vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
The company XXXX I have an account set up with. I had lost my debit card on XX/XX/XXXX  the same day I was paid I sent {$1000.00} to my wife they said that the money was sent but I live with my wife and that money was never received I just need to know where the money went because it ruined my kids XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I have not authorized this hard inquiry on my credit report, this is a result of a crime, the hard inquiry on my credit report is XXXX 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 non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried several times in the past two years to clear up a bogus delinquent account and gave up in frustration with getting the corrected in the credit reporting agencies! I tried again just this week and again I am blocked at step one, verification of identity! Their procedure is so arduous that no normal person can complete it! 

I have completed the forms online, only to be faced with a gauntlet of loan questions about venders going back TWELVE YEARS! Who remembers lenders from that far back?! Of course, that failed, as was clearly intended so on to second step, where I submitted photos of Drivers License, Social Security card, and auto insurance statement that too was rejected, with no reason given! 

Finally called them, went through the who thing again, and finally said my credit details would be sent to me, great! But all I got in the mail was a postcard telling me AGAIN that I had not provided sufficient identification information, PLEASE START THE PROCESS OVER! By sending all the information to them by mail, BUT THEY DID NOT PROVIDE ANY ADDRESS, CONTACT OR REFERENCE NUMBER to allow me to do that!

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 2023-12-27 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: MO

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: OH

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.

has violated my rights. Or a 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 non-monetary relief
Consumer complaint received 2023-12-27 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 firmly maintain that it is unfair for me to bear responsibility for these fraudulent accounts.

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 2023-12-27 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:
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.

has violated my rights. Or a 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 response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I applied online for a Chase Sapphire Visa and received a letter telling me my application was declined for the reasons below, despite having a Chase Proprietary Score of XXXX ( XXXX is the highest possible score ) per the attached letter. I included additional detail on each item. I followed up with a call and an email asking for additional explanations and have not received any follow up from Chase. 

*Past or present delinquent credit obligations with Chase . ( This may have been the case 10+ years ago, but I had a Chase Marriott card for many years and had a perfect record and Chase also holds two mortgages for me with a perfect payment record. There are no delinquencies on my credit report currently. ) *Insufficient or no balance in Chase deposit and/or investment accounts. ( I do not do any banking or investing with Chase. I do not have any active accounts that appear online so there shouldn't be anything in negative standing and I could not find anything in the application materials making banking or investing with Chase a requirement for this account. ) *Length of time since newest credit card is open is too short ( This is legit, I had opened a XXXX XXXX  recently before this but it is in good standing. ) *One or more requests for new credit in the past 12 months ( had the XXXX XXXX  and a new car loan, but being declined for more than one request in 12 months seems excessive. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: KY

Complaint narrative:
On XX/XX/, I issued a notice to Experian to update information regarding this account. However, I recently received notification from Experian on XX/XX/2023, stating that the dispute was complete. Upon reviewing the outcome, it became evident that the instructions provided were not followed as per my clear and conspicuous guidance. 

Federal law expresses that EXPERIAN must have written consent from the consumer to furnish information to their credit report/profile.

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate.

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: KY

Complaint narrative:
On XX/XX/, I issued a notice to Experian to update information regarding this account. However, I recently received notification from Experian on XX/XX/, stating that the dispute was complete. Upon reviewing the outcome, it became evident that the instructions provided were not followed as per my clear and conspicuous guidance. 

Federal law expresses that EXPERIAN must have written consent from the consumer to furnish information to their credit report/profile.

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 2023-12-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: M&T BANK CORPORATION
State: TX

Complaint narrative:
I requested to opt out of my escrow account and the request was not approved. My initial mortgage company ( XXXX Mortgage ) gave me the option of paying my own hazard insurance and county taxes because of the amount of my down payment. It was my understanding that my current mortgage company would honor the same provision of the original loan. Since M & T Bank took over my mortgage I over payed my mortgage by over {$7000.00} the first year ( XXXX ), and my mortgage payments for XXXX went from {$740.00} to {$2200.00}. This is because apparently they are unable do determine the amount of home owners insurance and property tax due at the end of the year. I am willing and able to make my property tax and home owners insurance payment directly to my insurance company and county tax office. Thank you in advance for your kind consideration in this matter. 

XXXX 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 non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: LA

Complaint narrative:
On XXXX XXXX  I was informed via credit report that a collection notification from Credence Resource Management in regards to doing business with XXXX XXXX the amount of {$110.00} and have not given this company consent to disclose my location information this is a direct violation of 15 USC 1692b Acquisition of location information this company should have not contacted me about an alleged debt and furnish it without validation or verification of the debt, I Do not owe to their company without consent of the consumer. This debt is disputed.Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership. FCRA 804 prohibits this company from communication through interstate commerce ( 2 ) not state that such consumer owes any debt ; this is a direct violation under this sub chapter. It clearly states in the Fair Debt Collections Practice Act ( FDCPA ) section 807 ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. I, the consumer gave security interest in principal balance which means the security interest was provided for the individual to secure the obligation. It is according to the provisions and sub chapters of 15 USC 1692d ( 4 ) ( 1 ) to collect or attempt to collect any extension of credit. 15 USC 6802 obligations with respect to disclosure of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ;

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 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: GA

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.

has violated my rights. Or a 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 2023-12-27 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: PA

Complaint narrative:
I am XXXX XXXX XXXX and I am a natural living person. I am writing to dispute certain information present on my credit report, which I believe is inaccurate. This dispute is based on the provisions outlined in the Fair Credit Reporting Act, including 15 U.S. Code 1681a, 15 U.S. Code 1681s-2, and 15 USC 1681a 2 ( A ) ( i ). 

According to 15 U.S. Code 1681a, the definition of a consumer report excludes reports containing information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors.

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion.

Based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation. 

Enclosed are copies of documents supporting my claim for your review. 

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: TX

Complaint narrative:
Duplicated student loan/accounts reported by mohela. 

Accounts were reported/opened on XX/XX/XXXXXXXX  with the highest balance of {$24000.00}. XXXX monthly payment and Last reported on XX/XX/XXXX. 

The second account was also reported/opened on XX/XX/XXXXXXXX  with the balance of {$24000.00}. ( With a highest balance of {$25.00}, XXXX  last reported XX/XX/XXXXXXXX  ) Also the balance due on my student loan is reported incorrect. Last payment being made to mohela in the amount of {$270.00} on XX/XX/XXXX. 

Current/correct balance as of today XX/XX/XXXX is {$24000.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 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: MD

Complaint narrative:
I rented a car with an XXXX rental car company by the name of XXXX XXXX XXXX through XXXX for four days XX/XX/XXXX through XX/XX/XXXX. I paid in full through XXXX. I returned the car as planned on Friday XXXX XXXX at XXXX XXXX  at the designated XXXX airport lot. I filled the gas tank at the airport XXXX XXXX  before returning the car. I parked the car in the XXXX XXXX XXXX half of the lot ( shared with XXXX ) and gave the key to the employee wearing a XXXX XXXX shirt. He said that it was OK and they would email me my receipt. My wife and I then took a flight from XXXX to XXXX at XXXX XXXX. The next day I flew to XXXX XXXX. They have not emailed the receipt to this day. Instead, they claimed that I had not returned the car and charged me an additional day of rental. I reached out to them, they told me that they would investigate what happened, but haven't gotten back to me with an answer since then. I disputed the charge with my credit card company ( Chase ) but they said that unless I had a receipt proving that I returned the car they could not help me. So, I am caught in a XXXX situation. The merchant is not responding and my credit card company is not willing to help. I am attaching the XXXX credit card statement showing the gas charge on the XXXX at the XXXX XXXX  gas station, the XX/XX/XXXX credit card statement showing the rental charge with XXXX, and a statement from XXXX XXXX confirming that I flew to XXXX that day, and my initial booking from XXXX.

Company response to consumer: Closed with explanation