vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-01 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: IL

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 has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX XXXXXXXX : # XXXX has violated my rights. 
XXXX XXXX XXXX : # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX # XXXX has violated my rights. 
XXXX XXXX : # XXXX, has violated my rights. 

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 2024-03-01 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:
In regards to : XXXX & XXXX ( all accounts ) I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between XXXX and XXXX my balance is reflecting on Equifax but is completely N/A on XXXX. The c/o status is even reported way more times via XXXX then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for 0 reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In regards to : XXXX & XXXX ( all accounts ) I asked for the contact information specifically whom, when, and how you verified the account as reporting accurate and didn't get it. On top of that I asked you to fix things that were 100 % incorrect just between the 3 agencies alone. For example ( as I sent in the mail ) the date of last activity is wrong between experian and XXXX my balance is reflecting on XXXX but is completely XXXX on Experian. The c/o status is even reported way more times via Experian then XXXX which is another violation in itsself. The above law states after numerous attempts if an account is still inaccurate IT MUST BE DELETED ( You are now in violation of Law 15 usc 1681 Treatment of inaccurate/verifable info section 5A. ). You are harming me and my credit journey, my livley hood, my children 's lives because nothing can be done without great credit now and days. I asked you to verify and fix things and you changed nothing to be 100 % correct. We are all human please act as such! I fell on hard times I kept contact with the bank they even sent me to collections so not only was the debt paid/an asset to the company they kept the negitive account open AND the collections account for 0 reason. It is your job to hold the company accountable and you guys get paid for subprime borrowers horrible scores and I understand everything is about money but you guys are wrong this time!! I request my 1099 and I demand a deletion within 48 hours of this notice, 24 from the notarized one in the mail..whichever is first. I asked for a pay to delete MONTHS AGO and was told " it's paid '' numerous times. Now I will not even engage in that option.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: LEXISNEXIS
State: IL

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 XXXXXXXX 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: TX

Complaint narrative:
A letter was received by I ( XXXX XXXX ) in regards to property taxes that was paid by Flagstar bank to The XXXX, Texas. In the letter, it was stated that not enough was in our escrow account to cover the balance. So we'd be repaying the balance owed, roughly {$5700.00}. 

I contacted Flagstar bank soon after to inquire about making a one time payment of the full balance in order to control our monthly mortgage payment cost. I was told by two different customer service representatives that if I paid the balance in full, my monthly mortgage would go down. 

On XX/XX/year> a XXXX XXXX  cashiers check in the amount of {$5700.00} was issued. Check number XXXX was sent to Flagstar bank on XX/XX/year>. Strict instructions were included with the check to repay escrow balance. with account number XXXX. A note with the check was also included with instructions and details of the amount owed to our escrow. 

On XX/XX/year>XXXX  I checked our Flagstar account to see the check was posted on XX/XX/year>. It was applied to the XXXX and XXXX mortgage payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 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 2024-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Since around XXXX in late XX/XX/XXXX, Chase Bank locked my account and then forcibly closed it on XXXX without providing any explanation for the closure. The first customer service representative I contacted informed me that it would take approximately 15 to 30 business days after the closure for the balance in my account to be sent to my address in the form of a check. However, it is now XX/XX/XXXX, and I still haven't received the check. In the meantime, I have reached out to Chase Bank for resolution over 20 times, but each time I'm told that the check is under investigation, and they refuse to help me get in touch with their legal team responsible for the investigation. Every customer service representative simply replies with, " It's under investigation, and we don't have the authority to contact the legal team. You just have to wait for them to release the check. '' Such responses have left me increasingly desperate during the communication process with Chase, and I believe they have no intention of refunding the balance in my account. The total balance in the account at the time of closure was {$5900.00} ( please find the checking summary in the attachment ), mostly from my payroll and some from transfers between friends for dining and entertainment. While this amount might be insignificant to Chase, it is crucial for me as an XXXX XXXX XXXX who may return to my home country within two years. I continue to rely on this money to support my life within the United States. Chase 's refusal to provide service, forced closure of accounts, and inhumane behavior stand in stark contrast to the notion of " freedom '' in the United States. Therefore, I appeal to promptly retrieve the money rightfully belonging to me from my account and condemn Chase 's unjust and unrestricted withholding of private deposits!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: American Credit Acceptance, LLC
State: CA

Complaint narrative:
I purchased a XXXX  XXXX XXXX XXXX from XXXX XXXX through American credit acceptance and I was told at the dealership my monthly payment with my credit score would XXXX but offered a credit protection on maintenance which made the total monthly XXXX a month. After the maintenance protection fall off my payment should have been XXXX but they said I have to now pay the XXXX for the remainder of the 72 month loan. 
The car was XXXX I was charged XXXX for 72 months at 28 %. I paid XXXX towards the car. I then asked to refinance I was told no. They had me trapped in this bad loan and I asked if I can voluntarily return vehicle because I can no longer afford this rate. They came repossessed the car for non payment. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my TransUnion credit report. My latest credit report shows 15 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and asking for their removal from my 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 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 TRANSUNIONXXXX 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 XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Thank you for your assistance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TX

Complaint narrative:
Kindly update my account this causing me a lot of stress and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: MA

Complaint narrative:
I just leased a car in XXXX  from a Toyota Dealer ( XXXX ). Then the company did not share my credit report. One week later, I received a letter from XXXX XXXX XXXX. The credit report was obtained from Experian. I did not think the report was reflective of my financial credit stance. I attempted to call Experian as was suggested in the letter by XXXX XXXX XXXX. The toll free number ( XXXX XXXX XXXX ) responds with a prerecorded message. The recording provides no option to dispute the score. The recording has two options : to order a report and to report a fraud. It keeps suggesting that it understands that I wish to speak with a person. Yet there is no option to speak with a person or any connection is provided as the next step. 
At the end, it is a dead-end. There is no way to figure out why the score is not reflective of my credit stance. Nor is there ability to speak with a person to get the score corrected if there is a mistake. I believe the toll-free number is there to order a report or file fraud complaint without any human interaction even though XXXX XXXX XXXX XXXX their letter states that I can contact Experian through the phone number provided if there is inaccuracy. 
The upshot is that I feel there in inaccuracy in the report and I can not reach the company to discuss the issue. 
I feel that the public is snowed with their set up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Newport Intermediate Inc.
State: TX

Complaint narrative:
This complaint is for Northlane the company providing me with the prepaid card. On XX/XX/2024 I attempted to make an ATM withdrawal of {$150.00}. There was an issue with the transaction and the ATM did not dispense cash, but my Northlane prepaid account showed that the money had been withdrawn. This was {$150.00} plus a {$3.00} ATM fee. I called XXXX XXXX XXXX ( the owner of the ATM ) and their customer service suggested I contact my bank to dispute the charge. I faxed Northlane the dispute form, per their own customer service instructions on XX/XX/2024. Northlance customer service confirmed they received the dispute form on XX/XX/2024. Northlane informed me it would take XXXX to XXXX  days to resolve the issue. I asked to receive a temporary credit in the meantime, but customer service stated this was something they just didn't provide. I have been following up with Northlane every XXXX  days and they don't have any updates on the progress of the dispute investigation. I started looking online to see if I have any recourse to get my money faster and I came across a government resource that states banks generally have XXXX  days resolve a dispute and provide a credit if the investigation goes past XXXX  days. I reached out to Northlane with this new information and spoke with a supervisor who stated they don't have to follow those laws because they are a prepaid card company and not a bank, and that I would have the wait the entirety of XXXX  days. Now I'm left wondering what other laws they don't have to follow if they " are not a bank ''. Please assist me in anyway you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: UT

Complaint narrative:
XXXX XXXX is reporting an account on Experian that needs to get fixed. They transferred this account to a collection company I have been working with. This is no longer with XXXX XXXX and needs to be removed as they can no longer reflect the true status of the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/2024 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
I Contacted the company LexisNexis after obtaining my Lexis Nexis Consumer Credit Report through a recent request to the company. There was a U.S. Bankruptcy Court item listed on my credit report. Per FCRA 623 ( a ) If a credit reporting agency can not Verify the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. '' Under the FCRA and the accepted STANDARD of XXXX XXXX data field reporting, I challenged the reportability of the unsubstantiated allegations because they are INACCURATE. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), they are required by federal law to verify-through physical verification of my original signed consumer contract and or judgement ( s ) -all accounts and public information that they post on anyones consumer credit report. Otherwise, anyone paying for your reporting services could fax, mail, and email in fraudulent and erroneous account information. I am currently still waiting on physical verification of the accuracy of the Bankruptcy reporting and the information regarding the bankruptcy reporting. Please see the letter that was sent to LexisNexis attached. 

Update XX/XX/24 I contacted the customer service on XX/XX/24 @ XXXX XXXX  because they sent me a letter stating that they could not authenticate my identity but they were lying because I had submitted a copy of my ID and a utility bill to get my consumer report less than 60 days ago ( that is how I was able to dispute the information ). But, I still called them at the number that was on the paper ( XXXX ) XXXX and I have a copy of the phone call because it lasted XXXX minutes and I spoke with a representative and she stated ( after authenticating myself over the phone ; again ) that everything was good and they have everything they needed. They told me that it was a mistake that they sent the letter but disregard it because they already had a copy of my ID and they apologized. This is terrible business and unfair practices that are taking place and I still do not have a resolution to this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-01 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: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/year> 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