vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: RI

Complaint narrative:
In the month of XXXX, I had to emergency move from where I used to live. This required me to have to withdraw funds from my XXXX funds at XXXX XXXX, my job. The amount I requested came in 2 separate checks in which I uploaded to Chase mobile deposit. They flagged 1/2 of the checks and placed a hold on my account. With time, they ended up suspending the checks and closing all the accounts I have with them. 

Over the course of the months, I am still fighting to get access to the money I worked years to earn. At my last attempt, I requested that the representative I spoke to at Chase would escalate my situation to their supervisor which they did after going back and forth about how nothing can be done. I re-explained myself to the Supervisor and they assured me they were going to help. After being on hold for almost 45 minutes, she added me to a 3 way call with XXXX XXXX XXXX XXXX XXXX XXXX who then confirmed that I did withdraw those funds. XXXX XXXX also explained that all specific information on the check itself can be available when they get in contact with XXXX XXXXXXXX XXXX, the bank that disbursed the funds. 

While the XXXX XXXX representative went to retrieve that information about the checks to answer JPMorgan Chase 's questions about the validity of the check, the supervisor told me that they were not willing to wait on hold. They then hung up on XXXX XXXX and advised me to tell XXXX XXXX to have all their information ready the next time I make an attempt. 


After fighting for 5 months for my own funds to released to me, I still have to deal with people that are not willing to do their jobs as part as customer Service. I am willing to submit anything that would prove my job at XXXX XXXX and confirmation of payment of funds sent. The Chase branch members took copies all this information and promised escalation and I haven't heard back for 4 months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: LA

Complaint narrative:
I've reviewed a copy of my credit report and noticed fraudulent accounts. Please remove these fraudulent accounts as it is hindering my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a push notification on my phone saying that my Apple Card ( Goldman Sachs ) had been closed. When I connected with customer support, they said they had no information but that an email about the closure had been sent. The email cited violation of customer agreement, however after reviewing the customer agreement, I had no indication of what violation I had made - the card had never been used for illicit activity, gambling, or fraudulent activities, and I had always made my payments on time and in full each month since opening the card. The customer support agent said he'd open a case, and that it could take up to XXXX business days to resolve. 

Additionally, the high yield savings account I had opened via the Apple Card was locked, and I am unable to withdraw or transfer the funds. I connected with customer support again on XX/XX/XXXX, who was unable to provide any information outside of " the account is being closed. '' I was given the option to receive a check, or have them open a case to enable me access to the account for the purposes of transferring the money. I opted for the latter, because I was scared of the check getting lost in the mail. 

No one at XXXX - Goldman Sachs has been able to provide me with the cause of closure of my Apple Card or the restriction of my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ; acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Disputing error [ XXXX ] on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on XXXX XXXX, XXXX, & XXXX  XXXX report : Credit report information to identify account status : INCORRECT XXXX XXXX XXXX XXXX ; acct # XXXX Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the conversations my insurance carrier and auto loan agent refused to hold regarding my insurance carrier at the time of the accident, that claim was reported totaled, ensured that a timely payment of loan amounts due would be included in insurance claim. Representatives from insurer was not precise and accurate with responsibility to maintain timely payments. This lack of communication resulted in the reporting of payments late, and subsequently charged off ; when the account should have been listed as, " CLOSED ACCOUNT, '' after deferment contingencies were not offered, even after insurance adjuster submitted reports. 
- The report shows proof your company that have already been repaid. 
- The date of next reporting cycle on my report will reflect five years from the time of initial defer request of totaled vehicle. 
- Since having this automobile disaster, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, 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 2024-06-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ; acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Re : Disputing error [ XXXX ] on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on XXXX Equifax, XXXX, & XXXX XXXX report : Credit report information to identify account status : INCORRECT XXXX XXXX XXXX XXXX ; acct # XXXX Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the conversations my insurance XXXX and auto loan agent refused to hold regarding my insurance XXXX at the time of the accident, that claim was reported totaled, ensured that a timely payment of loan amounts due would be included in insurance claim. Representatives from insurer was not precise and accurate with responsibility to maintain timely payments. This lack of communication resulted in the reporting of payments late, and subsequently charged off ; when the account should have been listed as, " XXXX ACCOUNT, '' after deferment contingencies were not offered, even after insurance XXXX submitted reports. 
- The report shows proof your company that have already been repaid. 
- The date of next reporting cycle on my report will reflect XXXX years from the time of initial defer request of totaled vehicle. 
- Since having this automobile disaster, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ; acct # XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Re : Disputing error [ XXXX ] on credit report Dear XXXX XXXX, I am writing to request a correction of the following information that appears on XXXX XXXX, XXXX, & XXXX XXXX report : Credit report information to identify account status : INCORRECT XXXX XXXX XXXX XXXX ; acct # XXXX Dates associated with item being disputed : FROM XX/XX/XXXX until XX/XX/XXXX. 

Explanation of item being disputed : Due to the conversations my insurance carrier and auto loan agent refused to hold regarding my insurance carrier at the time of the accident, that claim was reported totaled, ensured that a timely payment of loan amounts due would be included in insurance claim. Representatives from insurer was not precise and accurate with responsibility to maintain timely payments. This lack of communication resulted in the reporting of payments late, and subsequently charged off ; when the account should have been listed as, " XXXX ACCOUNT, '' after deferment contingencies were not offered, even after insurance XXXX submitted reports. 
- The report shows proof your company that have already been repaid. 
- The date of next reporting cycle on my report will reflect XXXX years from the time of initial defer request of totaled vehicle. 
- Since having this automobile disaster, I have had costly ( financially, and non-financially & economically ) expenses to secure proper transportation and the associated fees of acquiring, registering, and insuring transportation. 
- This circumstance started a web of circumstances affecting my credit worthiness, standing, and creditability. The information needs to be accurate and updated. 

Please ensure the accuracy of this situation is recorded and reflected on all personal and business credit reporting bureaus. 
Thank you for your assistance. 

Sincerely, 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
Consumer complaint received 2024-06-29 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: AL

Complaint narrative:
XXXX XXXX XXXX  is reporting an inaccurate payment history. XXXX is showing payments that Experian is not.

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 2024-06-29 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: LA

Complaint narrative:
I recently reviewed my credit report and noticed fraudulent accounts. Please remove these accounts as it is hindering my ability to obtain credit.

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 2024-06-29 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

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

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

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 2024-06-29 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: PA

Complaint narrative:
I am writing as a final attempt to address a serious and ongoing issue regarding the unauthorized dissemination of my personal information by XXXX to credit reporting agencies, including Experian, XXXX, and XXXX. Despite previous communications, XXXX has failed to rectify the unauthorized reporting of my information, in direct violation of the Fair Credit Reporting Act ( FCRA ). 
As stated in my previous correspondence, XXXX did not obtain my written permission to provide my information to these credit reporting agencies. The FCRA explicitly requires written consent from individuals before consumer reporting agencies can furnish their information to third parties, except under specific permissible purposes outlined by the law ( 15 U.S. Code 1681b ). I have never given such consent to XXXX. Despite my previous demands, the unauthorized information remains on record with the credit reporting agencies. This continued violation of my consumer rights is unacceptable. I have filed multiple complaints with the Consumer Financial Protection Bureau ( CFPB ) to address this issue, referenced as follows : CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
CFPB Complaint XXXX : Credit reporting, Problem with a company 's investigation into an existing problem, XXXX XXXX XXXX XXXX XX/XX/year>, Closed, Company responded. 
Furthermore, I have received confirmation from the Bankruptcy Court, dated XX/XX/year>, clearly stating that they do not provide information regarding case filings or dispositions to credit reporting agencies. This confirms that the bankruptcy information being reported by these agencies has been obtained without proper authorization or validation. Therefore, I demand that XXXX XXXX XXXX immediately cease and desist from providing any further information about me to credit reporting agencies without my explicit written consent. Additionally, I request that all unauthorized information already provided to these agencies be promptly deleted from their records.

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 2024-06-29 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: LA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: LA

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.

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 2024-06-29 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: TN

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

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-29 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: OH

Complaint narrative:
I recently reviewed my credit report and noticed the following credit card companies and loan companies on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX whom I've never established any kind of business with. I have also included multiple inquires in my credit report that needs removed, as I have never gave these companies permission to run my credit report. I have included the accounts and all inquiries to my Identity Theft 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 2024-06-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I submitted an application back on XXXX XXXX for discharge of my private loan. Per an email, that was received from Navient on XXXX XXXX informing that I could qualify based on school misconduct. However, I received a denial letter on XXXX XXXX saying that I didnt qualify. However, I supplied documentation showing that my federal loans were discharged with XXXX XXXX. The XXXX XXXXXXXX XXXX XXXX XXXX XXXX in the lawsuit for school with misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-29 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: NY

Complaint narrative:
I have always maintained an impeccable payment record with the company, with all my payments set up on Autopay. This reported late payment is due to a system error on their part during payment processing.

This billing error by the company does not reflect my payment history and violates USC Code 1681eb. This mistake has severely impacted my reputation, character, lifestyle, and my family.

I insist that the late payment listed in the MONTHS REPORTING LATE be removed immediately.

The company is not complying with 15 USC 1666b, which outlines the standards for treating a payment as late. They incorrectly reported my payment as late without following the law.

15 USC 1666b ( a ) specifies that a creditor can not consider a payment late unless reasonable procedures ensure that the periodic statement, with required information per section 1637 ( b ), is mailed or delivered to the consumer at least 21 days before the payment due date.

The company failed to send the periodic statement and disclosures as required by section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the due date in good faith under rule 1002, but it has never been provided.

This situation is unfair, illegal, fraudulent, and unjust to me as a consumer.

I demand the removal of the late payments from my consumer reports.

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