vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
According to 15 U.S.C. 1666B, creditors must promptly correct billing errors, which include any charges that a consumer has not agreed to in writing or any other unauthorized charges. Since this account was closed, no new charges should have been reported, and therefore, no late payment should be applicable.

Additionally, 15 U.S.C. 1637A outlines the rights of consumers to have accurate information reported about their credit. This section mandates that creditors provide accurate and complete information to credit reporting agencies. Reporting a late payment on a closed account is a clear violation of this statute. 

Enclosed are copies of my records showing the account was closed and the payment history at the time of closure. I request that the inaccurate information be corrected as soon as possible and that a corrected credit report be sent to me at the above address. 

Please investigate this matter and update my credit report to reflect the accurate status of the account. Thank you for your prompt attention to this matter. 

OnXX/XX/XXXX has reported to XXXX that they've closed a credit line with your account. 

Source : XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : Credit Line Closed by Credit Grantor Balance Date : XX/XX/year> Balance : {$550.00} But then they report it late with a higher balance XXXXXX/XX/XXXX has flagged your account as 30 Days Past Due on XX/XX/year>. 

Source : XXXX Company : XX/XX/XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/year> Balance : {$610.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: CA

Complaint narrative:
According to 15 U.S.C. 1666B, creditors must promptly correct billing errors, which include any charges that a consumer has not agreed to in writing or any other unauthorized charges. Since this account was closed, no new charges should have been reported, and therefore, no late payment should be applicable.

Additionally, 15 U.S.C. 1637A outlines the rights of consumers to have accurate information reported about their credit. This section mandates that creditors provide accurate and complete information to credit reporting agencies. Reporting a late payment on a closed account is a clear violation of this statute. 

Enclosed are copies of my records showing the account was closed and the payment history at the time of closure. I request that the inaccurate information be corrected as soon as possible and that a corrected credit report be sent to me at the above address. 

Please investigate this matter and update my credit report to reflect the accurate status of the account. Thank you for your prompt attention to this matter. 

On XX/XX/year>, XXXX XXXX XXXX XXXX has reported to Experian that they've closed a credit line with your account. 

Source : Experian Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : Credit Line Closed by Credit Grantor Balance Date : XX/XX/year> Balance : {$550.00} But then they report it late with a higher balance XXXXXXXX XXXX XXXX XXXX has flagged your account as 30 Days Past Due on XX/XX/year>. 

Source : Experian Company : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, NV XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( 30 Days Delinquent ) Balance Date : XX/XX/year> Balance : {$610.00}

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 2024-06-19 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: CT

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 2024-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Subject : Formal Complaint and Request for Correction under the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally dispute the accuracy of certain information contained in my credit report and to address multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ) and other related laws. 

1. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) : I have disputed several inaccuracies on my credit report which have been returned as verified without providing the necessary procedures and evidence used in the verification process. This is a direct violation of 15 U.S.C. 1681i, which mandates that credit reporting agencies must conduct a reasonable investigation into disputed information and provide the consumer with the results of the investigation, including the method used for verification.

2. Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) : According to 15 U.S.C. 1681a, a consumer report should exclude information that solely pertains to transactions or experiences between the consumer and the institution making the report. My credit report contains such information, which should not have been included as per this regulation.

3. Violation of the Privacy Act of 1974 : The inclusion of nonpublic personal information in my credit report without my consent violates the Privacy Act of 1974, which ensures the protection and confidentiality of individual records maintained by federal agencies.

4. Violation of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801, 6802, and 6803 ) : 15 U.S.C. 6801 : Financial institutions are obligated to respect the privacy of their customers and to protect

