vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-19 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: IL

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2024-09-19 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 and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hello- A few months ago, I received a mail-in promo to open a checking account at M & T Bank XXXX I opened an account in person with a {$400.00} promotional credit if there were {$500.00} or more of direct deposits within the first 90 days of account opening. I met the terms and my banker confirmed I would receive the bonus over email. The bonus was never eventually paid. I have followed up XXXX or XXXX times to no resolution. I have all the original documentation on the promotion, account opening, and emails confirming I did everything as needed. I am at a loss for why they are not honoring 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 monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgence Legal Group, PC
State: IL

Complaint narrative:
on XXXX XX/XX/XXXX case # XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX defendant dismissed without prejudice, they did not show to court date, and now they have a petition to revive judgment, on XX/XX/XXXX received a letter by mail, that i need to request a hearing by XX/XX/XXXX, that day I send by fax # XXXX XXXX XXXX to resurgence legal group a letter requesting about this credit card, no answer from them, now they arethey send a citation to discover assets to third party ( wages ) to my ex employer and me.they arent been clear and fair with their procedures, they are causing me emotinial distress, can't sleep and eat,,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: IL

Complaint narrative:
The letter indicates that there is a disputed account on my credit report, which I claim was not authorized by me. Despite numerous attempts to resolve the issue by requesting validation of the debt, the company in question has failed to provide any satisfactory evidence of the debt 's legitimacy. I assert that I have no legal obligation to pay the alleged debt and have taken steps to address the matter with both the creditor and 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 non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally request the immediate correction of inaccurate personal information in my consumer report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have attached a partial report highlighting the incorrect information that needs to be deleted.

The accurate details that should be reflected in my report are as follows : Name : XXXX XXXX XXXX XXXX, Date of Birth : XX/XX/year>, Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX, Additionally, I request the immediate removal of all phone numbers and any other incorrect information not pertaining to my accurate identity. The FCRA entitles me to dispute inaccuracies, and I expect prompt action to ensure my report reflects accurate information. 

Please confirm that these corrections have been made and inform me of any additional steps I need to take.

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 2024-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Dear Sir/Madam, I am filing a formal complaint against Chase Card Services concerning the handling of my credit card account ending in XXXX. After a clear agreement on the full payment and closure of my account, I have faced ongoing issues that have severely impacted my financial standing and credit score. 

Background : In XX/XX/year>, I contacted Chase to confirm the payoff amount for my XXXX XXXX credit card, which had a balance of just over {$19000.00}. The Chase representative confirmed that this amount would fully settle the account. Trusting this information, I completed the payment. However, I later discovered that residual interest was still accruing on the account, which was not disclosed during my payoff inquiry. This oversight led to unexpected defaults and late fees accumulating from XXXX to XX/XX/year>. 

Impact : The incorrect handling and misinformation regarding my account closure have led to substantial late fees and derogatory credit reporting. My credit score has drastically fallen to XXXX, directly influencing the interest rate of my adjustable-rate mortgage, increasing my monthly payments by $ XXXX situation that jeopardizes my home ownership. 

Communication Issues : I have encountered significant communication barriers with Chase representatives, primarily overseas, which has led to further misunderstandings and mismanagement of my account. It often required extensive wait times and multiple transfers to connect with a representative who understood my concerns, only to find that my initial payoff had not been handled as promised. 

Request for Action : I urge the Consumer Financial Protection Bureau to intervene and facilitate the removal of all derogatory marks related to this incident from my credit report and ensure that Chase rectifies the mismanagement of my account. Additionally, I seek confirmation that Chase will review their communication and account management practices to prevent such occurrences in the future. 

Given the severity of the impact on my financial health and the potential for home loss, I am also notifying the Attorney General of Michigan of this situation. I am prepared to take further legal action if necessary but hope for a swift resolution with your assistance. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and support in resolving these issues. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-19 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: PA

Complaint narrative:
I have attempted to have these accounts removed and yet they are still reflecting on my account. I have attached my FTC report for you to finally take matters seriously - because these inaccuracies are affecting my credit scores that I am unable to apply for new loans.

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 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I received a copy of my credit reports and am writing to dispute these fraudulent accounts following information that appears on my XXXX, Transunion, and XXXX report for fraud. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX. Sec. XXXX ( a ), you must complete this reinvestigation within XXXX  days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX Date Opened XX/XX/XXXX {$1000.00} portfolio recovery Date opened XX/XX/XXXX {$810.00} XXXX XXXX XXXX date opened XX/XX/XXXX {$880.00} capital XXXX XX/XX/XXXX {$5200.00} XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX FCU ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) 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 2024-09-19 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: 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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: 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.

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: DE

Complaint narrative:
Late notations on my account have never been a common occurrence as I am a responsible and punctual payer. I kindly request your understanding regarding the late remarks on my report, and I am committed to settling them as agreed. I aim to clear all the late remarks on my report, and I am eager to maintain a positive record with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$390.00} XXXX recent checked my credit report after receiving a letter from XXXX stating my information was in a data breach this debt collector, engaged, an abusive deceptive and unfair practice of the FDCPA which it prohibits they furnished this account that we didnt agree upon and I didnt sign any agreement on a legal contract is signed by two parties and I did not participate in any of it more so they did not follow the proper five step validation procedure, which makes this unfair practice according to the FDCAPA Im entitled to {$1000.00} per violation and clearly they violated my rights. I demand this company to delete this account from all three credit reporting agencies and compensate me for the violations, or I will have no choice, but to move forward with legalization attorney

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 2024-09-19 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: KY

Complaint narrative:
In according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX XXXX has violated my rights. 
15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE XXXX XXXX XXXX, SENT TO ME A 1099C FORM, WHERE SHOWS A DEBT CANCELATION, I DONT OWE ANY MONEY TO THEM, AND THE CREDIT REPORT IS UNACURATE WITH THIS INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 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: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I am not liable for this debt with JPMCD Card, I dont have a contracts with JPMCD Card, they did not provide me with the original contract as i requested Desired Outcome/Settlement Desired Settlement : Other ( requires explanation ) correction to my credit report, I demand this account be removed from my credit report Message to the Consumer on Thursday, XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Dear XXXX XXXX : This message is in regard to your complaint submitted on XX/XX/2024 against JPMorgan Chase Credit Card . Your complaint was assigned ID XXXX. 

Your complaint has been sent to the business for their response. Once they have responded to the XXXX, we will contact you again. In the meantime, please allow 4 - 6 weeks to receive a response to your complaint.

The text of your response may be publicly posted on the XXXX  Web Site ( XXXX  reserves the right to not post in accordance with XXXX  policy ). Please do not include any personally identifiable information in your response. By submitting your complaint, you are representing that it is a truthful account of your experience with the business. XXXX  may edit your complaint to protect privacy rights and to remove inappropriate language. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

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 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: PA

Complaint narrative:
I applied for XXXX XXXX XXXX in XX/XX/year>2024. There were issues with my application and was told to submit again. I submitted another application on XX/XX/year>2024. I called in XXXX to check on the status of my application and was told I did not submit an application. I could see on my portal the date the application was submitted but they could not see it on their end. My application has been " lost '' by this company for over three months and when I called the only solution was to submit again. When I asked if they could expedite my application they told me they could not. I filed a complaint with the company and every response I have received has been about my XXXX application, not the one I submitted in XXXX. 
I am paying hundreds of dollars in interest on this loan that will be cut in half when this forgiveness is accepted. It is unacceptable that their website has an error that caused my application to be lost and they refuse to help me. Their only advise was to submit it again, wait another 3+ months and continue to pay hundreds of dollars while they review my new application. I have attached a document that shows that there was an application submitted in XXXX of 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Jefferson Capital was sent a Debt Validation letter certified mail on Monday XX/XX/year>. I requested the company to Please supply me with a copy of any contract or agreement signed with your company or the original credit.

Company response to consumer: Closed with explanation