vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-07 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: GA

Complaint narrative:
To whom it may concern, Im am reaching out because, The Fair Credit Reporting Act 15 US Code 1681 section 602 a states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers rights to privacy. Equifax, and XXXX are consumer reporting agencies and I am the consumer. I exercise my right to make certain that my private information isnt shared which is backed by 15 US Code 6801 which states, It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers non public information. 

15 US Code 1681 ( e ) reads, Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under 1681 ( b ) of this title. 

Under 15 US Code 1681 ( 2 ) ( A ) ( i ) Exclusions : Reports containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. 

In addition to that, 15 US Code 1681 ( a ) ( 5 ) says, except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; Any adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. This account is an adverse item they are reporting again without my permission which is against the law. 

*XXXX XXXX XXXX is a financial institution by definition under 15 US Code 6801. 15 US Code 1681 section 604 ( a ) section 2, says, in general, subject to subsection c, any consumer reporting agency may furnish a consumer report under the following circumstances, and no other : In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX XXXX, The financial institution does not have my consent to furnish this information and does not have my written consent. All consent to Equifax, XXXX, XXXX XXXX XXXX wether it be verbal, non verbal, written, implied, or otherwise is revoked. Under 15 US Code 6802 ( B ) and ( C ) states a financial institution may not disclose non public personal information to a non affiliated third party unless - the consumer is given an explanation of how the consumer can exercise that non-disclosure option. XXXX XXXX XXXX never informed me of my right to exercise my non disclosure. 

Equifax and XXXX are not maintaining reasonable procedures. 12 CFR 1016.7 states, A consumer May exercise the right to opt out at any time. I am opting out of your reporting services as of now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: IL

Complaint narrative:
I am writing to complain to EXPERIAN about the reported unauthorized inquiries on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, IL XXXX, and my name is XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint is XXXX.I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights.

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 2024-03-07 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:
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 Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number: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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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:
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 Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number: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 explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: PA

Complaint narrative:
I received a letter from LoanCare saying that my escrow account is short, but it should not be. 
LoanCare issued a disbursement of {$1400.00} to XXXX XXXX on XX/XX/XXXX to pay my property insurance. 
Since the bill was actually due in XX/XX/XXXX the policy had already lapsed and XXXX XXXX refunded the money to me. 
While waiting for the check to be refunded I spoke with LoanCare and was advised I needed to purchase insurance immediately. 
Due to the lapse in coverage my insurance score was too low to purchase a reasonably priced policy from the marketplace and I had to purchase one from XXXX XXXX XXXXXXXX. ( XXXX XXXX would not insure me ). 
I purchased the policy from XXXX XXXX XXXX upfront myself on XX/XX/XXXX. 
I did the application online and purchased the policy after speaking with XXXX XXXX on XX/XX/XXXX. The payment posted to my account XX/XX/XXXX. 
Contrary to what LoanCare states in their letter to me, XXXX XXXXXXXX XXXX did not receive a disbursement from LoanCare because the policy was paid upfront by me. XXXX XXXX has not billed LoanCare. 
The lapse in my insurance coverage was due to LoanCare not disbursing funds in a timely manner. LoanCare blamed XXXX XXXX for not billing them and XXXX XXXX blamed LoanCare because on a phone call from XX/XX/XXXX they told LoanCare the bill was due. 
I reported this incident to the PA XXXX XXXX. 
After investigation XXXX XXXX adjusted my cancellation date from XX/XX/XXXX to XX/XX/XXXX leaving me with a {$340.00} balance due to them. 
In total, the amount that LoanCare disbursed for my property insurance was {$1400.00}. I paid {$570.00} to XXXX XXXXXXXX XXXX for a new policy, and {$340.00} to XXXX XXXX for the final payment on my canceled policy. I have {$520.00} left of the disbursement. 
LoanCare is now stating that due to the insurance disbursement there is a shortage in my escrow account and my tax payment will be late. However, the money in escrow that is allocated for insurance has nothing to do with the money allocated for taxes. Additionally, they did not pay anything to the XXXX XXXX policy so the money disbursed was the typical insurance payment, nothing further. 
LoanCare is also asking that I pay for the lapse in coverage. When they are the ones who let the policy cancel. 
With XXXX XXXX adjusting the cancellation date to XX/XX/XXXX, LoanCare needs to do the same.

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 2024-03-07 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Chase Card is reporting an account on my file that is not mine. It is showing I am an authorized user on an account I do not recognize. I have never given anyone permission to put me as an authorized user on a chase card. This needs to be removed immediately as I never signed anything with Chase for this account and it is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
Upon discovery I see that Jefferson Capital Systems LLC is reporting an alleged debt onto my credit report without an active debt collector license required by the NC Department of Insurance to operate/collect in the state of North Carolina which is a Class 1 felony pursuant to NCGS Chapter 58/Article 70. I am demanding that Jefferson Capital Systems LLC cease all communication & collection activity immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: WA

Complaint narrative:
On XX/XX/XXXX, I applied for an apartment at XXXX XXXX  in XXXX, WA. I put down a {$300.00} deposit to hold the apartment while my background check was being done. A few days later, I was told by XXXX that I was denied the apartment due to my credit and was told that I would get the deposit back " in a few days ''. 

