vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Iam a XXXX XXXX that received a XXXX award from my job on XXXX. I went to chase bank on XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to cash or deposit the check on XX/XX/2024. When I first arrived I approached the teller I requested to cash the check because one the check was drawn on chase and also I have a Chase checking and auto account. The teller said I can cash the check with no problem, then an assistant XXXX came from the back looked at me in disgust then proceed to say she can only release XXXX of the check and the rest have to be deposited. This was no problem to me. As the teller was depositing the check she says that its a hold on the check I ask why? IT Was a XXXX check drawn on chase bank. She had no answer. She told me to sit with the manager, I asked why its uneccesary all I wanted to do was deposit my check that I waited XXXX XXXX years for. The manager starts to pull up my account asking why I don't get direct deposit etc all of these questions are uneccesary for a consumer to deposit their check rightfully. He then say he can't deposit my check, I asked why he say refer to the maker. My check had a stub attached t it to explain what the check is for, the number to verify it and etc. He refused to verify the check and gave it back to me saying he can't accept it. I called my XXXX, and the XXXX XXXX  of XXXX to see why I couldn't deposit the check, they informed that the check is good and its nothing wrong with it. The XXXX XXXX ask chase why they accept my check and they couldn't give an answer. it is very clear I was being discriminated against and I want answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I to who this may concern, I recently checked my credit report and to my findings came across inquiries that I did not approve of. This has been causing a strain on my credit report thus leading to mental and financial difficulties for me.

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 2024-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from 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 2024-03-20 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: GA

Complaint narrative:
Experian and XXXX continue to report an allege debt I do not owe and they have not validated or verified as belonging to me. I have received no documentation or contact information on who they spoke with to validate this allege debt. This debt has been canceled out and is now considered income and can not be reported to the credit bureaus.

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 2024-03-20 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: AZ

Complaint narrative:
On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX. I put down a limit of XXXX dollars, for 15 months I paid my secured card on time and accordingly. Unfortunately due to a string of tragic events which left me unable to keep up with my bills I fell behind on payments. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being deemed Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account 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 2024-03-20 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: AZ

Complaint narrative:
On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX. I put down a limit of XXXX dollars, for 15 months I paid my secured card on time and accordingly. Unfortunately due to a string of tragic events which left me unable to keep up with my bills I fell behind on payments. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being deemed Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 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: AZ

Complaint narrative:
On XX/XX/2021 I applied for a secured line of credit with XXXX XXXX. I put down a limit of XXXX dollars, for 15 months I paid my secured card on time and accordingly. Unfortunately due to a string of tragic events which left me unable to keep up with my bills I fell behind on payments. The institution XXXX XXXX then went on to place my account with months of late payments following a result of my account being deemed Charge- Off. I am aware the IRS clearly defines a Charge- Off as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account 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 2024-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FORD MOTOR CREDIT CO.
State: ME

Complaint narrative:
There has been an ongoing complaint that i started with Ford by letter prior to them hiring the attorney they chose. I received a number of letters from Ford in the mail them continuing to make false statements and its very confusing The last letter. received here in the CFPB portal is being attached. im not sure why they persist to renegotiate after they say they are going to do something. The account is not supposed to be affecting my credit anymore. Dealing with them directly they are not honest. They dont follow through and continue to play games with my credit score. They should put themself in my shoes cause they are the huge multi billion dollar company not me. I didnt cause this mess. But not they took ownership of the truck and its gone. they cant give it back to me. Its been over 3 years. so now this is their baby. Not mine. They may have hired their attorney in XXXX as they claim but i certainly didnt hear from them cause all this could have been avoided back in XXXX. Mistakes happen but i cant afford to pay for this one. and they said they were going to mark it paid with a XXXX balance and there should not be a repo either cause i wouldve have NEVER done this knowing all the facts and i have a right to know and the law protects me from this type of behavior. They said 30 days how many times now? This needs to get done!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, WA XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX, California XXXX RE : Unauthorized Inquiry into My Credit Report by Midland Credit Management Acct # : XXXX & XXXX Dear CFPB, I am writing to file a complaint against Midland Credit Management ( MCM ) for unauthorized inquiries into my credit report. 