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 2024-06-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
XX/XX/year> - received foreclosure summons - monthly payments {$1200.00} was sent not knowing or notified an increase of {$150.00} totaling {$1400.00} for a new mortgage payment and was mailed the same day. After receiving summons i called Fifth Third Bank and they advised of outstanding balance was due and a cashiers check was sent in the amount of {$5400.00}. Also at the same time sent was XXXX new mortgage payment of {$1400.00} which has been cashed. Because of my uncle having XXXX XXXX people are the co-guardians of estate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I moved from XXXX  to XXXX XXXX XXXX XXXX. Ever since coming out here I've had issues with XXXX XXXX XXXX XXXXXXXX XXXX XXXX, and a hospitality service overcharging me thousands of dollars for something I never used. I'm a 80 % XXXX XXXX veteran. And all my money I get for that is being pulled from me. I bank with Chase bank and I've made disputes with them, but they hardly ever take down what I've told them on the phone. They hang up quite a bit without reason. They say their system never works. One day it took 6 hours for me to get to someone to help me at Chase bank to clear up an issue I was having. I feel I've been taken advantage of incredibly. Chase bank has made claims your money is always protected which it's not because they don't take down what you tell them about your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/year> attempted to contact XXXX XXXX at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Was informed by XXXX XXXX, XXXX XXXX was out of the office. I requested XXXX XXXX to assist me, however, he ignored my request and did not respond. 
On XX/XX/year> attempted to contact XXXX XXXX again by email and by phone at XXXX on his personal line and also the bank line at XXXX with no response. No response so I resent the email on XX/XX/year>. Once again, no response. 
On XX/XX/year>, attempted to contact via email XXXX XXXX XXXX region at Bank of America in XXXX XXXX XXXX The email address I had for XXXX XXXX continued to bounce. I left a phone message for XXXX XXXX with no response, at XXXX and no response On XX/XX/year>, Filed a formal complaint with Bank of America at XXXX and at XXXX with no response. 
I am a XXXX  year customer of Bank of America and retain a considerable sum in my checking account. Need to have someone respond to me ASAP For the record, I am a Senior Citizen with a partial XXXX and Bank of America shows disparate treatment to consumers such as myself as they have removed drive in tellers and various locations of their branches making it extremely difficult for me to go to the XXXX location they have as there are only XXXX handicapped spaces that are never available therefore I must do business via email or phone ( preferably email ).

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 2024-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: CA

Complaint narrative:
In XX/XX/XXXX I applied to and was approved for the SAVE IDR repayment schedule directly through the federal website portal. MOHELLA notified me that my student loans had been placed on XXXX as of XXXX XXXX XXXX. On XXXX XXXX XXXX, MOHELLA sent me a notice that they arbitrarily REMOVED me from my IDR plan - no explanation given. Since then they have been billing me the full balace and interest every month. No savings plans. No income sensitivity. Nothing. I am completely unprotected from MOHELLA 's predatory actions. I am permanently XXXX and well below the poverty line, and my sole income is SSDI and has been since the early XXXX 's. This is purely predatory action or incompetence by MOHELLA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recognize the significance of eliminating any erroneous entries from my credit report, as required by FCRA 605B. Would you mind examining the documents? I've identified several accounts that appear to be inaccurate, and this is troubling to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
My Credit Reports are showing addresses associated with my father who passed away years ago who used my credit and I have sent death certificates and notices requesting they be removed. This issue is attaching debt that doesn't belong to me to my report. 

My only Name should be XXXX XXXX XXXX XXXX date of birth XX/XX/year> ONLY ADDRESS in years XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ONLY Phone number for 11 year ( XXXX ) XXXX Please Remove the following names, addresses and phone numbers Names XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-19 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: TX

Complaint narrative:
My Credit Reports are showing addresses associated with my father who passed away years ago who used my credit and I have sent death certificates and notices requesting they be removed. This issue is attaching debt that doesn't belong to me to my report. 

My only Name should be XXXX XXXX XXXX XXXX date of birth XX/XX/year> ONLY ADDRESS in years XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX ONLY Phone number for 11 year ( XXXX ) XXXX Please Remove the following names, addresses and phone numbers Names XXXX XXXX XXXX XXXX Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX APT XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX CT XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX XXXX Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( 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 2024-06-19 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: UT

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report and request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This Debt has been resolved and yet XXXX XXXX XXXX hasnt removed this account from my credit report! Its reporting on XXXX and XXXX Relevant Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Creditor Name : XXXX XXXX XXXX Account Number : [ Number ] Date Opened/Inquiry : XX/XX/year> Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion.

Supporting Documentation : I have enclosed copies of the following documents to support my dispute Action Requested : I formally request that you : Delete all the disputed accounts on my credit report. 
Ensure that all inaccurate information is permanently corrected and removed. 
Provide me with a corrected copy of my credit report reflecting these changes. 
Refrain from re-inserting any incorrect information unless it is verified as accurate.

Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported.

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 2024-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: INSPERITY INC
State: TX

Complaint narrative:
I'm trying to roll over a XXXX from Insperity and they will not do an ACH or direct transfer of equities. I am being charged {$50.00} for the rollover, which seems excessive. They will only mail me an physical check in 7-10 days. I asked about ways to speed this up, since that is significant time for my money to be uninvested and in transit. They can expedite it for {$50.00}, but it is still a 3 day process. I spoke with them twice on XX/XX/year>. I asked to file a complaint regarding the matter and they gave me an email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-19 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: MI

Complaint narrative:
According to FCRA 605B, I think we're required to delete any incorrect accounts from my credit report. Can you check the documents? There are inaccuracies in the reporting, amounts, and dates of some listed 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 2024-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to dispute the bankruptcy listed on my credit report. I have a letter from the court confirming that this bankruptcy should not be reported. Additionally, an unauthorized third party is involved, making this situation even more problematic.

Company response to consumer: Closed with explanation