vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 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: PENTAGON FEDERAL CREDIT UNION
State: PR

Complaint narrative:
This is my 3rd attempt with XXXX to solve this situation XXXX are reporting inaccurate late payments and incomplete credit information. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information .The following information therefore needs to be investigate immediately PENTAGON FEDERAL CR UN XXXX I respectfully request for the 3rd time to be provided proof of this alleged item, specifically proof of those late payments are in fact late. Falling that, ( they have already failed 2 times ) the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a correct credit profile to all creditors who have receives a copy within the last 9 month, or the last two years for employment purposes., Additionally, please provide the name, address and telephone number of each credit grantor or other subscriber, Under Federal Law, you have ( 30 ) days to complete your re-investigation.be advise that the description of the procedure used determine the accuracy and completeness of the information is thereby requested as well, to be provided within ( 15 ) days of the completion of your investigation.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I made a routine online payment of {$100.00}. Prior to making the payment, I updated my XXXXXXXX XXXX checking account information. I did not utilize the old XXXX XXXX information as I had recently closed that particular account. I also have XXXXXXXX XXXX checking account information on file as well. On XX/XX/XXXX I received an email alert from Chase informing my financial institution returned the payment of {$100.00}. 

Subsequently, I contacted Chase to inform them of the email alert and updated payment information submitted on my credit card account before making the payment. I spoke to a Representative who advised the payment of {$100.00} had posted on XX/XX/XXXX and there was no payment due at that time. In addition I repeated the payment information used to make the payment. I requested the Representative to remove the old payment information in which she accommodated my request. In addition the Representative requested me to reconfirm my updated payment information. On XX/XX/XXXX I received an alert to make a payment of {$35.00}. On XX/XX/XXXX I made a payment of {$100.00}. 

To any event, I am confused my account is up to its approximate limit of {$500.00}. I have charged a total {$160.00} between XX/XX/XXXX- XX/XX/XXXX regarding purchases from XXXX. I have paid {$100.00} on XX/XX/XXXX as I routinely do. XXXXXXXX XXXX stated Chase Bank never attempted to submit the payment, although the correct updated payment information was provided. On XX/XX/XXXX a Chase Representative stated the {$100.00} had posted, removed my old payment information, and confirmed my updated payment information. On XX/XX/XXXX I made another payment of {$100.00}. On XX/XX/XXXX I had a return from XXXX in the amount of {$130.00}. After failing to appropriately apply the payment of {$100.00} on XX/XX/XXXX, Chase Bank charged me an extra {$36.00} ( late fee and fees and adjustment charge ). 

Chase Bank may reference the details of my complaint through their resources. I am requesting Chase Bank to remove any extra fees applied to my account. Routinely, there has always been a sufficient amount of funds to cover payments. I am also seeking Chase Bank to reevaluate my credit card account ensuring all payments and credits are appropriately applied to the account. Please be advised if necessary I can and will supply any supporting evidence upon request.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-09 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: OR

Complaint narrative:
I am writing to you to formally request a copy of the procedure your company followed in order to ensure that the information reporting for account the following is completely accurate. It's strange, you did a full investigation to verify the accuracy of this account due to the fact that you continue to report the wrong information. 

It is frightening to think that you did not do as you are governed by the Fair Credit Reporting Act and that other consumer might be affected Having this type of information on a person 's a credit report is unfortunate and severely damaging, but having incorrect damaging information on a person 's credit report is unacceptable. 

Please forward to me the name of the person you spoke with at the accounts listed and the date that you spoke with them. I also want a confirmation of the address and phone number for the company.

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 2024-10-09 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: SC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-09 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: MA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We made a purchase for concert tickets and immediately began receiving notices about multiple fraudulent transactions. We contacted Chase immediately and they issued us a new card and removed the charges. A few days later, we received a package in the mail we didn't recognize. It was just part of one of the fraud purchases. We held onto that box for two months before throwing it away. Soon after that, Chase re-instated the charges, over {$1800.00} worth. They say " we received benefit from this transaction '' as their reason for denying the fraud charges. We have pleaded with them that we did not make these charges and only received one package. They say they denied all 4 charges because they all had a shipping address for our home. They will not let me talk to the investigator doing the work, will not provide any proof of items shipped to our house, and only respond with unsigned letters in our portal so we never really know who is working on our case.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: NC

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-10-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MN

Complaint narrative:
I am a victim of human trafficking. I found out that I had a XXXX XXXX  now with XXXX XXXX XXXX. The XXXX of Minnesota XXXX XXXXXXXX XXXX XXXX paid this debt because I am in emergency housing with them. We have been trying to get it off XXXX and XXXX but they are not following the law. I sent them my victim determination letter and proof the debt was paid and asked them to remove it from my credit report. Im not sure if the lady I talked to was actually telling the truth because she said in 60 days they will remove it. But she said that before I even got the email to send the documents to XXXX XXXX. This being on my credit report is causing me to be denied housing and I have never owed a landlord or apartment previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
lvnv funding llc has multipple collection accounts that they are collecting on against me. they have accounts on behalf of XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXXk for XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for XXXX XXXXXXXX XXXX XXXX XXXX for XXXX i have sent several letters asking for validation of debt that i have never recieved i have recieved phone calls and asked them to stop calling me until they can show proof of debt and they continue to call me several times a day i asked to show validation that teh accounts were sent to them for collections they have not they are stating that these are all charge off debts however i have not recieved any 1099 c showing that the debt was charged off and they can not provide such informaton to me however they ar ruining my credit without being able to validtae a debt or thet they have the authority to report on my credit or that i have ever had a contract with them to pay anything they have also threatened to sue me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: ME

Complaint narrative:
I have requested verbally and through letters debt validation. The debt is past XXXX it was also acquired in the state of XXXX  and I now reside in the state of XXXX. I got a letter in my email on XX/XX/XXXX saying I owed {$6200.00}. I called multiple time in the comings days and weeks to dispute and verify and they have not been able to provide the documents to satisfy the debt validation. They sent me a supposed validation letter on XX/XX/XXXX and didnt have information needed to satisfy. I sent a letter for the to validate/verify the debt on XX/XX/XXXX including the information they need to provide to satisfy it and they could not. They also sent me a letter on XX/XX/XXXX saying they are going to sue me. I sent a letter of notice and demand XX/XX/XXXX if they can not validate/verify I request the forgive the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 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: GA

Complaint narrative:
this company is reporting fraudulent inaccurate information on my credit report. I have requested they provide the agreement/contract.

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 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
I sent a bill of exchange to XXXX XXXX for {$690.00} which they received. They responded back to me with a letter which is included. This letter they sent me is not in my file according to them. XXXX rejected my coupon tender of payment stating and I quote " Please be advised per your terms and conditions of the account we do not accept any form of conditional endorsement. All forms of payments must be made from an XXXXXXXX XXXX in Us funds. '' I asked them to provide me per terms and agreement where can I find where they can't receive Conditional endorsement. Their response was it's not in the terms and agreement. I talked to XXXX at Concora Credit and she disclosed this information to me.Therefore if it's not in their terms and agreement, the tender of payment I sent them is valid. 

According to UCC 3-603 ( b ), " If tender of of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of the indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: DE

Complaint narrative:
On XX/XX/2024, American Express notified me of changes to my XXXX XXXX XXXX XXXX account ( ending XXXX ). The credit limit was reduced to {$6700.00}, and a Preset Spending Limit of {$7400.00} was imposed. The reason given was that the average of my recent payments, in relation to the balances on my American Express accounts, was considered too low. 

These changes have significantly restricted my ability to use the card for business expenses, despite my consistent efforts to maintain all accounts in good standing. Additionally, the imposed spending limit and reduced credit line have added unnecessary financial stress, as payments I have already made were not acknowledged in the evaluation.

American Expresss actions across multiple accounts, using similar adverse measures, appear to be coercive efforts to extract additional payments beyond what I had already tendered. I request a review and reversal of these changes to restore the original terms of my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report, as I have a letter from the court confirming it should not be reported. Additionally, an unauthorized third party is involved, which only adds to the seriousness of this situation. I do not consent to any fraud alerts being added to my file. I did not authorize, benefit from, or consent to any of the listed accounts from these companies. Please block and remove them immediately, as I have no knowledge of these accounts due to the XXXX and XXXX data breaches. All matters will be investigated by the CFPB and FTC. According to FCRA 605B, this information must be blocked until the investigation is complete.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is my personal submission. A review of my credit record revealed late payment entries. I sent letters about this over 30 days ago but have received no response, nor any satisfactory validation. I'm seeking your help to resolve this issue.

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