vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

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 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Called to speak with a supervisor on the grace period for making my payment, the company has called 3 days in a row to harass me about making the payment and telling me I OWE them the amount IMMEDIATELY, and that I am delinquent even with a grace period. They have called over 4 times every two hours to harass me even after I paid it and tried to give them the confirmation number.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im honesty stumped. Regardless of how many times I claim to be the individual writing this letter it seems this messages is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. These items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 obtaining information under false pretenses that any person who knowingly and willfully obtains information information on a consumer from a consumer reporting agency under false pretense shall be fined under title 18 United States Code, imprisoned for more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous of Irrelevant ( A ) a consumer reporting agency may terminate a re investigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent non compliance ( 15 U.S.C, 1681o ) Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure : and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of item which Is UKNOWN to me : XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$600.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} and XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$150.00} ; Inquiries : XXXX Inquiry Date XX/XX/XXXX and XXXX XXXX Inquiry DateXXXX

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
My personal information was stolen in. 2021, since then I have been seeing a lot of unauthorized inquiries and accounts. In accordance the Fair Credit Reporting act multiple unauthorized Inquiries have been on my credit report, please Investigate and Remove all inaccurate Inquiries I have listed immediately, the following includes : XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX XXXXXXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXXXXXXXXXX XXXX Inquiry : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
My Mother sent a Vanilla Visa card three years ago that got misplaced and was recently resurrected. The value is {$50.00}. The issuer is XXXX XXXX XXXX. I first was declined in XXXX XXXX, and recently was declined in both XXXX and XXXX. Without looking at the card, they told me it was expired in the computer. On the face, the card shows it expired in XX/XX/2021. However, after contacting XXXX and spending numerous hours on the phone, I was told the card was just fine, and was activated and ready to use. After the declinations, I finally contacted Visa Consumer Complaints who told me they weren't responsible for their " issuing financial institutions ''. Today ( XXXX XX/XX/XXXX ) I checked online and the balance is still {$50.00}, but the status says " on Hold ''. XXXX dollars doesn't mean much to the average American, but for my elderly Mother it is real money. I appreciate any help you can render. Thanks. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act, these companies has violated my rights : XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX account number XXXX XXXX  account number XXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX account number 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-06-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA

Complaint narrative:
I have a Marcus savings account for many years now. But recently moved outside the US and started to slowly withdraw my money from the account. Recently, in the middle of a transaction they blocked my account for unknown reasons/ it has been more than 7 days. I called many times and no one is able to help me promptly or to give me a reason about what's going on. I called multiple times and all I hear is the account is under review. I have all my savings in there and it's an absurd that they take this long to tell me what's going on. I depend of that money to pay my credit card account and it's extremely concerning that they take this long to analyze it. I wonder what they will do with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NY

Complaint narrative:
I currently have a mortgage with Cross Country Mortgage LLC, I received a check from my home insurance company for a claim that damaged my kitchen. It had both my name and the the mortgage company on the check so it needed to be endorsed by the mortgage company. I sent the check to Cross Country and was told it would be mailed back in 5-7days. Since I was told that, I had the contractor complete the work. Well after several calls of them lying every time, the check has still not been mailed out. They received it on XX/XX/XXXX ... .Now they are saying I should receive by XX/XX/XXXX ... .how can I even believe them as they lied every time I call. I have a contractor waiting for a lot of money that I can't pay without that check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am very disturbed to find public records on my credit report without any apparent reason, and I can not tolerate this. I request you to eliminate these records and update my credit report accordingly.

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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/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 2023-06-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XX/XX/XXXX I request to have PMI removed from my mortgage due to the home equity exceeding 20 % of the XXXX ratio. In XXXX PNC responded asking me to provide justification of the increase in my home value and a check for {$100.00} for a XXXX XXXX XXXX. The check was received on XX/XX/XXXX and cashed on XX/XX/XXXX. On XX/XX/XXXX, PNC mailed me a letter stating that the price increased to {$150.00} as of XX/XX/XXXX. I contacted PNC to ask why the price increase applies to me since I submitted my request and my check was cashed before the new price went into effect. I called XXXX more times during XXXX and XX/XX/XXXX and each time was told someone would call me back to explain. I never received a return phone call. Finally on XX/XX/XXXX I called and demanded to speak to someone right then that could explain since no one had ever called me back. I was told that the PMI department does not speak to customers which is why no one called me back. They did not explain why I was told I would receive a call back. The customer service rep I did talk to said that it did not matter when I submitted my request or when it was processed ; at any point if the price changes they can cancel my request and require that I restart the process and pay the higher fee. That is misleading and deceitful to allow a mortgage company to change rates at any time and make them retroactive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX and XXXX XXXX, XXXX XXXX Inquiry Date XX/XX/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 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, 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:
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Frontline Asset Strategies, LLC
State: UT

Complaint narrative:
The issue is with XXXX and not the collection agency. I was in Nevada in my RV staying at an RV park. The parks internet did not work so I went across the street to XXXX  where I purchased wireless internet for my RV. The rep that helped me said she has to put the RV park address and not my home address because I was in Nevada. She said once you get home you can go to any XXXX store and update it with your current home address. I did that. I got home and went right to the XXXX store and updated my address with the reps there. 

Months have passed and one morning I woke up to multiple zero balance credit accounts being closed because of a recent collection. I pulled my credit and saw it was XXXX. I called XXXX and they had all the RV park information on file still after I went in and changed it. I was transferred multiple times and after hours and hours and only filipino support, I didn't know what to do. I tried explaining I did what I was supposed to do as a consumer and updated my address. 

I feel I was set up from the very beginning by the sales agent and the incompetent employees at the local XXXX  store. Today I called the collection agency and paid the debt in full. XXXX  needs to be held accountable as they do not even have anybody to speak to or escalate issues like this. I even went in to speak with them in person and they said it was turned over to their collection agency and they could not do anything. This whole situation has been so frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 00:00:00
Product: Credit card or prepaid 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: NAVY FEDERAL CREDIT UNION
State: PR

Complaint narrative:
Subject : XXXX XXXX and XXXX XXXX  Dispute XX/XX/2023 Navy Federal Response XX/XX/2023 : Thank you for using Navy Federal 's eMessaging service. Your documentation has been received and reviewed. To move forward with your claim, we will need a credit acknowledgment or cancellation request. If you have any questions, please contact us at XXXX. 


Your Message XX/XX/2023 : I dispute ALL charges in XX/XX/2023 by XXXX XXXX XXXX XXXX XXXX ) XXXX  ( ~ {$1200.00} + ~ {$290.00} ) for the reasons previously given and supply proof of attempted contact and billing from the XXXX XXXX XXXX which is next door to the XXXX for XXXX XXXX XX/XX/2023. 

In addition, I dispute the ~ {$1400.00} made by XXXX XXXX XXXX  as the space they attempted to rent to me was not suitable for my XXXX XXXX XXXX or any vehicle larger than a compact car File Attachments File Type XXXX XXXX ( XXXX XXXX  ) File Type XXXX XXXX ( XXXX XXXX  ) File Type XXXX XXXX ( XXXX XXXX  ) NFCU RESPONSE : This incident can not be reopened or updated. If you need further assistance, please submit a new question by clicking the Ask A Question tab.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation