vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I work as a sales consultant for my company XXXX XXXX XXXX XXXX. I set up a business checking account with my bank JP Morgan Chase. I was told after setting up my account in the bank XXXX XXXX XXXX XXXX XXXX that I would be able to use we pay as an ACH in order to process incoming payments as well as to send out requests to be paid for my services from my clients. 

Upon sending out my first wepay ACH collection, it was accepted and matched with the invoice I had sent to the company XXXX XXXX XXXX. Now they are holding {$2000.00} for 120 days that I need to use to make payments for my rent and my car lease. I was provided no reason as to why the funds were being held nor was I given any notice that they would be withdrawn from my account. 

The payment in question was processed on XXXX XXXX. I received an email on XXXX XXXX from a " XXXX '' from chase integrated payments informing me that I would have my account closed after " Careful Review '' and that after 120 days I would be able to " request '' my money back. 

I had appealed this decision and was told by XXXX XXXX from Chase Bank XXXX XXXX that this should be able to be easily solved once the appeal goes through. I have looked online and found that many other people have come across the same issue. My problem is that I can not wait 120 days to receive my funds. I will be kicked out of my apartment and lose my car by that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NY

Complaint narrative:
There are items on my credit report that are a result of identity theft. See Attached

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 2024-02-06 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: NC

Complaint narrative:
According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix My information was sold and bought illegally because I was a victim of the + Equifax-data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that Equifax has admitted that! was in fact a victim of this data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 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: EQUIFAX, INC.
State: TX

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: NC

Complaint narrative:
Complaint ID : XXXX and XXXX Per these 2 complaint IDs, XXXX XXXX XXXX the Vice President of Compliance for Automated Collection Services , Inc. ( ACSI ) responded to my complaints and he was not accurate in his assessment of my debt, so his company is reporting the wrong debt. He stated in his response that " On XX/XX/XXXX, XXXX XXXX adjusted XXXX XXXX to {$190.00}, and also provided a payment record for a payment of {$63.00}, making XXXX XXXX current balance due {$130.00}. ". This is incorrect upon calling XXXX XXXX on XXXX XX/XX/XXXX they advised my balance was {$63.00} because of returned items being REMOVED, this is why I have been disputing the claim from the onset. I made said {$63.00} payment on the same day NOT the XXXX. If XXXX XXXX would look at the statement he sent me in his response he would see that 2 items Unreturned Emta for {$60.00} and Unreturned XXXX Router for {$76.00} totaling {$130.00}. If he subtracts the {$130.00} from the bill amount of XXXX he will see the remaining balance is {$63.00} which I provided to him as an attached document of the correspondence between XXXX and myself. XXXX XXXX then stated, " Please find attached a copy of XXXX XXXX final account statement and transaction history attached to this response for her records. '' Yes the final bill is from XXXX, not XXXX, also for his records I'm male not a female as he referred to me a " Her ''. Upon his response I contacted XXXX XXXX they stated I now owe {$2.00} for requesting an updated bill dated XX/XX/XXXX. I paid the {$2.00} today XXXX XX/XX/XXXX and proceeded to XXXX ( XXXX XXXX ) in my city and received a copy of the bill showing a XXXX balance which I have attached. If XXXX XXXX would look at this document he will see the {$63.00} as PREVIOUS BALANCE and {$63.00} as RECEIVED PAYMENT which made the remaining balance {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Peak Acceptance, LLC.
State: OK

Complaint narrative:
XXXX and XXXX are attempting to collect a debt that has exceeded the legal time limit. The debt is an auto loan from XXXX that I cosigned for my ex-husband. The vehicle was surrendered in XXXX. After calling them, a call that was recorded and they have referred to in a previous dispute, their representative told me that they had never seen a debt that old before. After disputing the debt, in retaliation XXXX and XXXX have added late payments to my credit report, in XXXX on a XXXX XXXX XXXX debt that has no late payments. 

Last year I had XXXX XXXX that caused XXXX and I don't have very long to live, and what this company has done to me and my credit report has forced me to stay in a rented home in a bad area that is bleeding what little finances I have dry.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: AR

Complaint narrative:
I've been trying for months to remove this account off of my report. This account was not authorized by me. I have recently been informed of being a victim of identity theft. I have also been notified that by reporting these accounts, the companies are in violation of the fait credit reporting act. XXXX, XXXX and XXXX are governed by the FCRA, an according to 15 USC 1681 b ( a ) ( 2 ) clearly states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. It isn't possible for me to give written consent on a account that wasn't open by me. They are also violating the Gramm Leach Bliley Act. Which states that a consumer must be given the right to opt out of their information being reported. No lender ever gives that option. With that being said, I demand that the following accounts be removed from my credit report : PRINCE PARKER AND ASSOCA {$4200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
We were signed up for a credit card by Wyndham. This was the Barclays card. Barclays has sent consistent statements showing that Wyndham was adding balances to this card without our knowledge or consent. We disputed this but Barclays seems to be in league with Wyndham and they have not returned the charges to Wyndham, they just keep us on the hook for the payments.

