vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-22 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: IN

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. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 2024-10-22 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: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
To Whom It May Concern, I am writing regarding my American Express business credit card, account number XXXX, with a balance of {$670.00}. I have previously received a letter from American Express dated XX/XX/2024, acknowledging that a computer error occurred and confirming that I did not owe any balance on my credit card. The letter indicated that the necessary corrections would be made to resolve this issue. 

Despite this acknowledgment, my credit card has been closed, and derogatory marks related to this account remain on my credit report. This is deeply concerning as these errors are the result of a technical issue on American Expresss side, not due to any fault of mine. The closure and negative reporting have significantly impacted my business operations, as I relied on this credit card for essential business expenses. 

The situation arose after my original credit card was stolen, which prompted my request for a replacement. I do not understand why my account has been closed instead of being properly corrected as promised. I respectfully request the following actions be taken immediately : 1. Reinstate my business credit card account and issue a new credit card to replace the stolen one.

2. Remove all derogatory marks associated with this account from my credit report, ensuring that no negative impact remains due to the technical error. 


XXXX. Provide written confirmation that these corrections have been made and that my account is in good standing. 



I have always valued my relationship with American Express and hope to resolve this matter promptly. Thank you for your attention to this issue, and I look forward to a swift resolution that allows me to continue using my business credit card without further disruptions. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I asked Chase bank to file a dispute with a company, which never delivered the product that I purchased in XX/XX/year>. Chase customer service representative told me that they will provide a refund and dealing with company. I did get a refund at the beginning, but Chase charged me again for {$2800.00} without my permission.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-22 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: MI

Complaint narrative:
I am writing to you again regarding a persistent error on my credit report, in which late payments are inaccurately listed. I have previously filed a dispute concerning this matter, but the response I received was neither satisfactory nor conclusive. Furthermore, I have not been provided with any evidence that these late payments actually belong to me. 
The item in question is a late payment reported by XXXX XXXX XXXXXXXX for the account number XXXXThe late payments are reported as being dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I would like to remind you that under the Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681i ), Experian are required to thoroughly investigate disputes and correct any inaccurate information. Additionally, under the Truth in Lending Act ( TILA, 15 U.S. Code 1637 ( b ) ), creditors must ensure that information about the terms of credit, including payments, is accurate and correctly reflected.

Moreover, under 15 U.S. Code 1681s-2, furnishers of information are obligated to ensure that the data they report to credit agencies is accurate. The incorrect late payments should be removed from my credit report, as I have no evidence indicating that these payments actually correspond to my account. 
Therefore, in accordance with the laws mentioned, I demand the following : A new and thorough investigation of the late payments on my credit report, followed by correction of any inaccuracies. 
The immediate removal of any late payment entries that are incorrect or unjustified. 
The provision of verifiable evidence proving that these late payments belong to me, should they not be removed from my 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 explanation
Consumer complaint received 2024-10-22 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: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
Diversified added a collect for XXXX for a fraudulent account .please delete this account this is fraud. I do not have XXXX XXXX I have XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MA

Complaint narrative:
On XX/XX/year>, I was notified via email that my account with Mohela was undergoing a transition to their new platform. Then on XX/XX/XXXX, I received an email that my account was done with the transition and for me to make a new account on their new platform. I had no additional communication regarding the status of my loans during this period. I did not receive any email or letter stating rather or not my account was in administrative forbearance. However, when I logged on to the new platform, I found out my account was in administrative forbearance due to end on XXXX. I called and spoke with Mohela, and the reps confirmed that I was placed in admin forbearance during this time. I also received a letter the day after that call that my forbearance was due to end in 45 days. However, this letter did not specifically state that I was ever in forbearance to begin with and it did not specify what kind of forbearance I was in. In addition, I know from other borrowers who were in the same situation as me got a letter stating they were in admin forbearance, and that those months would count toward XXXX. I spoke to mohela on 3 different occasions since XXXX to request for such letter and each time, the rep said they will put a request in. I have filed 3 complains with FSA and even one with my state congress person, but no one is able to help. I need that letter for my record, so I can use it to apply for loan forgiveness under XXXX. XXXX was supposed to be my XXXX payment. 

I am attaching the only letter I got during XXXX for your reference. This is the letter that informed me of when my forbearance was ending but I was never told that I was in a forbearance to begin with. 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 00:00:00
Product: Credit card — Store credit 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: TD BANK US HOLDING COMPANY
State: MO

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against TD Bank regarding my Target credit card account ( Account No. XXXX ) for {$580.00}. I was the victim of credit card theft, and my card was used for unauthorized transactions. Despite submitting multiple disputes to TD Bank, the bank failed to take any meaningful action to resolve the matter or remove the fraudulent charges. 

After I made several efforts to rectify the situation and get the unauthorized transactions handled, I requested that my account remain open once the disputes were resolved. However, TD Bank proceeded to close my account without warning or any attempt to solve the issue, which has negatively impacted my credit. 

I am respectfully requesting the Consumer Financial Protection Bureau 's assistance to ensure the following : 1. Immediate removal of the disputed charges from my account and correction of any negative information reported to the credit bureaus.

2. Investigation into TD Bank 's handling of my disputes, as I feel the process was inadequate and did not comply with consumer protection standards.

