vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year> I went to deposit my finances XXXX check to my account. They took my check and said it would take 7 days to clear and get my funds. We needed this money to pay rent and other important utilities. The check finally cleared and I received a message my account was restricted due to a third party check being deposited. I called multiple times just so they can tell me they can not give me our money until my fianc verified he gave me the check to deposit. I gave them his number and the person wrote the check number but they couldnt verify those were their numbers. Our phone plan is under my name but his caller ID shows his. After that I kept calling and calling, but nothing. Then we decided to go to bank in person with proper identification but still couldnt do anything. He took his id but were told the only way was through phone verification. We are worried because we need that money to pay things off. I tried everything I could do and dont know what to do. My account is closed and they are withholding our money. We cant afford to take another phone line out. I feel like chase isnt trying to help me find another way to Handel this problem. We need help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
Last XX/XX/2024 I tried to contact Experian in reference to incorrect information on my credit report. I can't get through to do it online because they claim that they can't identify me. I have tried to call and the automated system saying that it can't identify me. Then it runs me through different options. Non of the options help and there is no option to speak to a person. There is a great deal of wrong information in my credit report but Experian has made it impossible to dispute 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 explanation
Consumer complaint received 2024-08-16 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I have been asking Experian to record my mortgage payments from XXXX XXXX Bank to my credit report and my wife 's credit report. Time and time again Experian has told me that the problem is with my mortgage holder ( XXXX XXXX XXXX XXXX  I have asked XXXX XXXX XXXX to research this problem many times as well. XXXX XXXX has researched this issue and concluded that they are indeed reporting correctly to all three credit bureaus, but Experian is the only Credit Bureau not reporting my payments. After a third request to investigate this matter by XXXX XXXX, the bank reported to me that the problem was due to Experian not reporting my payments because I did not " Reaffirm MY Mortgage Payment '' after filing XXXX XXXXXXXX Bankruptcy seven years ago. I was advised to contact my Bankruptcy Attorney for advice, and I did contact her. My attorney told me that Reaffirming my Mortgage Payment had nothing to do with my XXXX XXXXXXXX Bankruptcy, Reaffirming payments applied only to XXXX XXXX XXXXankruptcy. My attorney said there was no reason my payments should be blocked from my Credit Report and the payments should be listed just as they are listed on XXXX and XXXX. 

I would also like to find out if there is a way to file a grievance against Experian. I wasted three or four months of payments to Experian. I signed up for Experian XXXX XXXX and it was of no help at all. I would just receive phony notices about my credit score and how it was changing and improving but here was NO CREDIT SCORE! Now Experian will not allow me to file a dispute.

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 2024-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: NC

Complaint narrative:
I had utility accounts fraudulently opened in my name. 

I took the appropriate actions to prove fraud : Police and FTC reports. 

Sent them to all utility companies involved and all collections agencies involved on XXXX XXXX. 

Of the 5 fraudulent accounts all of them have been totally resolved with the utility companies.

One collection agency Transworld AKA TSI is refusing to delete the action against me on one account. This debt collector has hung up on my multiple times since I have received physical mail from XXXX XXXX notifying them to cease all collections actions against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: NY

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 XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-08-16 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: NJ

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. 

And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax 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 2024-08-16 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: CA

Complaint narrative:
XXXX 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 2024-08-16 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX last four digit SS # XXXX todays date XXXX I reviewed my Consumer reports and made a dispute XXXX. 

I recently looked at my credit reports and I noticed you are reporting some late payments that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. 100 % on time thank you I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) I ASKED FOR PROPER INVESTIGATION TO BE DONE AND PROOF TO BE PROVIDED ON THE PROCEDURE OF INVESTIGATION AND RESULTS. 
SINCE PROOF CANT be provided I DEMAND these payments be updated to on time as they should be as I was NEVER Late. 
P.s This is holding me back from getting a new job, and a NEW HOME FOR MY FAMILY Thanks, XXXX XXXX XXXX XXXX XXXX COMPANIES ARE IN VIOLATION OF FAIR CARES ACT LAW USC 1666b timing of paymentsUSC 1681i procedure in case of disputed accuracy USC 1341 frauds and swindles USC USC 1692e false or misleading representation

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 2024-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Fay Servicing, LLC
State: MN

Complaint narrative:
My mortgage has been passed on to Fay Servicing and a deferred balance of {$100000.00} showed up on my statement. I called them and they could not give me an answer as to the breakdown of this cost. The deferred balance will come due when the mortgage is paid off in XXXX. I need to stay in my home, so if I tried to sell I would never make enough money to pay this deferred balance owed. 

