vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 2024-02-03 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My America Express account is past the statute of limitations and I would like it removed from my account in accordance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: GA

Complaint narrative:
Inaccurate Inquiries on credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
YOUR COMPLAINT Dear Consumer Financial Protection Bureau, I am writing to dispute and request validation for several items on my transunion and companies on credit report. I am a real person with no help, which is why I am here again. 


I have experienced difficulties in accessing my report, and upon successful access, the information provided seems inaccurate. 


Enclosed is a dispute letter addressed to Transunion, outlining my concerns and the specific details I am seeking for each account. I have previously sent this letter to Transunion multiple times without receiving any response. 


The list of accounts in dispute is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Plus, my personal information, such as too many names on my account and a lot of addresses when I only have one, and the fact that there are still a bunch of phone numbers that should be no phone numbers, is still wrong. Thank you for your attention to this matter I kindly request your assistance in facilitating a resolution with Transunion and ensuring that the necessary investigations are conducted. Please see the attached dispute letter for your reference.

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Early Warning Services, LLC
State: MD

Complaint narrative:
So every time I try and open up a bank account I cant because they say I need to contact you all and that I owe a bank or something I dont know

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
During XXXX I purchased some camera from Walmart Website. When I received them, I realized they were not compatible with my WIFI and also they were not wireless. I requested a return from walmart which was approved. I received a return code XXXX and was told informed to return right away. I was in the process of return the items when I received an email from XXXX stating that they have deactivate my online account and will not be accepting no payments, NO RETURNS, NO transactions from me. They have send that notice without prior notice. Now I am stuck with merchandise unable to use. I reached out to walmart they said once the account is closed they cant do much. They advised that I called my credit card and dispute the transaction which I did. I reached out to capital to dispute the transaction. They provided a temporary credit and took it back. I provided them with the email from Walmart indicating that they are NO longer ACCEPTING returns from me and My account is INACTIVE. CAPITAL ONE will not comply to credit me. I have been with capital one walmart for more than 10 years. I will not pay for merchandise that are not satisfactory. That is XXXX. I dont have that and WILL Not pay that.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: NY

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: NY

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: FL

Complaint narrative:
I looked at my report and noticed some things that were reporting incorrectly. I sent multiple letters to Experian, XXXX, and XXXX asking them to validate the Bankruptcy Account and investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters to the bureaus asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). The response I received was it was verified through XXXX XXXX. After this, I requested a copy of my consumer report from XXXX XXXX and verified if this account was actually on the report and it wasn't. I also called XXXX XXXX to confirm this information and I was told that there was no Bankruptcy showing on my consumer report and that they did not receive any request from the credit bureau requesting for verification of this account. I am beyond upset and frustrated, that a company that is supposed to report complete and accurate information on my customer report, can flat-out tell me false information and then verify the validity of this account. I also sent a letter to the XXXX XXXX XXXX XXXXor XXXX XXXX ( county appearing on customer report that is reporting ), who states that they do not furnish debt collectors or credit bureaus any information. This is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ), just to name a few!

As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXX XXXX XXXX Balance Owed : {$96.00}

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 2024-02-03 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: CA

Complaint narrative:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXXXXXX Balance Owed : {$9900.00} XXXXXXXX XXXX XXXX Balance Owed : {$96.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2024-02-03 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: NY

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXhas violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose. 

The Following inquiry should be removed from my credit profile. 

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 2024-02-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
AT ACCOUNT OPENING THE BANKER DID NOT FOLLOW MY INSTRUCTIONS TO DEPOSIT MY MONEY INTO CD AND ONLY OPENED CHECKING ACCT. MY INTIAL AND ORIGINAL REQUEST WAS TO OPEN CD AND CHECKING ACCT. I ACTUALLY OWED A DEBT WHICH I HAD TO PAYOFF THEN I WAS ABLE TO OPEN AN ACCT WITH CHASE. ALL I KNOW IS I WANT TO WITHDRAW MY MONEY AND CLOSE THIS ACCT AND I CANT. CHASE EMPLOYEES HAVE DISCRIMINATED AGAIST MY AGE, GENDER, AND XXXX I WILL FILE LAWSUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 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: MS

Complaint narrative:
See attached documents below. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 15 U.S. Code 1601- Congressional findings and declaration of purpose ( p ) The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholderreceives no benefit. Under, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In according with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-03 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: CA

Complaint narrative:
I have given instructions to XXXX XXXX in the past to opt me out from Sharing my information unfortunately for some reason this information continues being Update it on my TransUnion consumer credit report this information is a fraudulent information that I have disputed with the CFPB in the past, XXXX XXXX has been sending me an Incomplete Promissory note without the Wet signature contract, so, I am writing to exercise my right to opt out of the sharing of my nonpublic personal information with nonaffiliated third parties. Please take note of the following instructions regarding this information sharing and sales policies. Under 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/1977, from requirements of 433.2 ( a ) Also. I'm asking for the Opt-Out Request I hereby request that XXXX XXXX do not disclose or reserve the right to disclose my nonpublic personal information to any nonaffiliated third-party Categories of Information Please identify all the categories of nonpublic personal information that you currently disclose or reserve the right to disclose, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of Regulation P. Additionally, specify all the categories of nonaffiliated third parties to which this information is disclosed

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 2024-02-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXXhas violated my rights. 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666 B : A creditor may not treat a payment on a credit on a credit card account under an open end consumer plan as late for any purpose. 

The Following inquiry should be removed from my credit profile. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This loan servicer Specialized Loan Servicing ( SLS ) took over this HeLOC years after it was originated in XXXX. XXXX XXXX XXXX, the originator went bankrupt in XXXX. The original amount was {$150000.00}, it is now over {$300000.00}. I filed a lawsuit last summer, citing violations and my attorney said that the one your statute limitations that I had to file had passed. I knew nothing about the one-year statute limitations that lenders enjoy while they have a 30-year statute limitations to enforce mortgage paper that private investment groups buy up for pennies on the dollar. I was forced to sign a settlement agreement saying that I would not sue them. I Now face and looming sale date, and although they have offered me loan mitigation, the down payment that they are requiring is outrageously high. They referred me to a lender that they are referring to many of their files that are in similar status that can refinance my first and second into one loan. In my discussions with this lender, I was told that I do indeed qualify for financing according to my income and credit, and the loan-to-value ratio, but because the title is showing this SLS foreclosure, this potentially new lender will not take action. SLS could rescind the sale date so that I can have time to qualify for this take-out funding. They have just lied and waited until there's enough equity for them to swoop in and force my wife and children out of our 24-year family home. Some enterprising attorney needs to file a class action against these predatory loan servicing companies that simply play the game of " extend and pretend ''. I will be able to meet some kind of mitigation arrangement with them if they will give us the time to gather the resources.

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 2024-02-03 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 2 o 4 a section 2 ) ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666a A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Please correct or remove the following payment history ( s ) to either paid on time or delete the entire account from my consumer report without reentry XXXX Correct as Paid on time or remove from report XXXX Account is being reported as 0 % paid, This is a big error that is being reported, I had this account since XX/XX/year>, Account has been paid on time monthly. Please remove from consumer report. 

XXXX I do not own or have any knowledge of this account- Pleasr remove from my consumer report XXXX do not own or have any knowledge of this account- Pleasr remove from my consumer 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 2024-02-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
They would freeze my account or not let my money or bills get paid then charge me overdraft fee after overdraft fee repeatedly on the same transaction

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