3. Restoration of my Target credit card account, as I had requested that it remain open once the disputes were resolved.

The mishandling of my dispute and the abrupt closure of my account have caused unnecessary stress and damage to my credit standing. I urge the Consumer Financial Protection Bureau to address this matter promptly and ensure fair treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: GA

Complaint narrative:
On XX/XX/XXXX I noticed inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed below. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ALL ITEMS LISTED BELOW ARE : inaccurate information on my credit report. listed accounts needs immediate attention regarding deletion due to fraudulent activity and inaccurate information listed NAME : XXXX XXXX ADDRESS XXXX Saddle XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX EMPLOYMENT : XXXX XXXX XXXX XXXX XXXXDELETE ADDRESSES REPORTED <<<DELETE ALL FRAUD XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fraudulent Accounts listed below please investigate and delete! 

Creditor Information XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Term 24 months Highest Balance Last payment XXXX XXXX, XXXX {$520.00} { Account is not mine please remove FTC police report issued to original creditor Creditor Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Term 120 months Highest Balance Last payment Sep. XXXX, XXXX {$2500.00} { Account is not mine please remove FTC police report issued to original creditor XXXX Reported XXXX XXXX XXXX, XXXX { Account is not mine please remove FTC police report issued to original creditor

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Before opening a checking account for a promotion, I needed to make sure I understand the limitation correctly. The limitation was : You are ineligible for the respective bonus if : You have received a bonus for opening a Wells Fargo Premier Checking account within the past XXXX XXXX 
You have received any other consumer savings offer bonus or promotional rate that required a bonus offer code within the past XXXX XXXX 
I needed to find out specifically, when the 12 months period starts, as it was not clearly and explicitly stated In the clause, compare to other banks, which use the same limitation and clearly state in the clause, when the 12 months period starts ( XXXX XXXX, for example ) ( Exhibit 6 ). 

Today, on XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX, I spoke to XXXX XXXX customer service banker, Premier customer service at : phone : XXXX She did advise that the branch is the best to find out all the details, however, when specifically asked, expressed full confidence that she can explain the interpretation of the clauses, and even stated when asked that I can reference her interpretation as legally binding for Wells Fargo as stated by its representative. 

She clearly, multiple times confirmed on recorded line that the 12 months period mentioned in both clauses STARTS from the day of OPENING of the previous account, I.e. 12 months between the dates of OPENING of the previous account and the next one. The conversation was recorded and can be confirmed. 

I request Wels Fargo to CLEARLY address, whether the statements above made by the Wells Fargo representative mentioned are correct specifically that the 12 months limitation period begins from the date the previous account was opened. 

.

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 2024-10-22 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: TN

Complaint narrative:
To whom it may concern, I never gave Experian any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.

You also do not have any permissible purpose to furnish my personal information to any third party.

THIS IS IDENITY THEFT!!! PER 15 USC 1681Q YOU MUST HAVE WRITTEN INSTRUSCTION TO REPORT THIS ACCOUNT LIST BELOW. IM DEMANDING YOU PROVIDE ME MY WRITTEN SIGNATURE WHERE I GAVE YOU PERMISSION TO REPORT TO MY CONSUMER REPORT TO SHARE MY PERSONAL INFORMATION. YOU RECIEVED MY INFORAMTION FROM A SECONDARY REPORTING AGENCY.

PER TITLE 18 USC 1028A THIS IS AGGRAVATED IDENITY THEFT AND I DEMAND THIS ENITRE ACCOUNT BE DELETED FROM MY CONSUMER REPORT AND FROM YOUR DATA BASE. IM EXCERCISING MY RIGHTS.

As a consumer, I am demanding a deletion of the following account : 1. I was never late on this account. 
XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. ( Under 15 USC 1666B this is a billing error. I was never late.

Please update this to paid as agreed.

15 USC 1681b Permissible purpose 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 accordance with the written instructions of the consumer to whom it relates.

PLEASE SEND ME AN UPDATED REPORT SHOWING THIS ACCOUNT BEING DELETED FROM YOUR DATA SYSTEM IMEDIATELY

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 2024-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2024-10-22 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX please do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
This company said I have a XXXX XXXX account debt from XXXX  they have a different ID # they have it as a DL i only have a XXXX  ID. They called me a week ago very aggressive and cursing at me. Now they sent this letter. I spoke with XXXX XXXX and they assured me this is not correct it's a scam. I have a XXXX XXXX account and a cc with them and it's not through XXXX bank in XXXX ... .XXXX XXXX uses visa through XXXX XXXX They are scamming me and they have my social security number which is against the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
On XXXX XXXX my wife XXXX XXXX gave me a check to deposit into my online checking account with Chase Bank. I have spent hours on the phone with Chase Bank trying to verify this check and was told multiple times that my check was not legitimate and it will not clear with the bank. I am confused because I have contacted all parties ; issuer, banks issuer and they are able to verify this check. I was also told by XXXXXXXX XXXX that the check was already presented and funds were sent. Chase Bank continues to hold funds stating the check is fraudulent. Also they have placed the account on hold and we will not be able to receive payroll checks into this account with no evidence of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-22 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: CA

Complaint narrative:
Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 explanation