History of my Mortgage XXXX had my mortgage and I was trying to get refinanced but they never received my application ( Faxed in many, many copies ) XXXX sold to XXXXXX/XX/XXXX sold to XXXX XXXX XXXX sold to Fay Servicing

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
I wrote formal letters to dispute the accuracy of the information being reported regarding XXXX XXXX XXXX account XXXX partial account number # XXXX. As of XX/XX/XXXX, this account is being inaccurately reported, despite my recent discharge from XXXX XXXX XXXX 

On XX/XX/XXXX, I filed for XXXX XXXX XXXX, case number XXXX, in federal court. The bankruptcy trustee notified all creditors, including XXXX XXXX , about the discharge of my debts. This notification was sent via email to all creditors, informing them of the discharge. 

I officially received the discharge on XX/XX/XXXX. Despite this, the information reported by XXXX XXXX continues to reflect inaccurate details. This incorrect reporting has been verified and marked as accurate by all three major credit reporting XXXX, TransUnion, and XXXX. The continued reporting of this account as active and outstanding, despite the discharge, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The statutory violations related to this inaccurate reporting over the past 12 months could amount to {$36000.00} in statutory damages. Furthermore, this disregard is causing significant emotional stress and severely hindering my ability to obtain credit and support my family. 

Credit Reporting Agencies that I sent disputes letters to XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX TransUnion TransUnion LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already disputed this inaccurate information with each of the credit reporting agencies, but XXXX XXXX XXXX reporting has continued to be verified as accurate, which is incorrect. The account should reflect that it has been discharged as part of the bankruptcy proceeding, and the erroneous reporting must be corrected immediately. 

I have kindly request that XXXX XXXX review remove this account and pay the statutory damages of {$36000.00} FOR ALL 3 CREDIT REPORTING AGENCY. The account information to accurately reflect the discharge status. Please provide written confirmation of the correction to both myself and the credit reporting agencies as soon as possible. 

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving 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
Consumer complaint received 2024-08-16 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: IL

Complaint narrative:
I wrote formal letters to dispute the accuracy of the information being reported regarding XXXX XXXX XXXX account XXXX partial account number # XXXX. As of XX/XX/XXXX, this account is being inaccurately reported, despite my recent discharge from XXXX XXXX XXXX 

On XX/XX/XXXX, I filed for XXXX XXXX XXXX case number XXXX, in federal court. The bankruptcy trustee notified all creditors, including XXXX XXXX XXXX about the discharge of my debts. This notification was sent via email to all creditors, informing them of the discharge. 

I officially received the discharge on XX/XX/XXXX. Despite this, the information reported by XXXX XXXX continues to reflect inaccurate details. This incorrect reporting has been verified and marked as accurate by all three major credit reporting agenciesExperian, XXXX, and XXXX. The continued reporting of this account as active and outstanding, despite the discharge, constitutes a violation of the Fair Credit Reporting Act ( FCRA ). The statutory violations related to this inaccurate reporting over the past 12 months could amount to {$36000.00} in statutory damages. Furthermore, this disregard is causing significant emotional stress and severely hindering my ability to obtain credit and support my family. 

Credit Reporting Agencies that I sent disputes letters to Experian Experian Information Solutions , Inc. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have already disputed this inaccurate information with each of the credit reporting agencies, but XXXX XXXX XXXX reporting has continued to be verified as accurate, which is incorrect. The account should reflect that it has been discharged as part of the bankruptcy proceeding, and the erroneous reporting must be corrected immediately. 

I have kindly request that XXXX XXXX review remove this account and pay the statutory damages of {$36000.00} FOR ALL 3 CREDIT REPORTING AGENCY. The account information to accurately reflect the discharge status. Please provide written confirmation of the correction to both myself and the credit reporting agencies as soon as possible.

Thank you for your prompt attention to this matter. I look forward to your cooperation in resolving 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 explanation
Consumer complaint received 2024-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: AR

Complaint narrative:
XXXX XXXX reported transactions on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is illegal.

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 2024-08-16 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:
n 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 non-monetary relief
Consumer complaint received 2024-08-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I am seeking your assistance regarding this incorrect account listed on my credit report. I am raising this issue because it has harmed my reputation, and I urgently need your help. Your mishandling of my credit report has left me in a difficult position, as the incorrect information has severely damaged my reputation. These inaccuracies must be removed so I can live peacefully with my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-16 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: DISCOVER BANK
State: MA

Complaint narrative:
I have a closed charge-off account with Discover Bank that has charges that I did not authorized. 

I have sent letters to Discover requesting documentation of such account to proof the charges and to this day I have not received any letters from them. 

I sent them a FTC & Police report of such fraud account but they have not take it into consideration and that account is affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-16 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: KS

Complaint narrative:
Im asking for your help to address this incorrect account on my credit report. Im raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.

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 2024-08-16 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: CA

Complaint narrative:
I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards.

Your agency is in violation!

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 ha
s reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief