vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 

The following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  - XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report or no longer contains any fraudulent information. 

Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children. These collections were eliminated and not verified by others bureaus. I dont understand how they usually say that these accounts are mine. 

I have requested contracts from this company with my information and for more than 60 days have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation. 

Thank you.

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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE 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 2024-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Selene Holdings LLC
State: WA

Complaint narrative:
The Company is Selene Finance. I have a loan of {$300000.00} with them. We did a refinance on our Home that was paid for free and clear. Brand New Custom Home with an appraised value of {$970000.00}. I have sent in numerous requests ( probably close to 50 ) by email and on the phone and get nothing but the run around, .Finally today XX/XX/year>. I spoke directly to someone named XXXX in the Escrow Dept, ( I should note that I received a letter over a week ago denying my request due to the XXXX was over 80 %. That is not true it just over 30 % ) Upon speaking to them today, they said well your loan amount is {$300000.00} and your balance reflects only one payment made so yes my XXXX is based on that. My Loan Officer says what they are doing is Illegal. 
I will include payments that I had to make on my XXXX XXXX as well as my taxes as they DID NOT pay as well as the documents from my loan officer showing I am nowhere near 80 % XXXX, and yet refuse to return my Escrows. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: NC

Complaint narrative:
" I reviewed my consumer report and previously informed your agency on XX/XX/year> about several disputed items. Despite this notice, the issue remains unresolved in a manner that violates my rights under the Fair Credit Reporting Act ( FCRA ). I included an FTC Identity Theft Report and have also filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding these items. 
"

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 2024-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Via the CFPB portal, on XX/XX/year>, under Comsumer Law, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I requested the original leasing agreement, in which Pro Collect is alleging a debt I owe to the Creditor, XXXX XXXX XXXX XXXX XXXX 

Via the CFPB portal, on XX/XX/year>, Pro Collect responded to my complaint. However, they did not adhere to the law ; they did not provide the original leasing agreement, in which they are alleging I owe a debt to the Creditor, XXXX XXXX XXXX XXXX XXXX 

Under law, the burden of proof is on Pro Collect to show and prove the claim they are alleging.

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 2024-11-14 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i WOULD LIKE TO DELETE THE FOLLOWING ACCOUNTS AS SOON AS POSSIBLE BECAUSE THEY DO NOT BELONG TO Me XXXX  XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXXXXXX XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX XXXX & XXXX ( XXXX ) OPENED XXXX/XXXX/XXXXXXXX XXXX XXXX  ( XXXX ) OPENED XX/XX/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 2024-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have made numerous attempts ( starting in XXXX of this year, continuously through XXXX ), included letters of instructions, notarized power of attorney 's and made countless calls to JPMorgan Chase in an effort to resolve this matter, however JPMorgan Chase refuses to abide to the law in the acceptance of indorsed negotiable instruments to be credited against my account held by the United States Treasury and apply those credits against my balance ( currently in the amount of {$12000.00} ). They continue to deny receiving the payments even though I have signed mail receipts and is sent registered mail. When provided that information they then somehow " locate '' the payment, but then claim it was destroyed, stating they do not accept that " form '' of payment. UCC 3-603 ( b ) clearly states if tender of payment is refused by a person entitled to enforce the instrument, that there is discharge. In addition, all commercial instruments such as promissory notes, credit agreements, bills of exchange and checks are defined as legal tender, or money by the statutes such as 12 USC 1813 ( l ) ( 1 ), UCC 1-201 ( 24 ), 3-103, 8-102 ( 9 ), 9-102 ( 9 ), ( 11 ), ( 12 ) b, ( 49 ), and ( 64 ). Pursuant to HJR 192, Public Law 73-10 and Title 31 USC 5118 prohibits banks/creditors from demanding specific specie of payment. All banks must process lawful United State Currency. Failure to do so is " interference with commerce '', a felony under the RICO Act, 18 USC 1951. Since JPMorgan Chase believed my payments had lawful reason to dishonor, they were required to return to the agent " me '', with lawful reason fully stated and citied, sworn under unlimited liability. This was not done by JPMorgan Chase and why I am filling a complaint to the FTC under FDCPA, 15 USC 1692a1. The latest payment ( tracking number XXXX ) has also been sent to XXXX XXXX of XXXX XXXX, listed as TRUSTEE for JPMorgan Chase on their latest XXXX XXXX  filing and XXXX has failed to respond or comply under the same laws and codes as JPMorgan Chase. In summary, JPMorgan Chase failed to fully disclose when opening my account, which is breach of contract and nullifies the contract and is an additional account of fraud being committed by their business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXXXXXX XXXX account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute.

Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my XXXXredit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, 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 2024-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments on XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX mortgage account, reported by TransUnion. I previously filed a dispute regarding these discrepancies, yet no corrections have been made to reflect the accurate payment history. This letter serves as a second dispute request, and I am asking for a full investigation in compliance with the Fair Credit Reporting Act ( FCRA ), as per 15 USC 1681i ( a ) ( 1 ) ( A ), which mandates that credit reporting agencies must conduct a thorough investigation upon receiving a consumer dispute. 
Summary of Discrepancies Upon reviewing my payment records, I found no late payments on this account, yet each bureau reports different late payment dates : TransUnion and XXXX report late payments in XXXX and XX/XX/XXXX, as well as XXXX, XXXX, and XX/XX/XXXX. 
XXXX shows XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
These discrepancies violate the FCRAs accuracy requirement and negatively impact my credit score. Therefore, I request a full investigation of these entries and a correction to accurately reflect a Paid As Agreed Never Late status.

Request for Documentation and Investigation Process Pursuant to 15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a detailed description of the investigation process your agency conducted for this dispute, as required by the FCRA. Additionally, under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), I request that all transactional information regarding this account be reviewed for accuracy.

Furthermore, please provide in writing the procedures in place, as per 15 USC 1666 ( b ), ensuring timely issuance of periodic statements. Should your agency be unable to provide valid evidence of these late payments, I demand that the account be updated to Paid As Agreed Never Late. In the absence of verifiable proof, I expect immediate rectification to maintain the accuracy of my credit report.

Reference to PAANL ( Paid As Agreed Never Late ) Given my record of consistent on-time payments, this account should reflect a Paid As Agreed Never Late status. This correction is essential to accurately represent my commitment to financial responsibility.

Thank you for your prompt attention to this matter. I expect a resolution aligned with the legal obligations outlined by the FCRA, the Consumer Protection Act, and the Truth in Lending Act. Please respond within the FCRAs specified 30-day timeframe. 
Sincerely, 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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XXXX the XXXX I deposit cash and my girlfriends check ( which is drawn off a Chase business account ). The bank placed a hold on my account and debit card. After answering several of their text messages they stated that they were closing my account and could not say why. I was told to go into a branch. I did that and they only released {$500.00} of the {$2000.00}. As of today they have only released an additional {$1000.00}. They are holding the remaining {$500.00} that was the amount of the check. This check was issued by a real-estate company. I have contacted them and they provide proof the check has cleared their account. Chase says that the account is closed as of XXXX but will not be able to release the check.. They have contacted the realtor office and knows that the check is good.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-14 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: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
This company did a soft credit pull on my report without my knowledge or consent. This notice is to inform you that Amsher Collections are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 51028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I have sent the same letter to company without a response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-14 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: FL

Complaint narrative:
I am writing to formally notify you that I am a victim of a data breach, which has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts be blocked and deleted from my credit file immediately : Unauthorized Accounts XXXX. Creditor : XXXX o Account Number : XXXX o Date Opened : XX/XX/year> o Balance : {$2800.00} XXXX. Creditor : XXXX  o Account Number : XXXX o Balance : {$30000.00}

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 explanation
Consumer complaint received 2024-11-14 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX XXXX XXXX XX/XX/year> Trans Union XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX # XXXX XXXX, MA XXXX Subject : Demand for Verification and Deletion of Information To Whom It May Concern, I am writing to formally address the violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( a ) ( 1 ) ( A ). Under this section, you are required by federal law to verify any accounts listed on my credit report through a valid verification process, including the original signature of any contract associated with these accounts. 

Failure to provide this verification could lead to unauthorized individuals potentially using your services to dispute or manipulate accounts fraudulently. It is crucial that you take this matter seriously. 

Furthermore, according to Section 611 ( a ) ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified. The law is clear regarding civil liability and the remedies available to me for negligent compliance, including the potential for litigation. 

I want to make it known that I am a litigating consumer and fully intend to pursue legal action to enforce my rights under the FCRA if you fail to comply with these requirements. I expect a response to this letter within 30 days, including the verification of the disputed information and confirmation of any deletions made. 

Thank you for your immediate attention to this matter. 

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 2024-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
COMPLAINT AGAINST EARLY WARNING FOR VIOLATION OF FCRA SECTION 611 ( a ) ( 5 ) ( B ) I PREVIOUSLY DISPUTED A TRUIST SUNTRUST ACCOUNT WITH EARLY WARNING WHICH WAS FOUNS TO BE INACCURATE AND SUBSEQUENTLY REMOVED. HOWEVER, THIS ACCOUNT HAS BEEN REINSERTED INTO MY CREDIT REPORT WITHOUT ANY NOTIFICATION FROM EARLY WARNING WITHIN THE REQUIRED 5 BUSINESS DAYS. THIS ACTION IS IN DIRECT VIOLATION OF THE FCRA SECTION 611 WHICH MANDATES THAT CONSUMERS MUST BE NOTIFIED IF PREVIOUSLY REMOVED INFORMATION IS TO BE REINSERTED INTO THEIR CREDIT PROFILE. THE LACK OF NOTIFICATIONHAS CAUSED UNNECESSARY STRESS AND POTENTIAL HARM TO MY CREDIT PROFILE.I HAVE ALREADY CONTACTED EARLY WARNING REGARDING THIS MATTER WITH NO HELP SO THEREFORE I AM SEEKING YOUR HELP WITH THIS MATTER SINCERLY XXXX XXXX

Company response to consumer: Closed with explanation