumer report '' encompasses any communication of information by a consumer reporting agency bearing on a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, which is used or expected to be used for various purposes, including but not limited to credit, insurance, and employment. 

Given this definition, I am requesting that XXXX XXXX XXXX take immediate action regarding the reported account. Specifically, I urge you to update the status of Account Number XXXX to reflect that it has been paid in full. 

The account in question was opened on XX/XX/2023, and has since been closed. Any outstanding balances associated with this account have been settled and resolved. However, the continued reporting of this account without acknowledging its paid status is not only inaccurate but also detrimental to my credit standing. It is imperative that my credit report accurately reflects the resolution of this account in order to prevent any unwarranted negative impact on my creditworthiness. 

I trust that XXXX XXXX XXXX will address this matter promptly and in accordance with the provisions of the Fair Credit Reporting Act. Furthermore, I expect confirmation once the necessary actions have been taken to update the status of Account Number XXXX on my credit report. 

Should you require any additional documentation or information from my end to facilitate this process, please do not hesitate to reach out to me. 

Thank you for your attention to this matter. I look forward to a swift resolution that upholds my rights as a consumer and ensures the accuracy of 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 2024-04-20 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: UT

Complaint narrative:
I reviewed my credit report and saw a credit card balance of {$30000.00} on XXXX XXXX when I have none.

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