I didn't want, need, or ask for this card but Wyndham opened it anyway and now the charges on this have gotten way out of hand.

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 2024-02-06 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. 

Account XXXX : XXXX Account XXXX 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 2024-02-06 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: PA

Complaint narrative:
Filed and attempted multiple disputes on XX/XX/XXXX - XX/XX/XXXX hence no reply or action by company. I have filed dispute over inaccurate information listed on my credit report. I have waited over 30 days and tried to Transunion and XXXX a chance to resolve this issue. I filed a re-investigation, and still no lawful response Transunion and XXXX has chosen to violate and ignore the statues of the Fair Credit Reporting Act. I have legal documentation of my attempts to have inaccurate and false information removed. I am respectfully requesting that the disputed and unvalidated information be removed from my credit report, in accordance with the provisions pursuant to Fair Credit Reporting Act 616 ( a ) [ 15 USC 1681n ].

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 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Accounts American Express XXXX Subject : Urgent Request for Deletion of Inaccurate Information Pursuant to the Fair Credit Reporting Act and Defamation Concerns : I am writing to address a matter of utmost urgency regarding the inaccuracies persisting on my credit report, as reported by your agency. I previously communicated my concerns, and despite your claim of having conducted a reasonable investigation, the inaccuracies persist, causing substantial damage to my credit score and resulting in defamation of my name, thereby adversely affecting various aspects of my life.

I have reach out to you and its been over a year In reference to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. Sec 1681i ( a ), I assert my right to dispute and request an immediate correction of any inaccuracies on my credit report. Your continued reporting of erroneous information is not only damaging to my creditworthiness but also constitutes a violation of the FCRA, which mandates the accuracy and fairness of consumer credit reporting. 

The inaccurate information pertains to the following account : Account Number : [ Provide the relevant account number ] Despite my prior request for investigation, your company has failed to rectify the errors on my credit report. In accordance with 15 U.S.C. Sec 1681i ( a ) ( 5 ) ( A ), which requires prompt correction of inaccurate information, I demand that you IMMEDIATELY DELETE the inaccurate information associated with the mentioned account from my credit report.

The perpetuation of these inaccuracies is causing significant harm to my financial standing, and I am left with no option but to insist on the immediate removal of the erroneous information. Additionally, I am concerned about the potential defamation of my name due to the continued reporting of inaccurate data. 
To ensure compliance with the FCRA, I kindly request that you provide me with proof of deletion for the inaccuracies associated with the specified account. You can send the proof to my email address at XXXX and the provided postal address. 
I expect your prompt attention to this matter and a swift resolution in line with the FCRA guidelines. Failure to comply may result in legal action being taken to protect my rights under the FCRA. 
Thank you for your immediate attention to this matter. 
Including the requested documents, to my attention at XXXX and the address provided above. 

Your prompt attention to this matter is greatly appreciated, and we anticipate your cooperation in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon checking on my credit report, I spotted some unauthorized and fraudulent inquiries that need reporting and correction through your company.

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 2024-02-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: V and H Portfolio
State: OK

Complaint narrative:
Vance and Huffman are attempting to collect a debt that has exceeded the legal time limit. The debt is an auto loan from XXXX that I cosigned for my ex-husband. The vehicle was surrendered in XXXX. After calling them, a call that was recorded and they have referred to in a previous dispute, their representative told me that they had never seen a debt that old before. After disputing the debt, in retaliation Vance and Huffman have added late payments to my credit report, in XXXX on a XXXX XXXX XXXX debt that has no late payments. 

Last year I had XXXX XXXX that caused XXXX and I don't have very long to live, and what this company has done to me and my credit report has forced me to stay in a rented home in a bad area that is bleeding what little finances I have dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 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: NM

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 information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Valor Intelligent Processing, LLC
State: CA

Complaint narrative:
I cancelled our account with XXXX, and they billed a month ahead. I called about this and they refunded. Then they charged us again, said we didn't pay it and sent it to collections. I disputed it with the collection agency with plenty of proof and they never responded. More than 30 days had past and my wife sent an email again that reads : It has been over 30 days since I emailed you requesting that this erroneous debt be corrected. It is your job to respond as to the status, and I can only assume that since I did not hear back from you within the legally allotted time that this has been dismissed. Please respond that this is in fact what you have done. 

They responded back saying we had to contact XXXX. Today, I received another letter from a different collection agency. I will dispute with them as well. 

How can we be sent to collections AGAIN when XXXX AND a different debt collector couldn't prove we owed it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The balance on my Auot loan is incorrect.

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 2024-02-06 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: FL

Complaint narrative:
Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General.

Company response to consumer: Closed with non-monetary relief