vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Contacted Chase bank regarding a wire transfer to a false account. They refused to check the account or give me any information of it's validity.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I contacted Affirm after reviewing upcoming payments for orders placed on XXXX. As I checked each billing date ( per month ) I noticed that each transaction or order was the same order repeatedly for XXXX. I contacted Affirm 's customer service and spoke with XXXX ( a supervisor ) and before this an agent named XXXX, both working from XXXX XXXX, therefore there was a language barrier. XXXX continually interrupted my questions and seemed very annoyed when she couldn't answer my questions. I attempted to explain that I could not see the actual orders I was being billed for via the Affirm app nor on their website using the order numbers provided. I then requested a supervisor, XXXX and I advised him that I was concerned because I didn't know what I was being billed for and needed clarification. XXXX became irritated as well and advised I contact XXXX for the information. I advised XXXX that the order numbers ( XXXX and amount {$550.00} ) Affirm provided did not reflect nor correlate with any orders associated with XXXX, therefore I was referred to Affirm for clarification. My concern is that I can not speak with anyone at Affirm who can clarify what's going on with my orders and Affirm payment schedule. I track my spending and purchases but I'm unable to assess what's going on with Affirm. Both the Affirm App and website are poorly developed, and customers are unable to clearly understand accounts, info etc associated with purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: I.C. System, Inc.
State: CT

Complaint narrative:
I am filing a complaint against IC System due to their failure to respond to my debt verification request in a timely manner, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
On XX/XX/year>, I sent a dispute letter to IC System via USPS-certified mail with tracking number XXXX. The letter was delivered on XX/XX/year>. In my letter, I requested the following information : a copy of the contract, as I need to understand the terms of the alleged debt ; a copy of the purchase agreement, as I question whether IC System actually owns this debt ; and account statements, including the last statement showing a XXXX balance and all subsequent statements up until the point where the amounts owed reached {$150.00}, {$640.00}, and {$560.00}, so I can understand how the charges were calculated. 
As per the FDCPA, a debt collector is required to provide the requested information within 30 days of receiving a dispute. To date, I have not received any response from IC System. This lack of response constitutes a direct violation of the FCRA and FDCPA, which mandate that debt collectors must provide verification of the debt upon request.

I am including a copy of my dispute letter sent to IC System on XX/XX/year>, and the USPS-certified mail confirmation showing the letter was delivered on XX/XX/year>, as evidence of my claim.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ProCollect, Inc.
State: FL

Complaint narrative:
1 ) I have never resided at the alleged Apartment 2 ) I called and spoke to several collection agents that hung up on me 3 ) I requested a letter of verification and it has been more than 30 days with no response.

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 2024-08-05 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
In a letter dated XX/XX/year>, you were notified of inaccurate accounts on my credit report and many FCRA violations. A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. I have attached the dispute letter, which is dated, and time stamped.

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 2024-08-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I'm writing to impart my nervousness with respect to the challenged records on my credit report. On different events, I have raised the issue of blunders in these records, and have dependably referenced that they be completely investigated. No matter what my undertakings, I actually really can't get any objective or medicinal action. These wrong records are truly hurting my credit report and disturbing my ability to continue with a customary life. The antagonistic outcomes of these mistakes have caused monstrous challenges for me, and I'm left with no choice aside from to contend for your assistance with remedying what's going on immediately. I humanely request that you direct a cautious assessment concerning the enumerating of all of these challenged records. It is fundamental that the fundamental advances are taken to revive and review my credit report right away. With your help, I want to restore the accuracy and genuineness of my credit record so I could recover control over my money related success. I sincerely request that you offer this matter your most outrageous thought and take a speedy action. Your cooperation and moving in settling this issue rapidly would be tremendously important. Much gratitude to you early on for your appreciation and help.

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 2024-08-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I became delinquent on my mortgage in 2009 due to loss of employment. Chase Bank placed me on a modification plan which the delinquent amount was placed on the back of my mortgage in the amount of $ XXXX. Chase received the $ XXXX from HUD to pay off my late payments. Instead of Chase applying the money from HUD to the late payments, Chase kept the $ XXXX leaving me to pay the delinquent amount on top of my mortgage and still owing HUD. This was a total of $ XXXX. I paid double.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: MI

Complaint narrative:
My account with XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXXXXXX XXXX XXXX XXXXXXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 8

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 2024-08-05 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: TX

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to address specific issues related to the following open consumer credit accounts : 1. ) XXXX XXXX XXXX, account number : XXXX, reported as 30-59 days late for XX/XX/XXXX. 
XXXX. ) XXXX XXXX XXXX XXXX, account number : XXXX, reported as 60-89 days late for XXXX and XX/XX/XXXX. 

This letter serves as my second formal communication concerning these matters. I wish to outline my grievances and demands regarding the actions of TransUnion and its affiliates in this regard. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., my rights to privacy and accurate credit reporting have been compromised. In particular, 15 U.S.C. 1681b ( Section 604 ) stipulates that a consumer reporting agency is prohibited from disclosing information about my account without my explicit, written consent. Moreover, 15 U.S.C. 1666b of the Fair Credit Billing Act mandates that a creditor can not classify a payment as late if it is made in accordance with the agreed-upon billing cycle and terms. Additionally, 15 U.S.C. 6802 of the XXXX XXXX requires that entities maintain rigorous privacy standards regarding the handling and disclosure of personal information. 

It is clear that these statutory protections have not been adhered to in my case. I request an immediate review and correction of the reported information to reflect accurate and compliant reporting. Please address these issues within the next 30 days to avoid further escalation.

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 2024-08-05 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
I'm writing to confer my XXXX as for the tested records on my credit report. On various occasions, I have raised the issue of bumbles in these records, and have reliably referred to that they be totally examined. Regardless of what my endeavors, I quite can't get any goal or restorative activity. These off-base records are genuinely harming my credit report and upsetting my capacity to go on with a standard life. The hostile results of these missteps have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with curing what's happening right away. I compassionately demand that you direct a mindful evaluation concerning the specifying of these tested records. It is major that the key advances are taken to resuscitate and audit my credit report immediately. With your assistance, I need to reestablish the exactness and validity of my credit record so I could recuperate command over my cash related achievement. I truly demand that you offer this matter your generally over the top idea and make a rapid move. Your collaboration and moving in settling this issue quickly would be enormously significant. Much appreciation to you right off the bat for your appreciation and help.

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 2024-08-05 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I demand that the aforementioned fraudulent items be removed from each bureau of 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 non-monetary relief
Consumer complaint received 2024-08-05 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: FL

Complaint narrative:
There is information that on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information to be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 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:
I am writing to address specific issues related to the following open consumer credit accounts : XXXX. ) XXXX XXXX XXXX, account number : XXXX, reported as XXXX days late for XX/XX/XXXX. 
XXXX. ) XXXX XXXX XXXX XXXX, account number : XXXX, reported as 60-89 days late for XXXX and XX/XX/XXXX. 

This letter serves as my second formal communication concerning these matters. I wish to outline my grievances and demands regarding the actions of Equifax and its affiliates in this regard. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681 et seq., my rights to privacy and accurate credit reporting have been compromised. In particular, 15 U.S.C. 1681b ( Section 604 ) stipulates that a consumer reporting agency is prohibited from disclosing information about my account without my explicit, written consent. Moreover, 15 U.S.C. 1666b of the Fair Credit Billing Act mandates that a creditor can not classify a payment as late if it is made in accordance with the agreed-upon billing cycle and terms. Additionally, 15 U.S.C. 6802 of the XXXX XXXX requires that entities maintain rigorous privacy standards regarding the handling and disclosure of personal information. 

It is clear that these statutory protections have not been adhered to in my case. I request an immediate review and correction of the reported information to reflect accurate and compliant reporting. Please address these issues within the next 30 days to avoid further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Although, the XXXX credit reporting agencies, Experian, XXXX and XXXX have removed a {$290.00} XXXX account two times. However, the {$290.00} XXXX account shows up again with a different companies and it is reoccurring on my credit file with all XXXX  companies. Most recently I have found that this account is now with XXXX XXXX XXXX and indicates that it was opened around XX/XX/XXXX, when the errant delinquencies has been removed and reappearing now, XXXX times, since XX/XX/XXXX. Again, these were not services that I received, as I sold and moved to another state in XX/XX/XXXX. XXXX was notified by phone and through my online account that I had sold my home and was moving in XX/XX/XXXX. I did provide tangible information and proof of payment to all XXXX  credit reporting agencies. I am attaching my correspondences in this compliant.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My account with XXXX, XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX, XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports XXXX

Company response to consumer: Closed with explanation