I have obtained a copy of my XXXX credit report, which reveals that MCM accessed my report twice on XX/XX/XXXX, and twice again on XX/XX/XXXX. I have not had any prior communication or dealings with MCM, and I did not authorize them to access my credit report. 

The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 3 ), limits the permissible purposes for which a furnisher of information ( like XXXX ) can share my credit report. According to the FCRA, a permissible purpose includes a legitimate business need related to the collection of a debt. However, since I have not had any prior communication with MCM, their inquiries can not be for a legitimate business purpose. 

These unauthorized inquiries have likely resulted in a negative impact on my credit score. I request that the CFPB investigate this matter and take appropriate action against MCM for violating the FCRA. This may include requiring MCM to cease any further unauthorized inquiries and to compensate me for any damages caused by these violations. 

I have attached a copy of my XXXX report highlighting the inquiries from MCM for your reference. 

Thank you for your time and attention to this matter. I look forward to your response and the CFPB 's assistance in resolving this issue. 

Sincerely, XXXX XXXX Enclosures : Copy of XXXX Credit Report ( Highlighting MCM Inquiries )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent account on my credit report. Please remove this account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Specialized Loan Servicing Holdings LLC
State: VA

Complaint narrative:
To Whom It May Concern : Specialized Loan Servicing ( SLS ) is using foreclosure as a tool to force us into paying them over XXXX XXXX dollars for a {$130000.00} loan. They are trying to collect on a XXXX XXXX Mortgage by using their lien against our house to pressure us to accept a predatory loan repayment plan. 

Their recent loan modification offer would allow us to end the foreclosure if we : XXXX ) Pay about {$40000.00} in cash up front XXXX ) Pay about {$400000.00} in monthly payments of {$790.00} for the next forty years XXXX ) Pay an additional {$32000.00} at the end of the forty year term We have already paid SLS about {$60000.00} from the time when they acquired the loan, so the total financial loss incurred by this {$13000.00} loan would be a little over half a XXXX dollars. 

SLS has accelerated this loan three times since XXXX ; but they waited until last year to follow through on the threat of foreclosure. 

We would like your agency to investigate the business practices of SLS since we are obviously not the only victims of their predatory schemes, and we would appreciate any assistance you can offer as we continue to fight against SLS and its abusive practices. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Dear CFPB, Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: GA

Complaint narrative:
XXXX and Equifax continue to report an allege debt I do not owe and they have not validated or verified as belonging to me. I have received no documentation or contact information on who they spoke with to validate this allege debt. This debt has been canceled out and is now considered income and can not be reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-20 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: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30 days, as mandated by the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear CFPB, Since I have not received response from all 3 credit bureaus, and my credit file indicated that the investigation was complete and reporting was accurate I have exercised my right under FCRA Section 611, part B, subsection ( iii ) and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) and have requested proof of the procedure of dispute. It's been more than 30 days since the last dispute and none of the credit bureaus have notified me of anything. They have also not provided me with an updated and accurate credit report. Please see attached letters that I have sent to the bureaus. Thank 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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXXXXXX 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 explanation
Consumer complaint received 2024-03-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've consistently made sure that payments on this account are on time, never allowing them to be overdue. I'm uncertain about the reasons for the late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, corrections should be made.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
It seems FCRA 605B mandates the elimination of any erroneous accounts from my credit report. Could you kindly review the documentation? Certain listed accounts appear to be inaccurate in their reporting.

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 2024-03-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am trying to remove a credit alert from my credit report and the file upload site is not working properly. I followed the steps and guidelines to upload the document and it only gives me error messages. 

I have attempted calling customer service but I am unable to get to a person and I do not see any technical support line to call.

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 2024-03-20 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: FL

Complaint narrative:
Pursuant to 18 usc 8, I owe no debt, this company is violating my consumer right to privacy pursuant to 15 usc 1681 b 2 company has no permission to report anything using my info pursuant to 15 usc 1681 4 please provide copy of original documentation from following companies 1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3.XXXX XXXX 4. XXXX XXXX XXXX XXXX PLEASE PROVIDE ORIGINAL CONTRACT ALSO PAYMENT HISTORY & WHO WAS CONTACTED IN THOSE COMPANIES

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