XXXX XXXX : - {$300.00}. 

On XX/XX/XXXX, after contacting XXXX about my deposit on multiple occasions and getting nowhere, I contacted my bank to dispute the charge and the {$300.00} was returned to me. 

Current Balance : {$0.00} Approx. end of XXXX/beginning on XX/XX/XXXX, I received a check in the mail from XXXX for {$300.00}. 

Current Balance : + {$300.00} On XX/XX/XXXX, my bank reversed the initial charge and gave XXXX back the {$300.00} that was held in dispute. This should have zeroed out the account and no one owes any money to anyone. 

Current Balance : {$0.00} However, on XX/XX/XXXX, I was contacted by IQ Data International saying I still owed {$300.00} to XXXX. I responded to IQ Data via the internet and provided proof of my payment. IQ Data replied by a mailed letter stating that the debt was still valid and they " will not be conducting another investigation of the dispute. '' On XX/XX/XXXX, I disputed the debt with XXXX and provided the same information and proof that nothing was due. On XX/XX/XXXX, XXXX said the " debt was valid '' and refused to remove it from my account. 

I called IQ Data to attempt to settle the discrepancy but the person on the phone refused to listen to anything I said other than wanting me to pay for it. When I asked about the dispute, she told me it was another department. When I asked to be transferred, she hung up on me. I believe IQ Data is trying to fraudulently obtain money from me even though they know as well as I do that the debt was paid and never overdue. Their tactics are predatory and their letter stating they " will not be conducting another investigation '' even if I provided mountains of evidence and information should also be investigated in its own right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I disputed a list of accounts that were not verified or accurate and to remove them because they are not reporting accurately. I also demanded a reinvestigation and to provide evidence. Transunion did not furnish any evidence in the investigation. Transunion did not provide a description of how these accounts were verified. The credit report is not accurate or complete with the mentioned accounts still reporting. 
everything is still the same and according to 15 USC 1681 I they're supposed to do this treatment of inaccurate or unverifiable information and delete it.15 USC 1681 E, B they're supposed to ensure this accuracy of report and shall follow reasonable procedure to assure maximum possible accuracy of the information concerning the individual about whom the report relates which they have not. 
15 USC 1681 s-2 this is this is supposed to happen as well report information with actual knowledge of errors The accounts still in question : XXXX XXXX  Reported : XXXX XXXX, XXXX + {$2600.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$420.00} Closed XXXX  XXXX Reported : XXXX XXXX, XXXX + {$480.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX  XXXX Reported : XXXX XXXX XXXX XXXX + {$0.00} Closed DEPT OF ED/XXXX  Reported : XXXX XXXX, XXXX + {$3000.00} In good standing DEPT OF ED/XXXX Reported : XXXX XXXX, XXXX + {$1700.00} In good standing XXXX  XXXX Reported : XXXX. XXXX, XXXX {$0.00} XXXX XXXX Reported : XXXX. XXXX, XXXX {$0.00} Closed Transunion really did not do a reinvestigation or provide any details of the investigation and lied on official documents saying they did something when they did not. And I have all the evidence to prove my case.

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 2024-03-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
AMERICAN EXPRESS XXXX COMPLAINT On XX/XX/XXXX, my XXXX XXXX XXXX husband who is an XXXX, who is not proficient in reading or writing in English, attempted to book a hotel stay at the XXXX XXXX at XXXX XXXX XXXX through his phone. He was misled by the advertisement and unknowingly booked his reservation through XXXX The reservation was for 1 room for 2 nights and was represented for a total of {$1800.00} for the 2 nights. After accepting that represented charge he got the RESERVATION CONFIRMATION which was {$1800.00} for EACH night and an additional {$1300.00} in Tax recovery charges and service fees! Grand total {$5100.00}!!! Immediately we received from AMEX a notification via email of this LARGE PURCHASE {$5100.00}. He and I called AMEX to stop the charge from going through. It was very frustrating as the automated system could not understand that he needed a representative. Finally reaching a representative ( recorded for security purposes? ) we told AMEX to stop the charges, that this was not a legitimate charge. The representative told him that we had to wait until the charge posted in our account. ( Why would they not deny the charge straight ahead, protecting us from this nightmare of a charge. They are the first line of defense. Why would AMEX send you a Notification if you can not do anything about it? ). My Husband contacted AMEX on XX/XX/XXXX or XXXX. Told them the same story. That representative told him to wait until the Statement comes out on XX/XX/XXXX to see if the charge had been removed. He called on XX/XX/XXXX and then and only then does the dispute of the charge show that it was initiated. The dispute was closed on XX/XX/2024! Our daughter helped us to get it re-opened as a fraud case, finding out that XXXX in a simple XXXX search shows that many consumers have been scammed by this XXXX AMEX could have stopped these charges from the beginning. AMEX has closed the disputes and fraud investigations and have re-charged us the {$5100.00}. 
We cancelled the Hotel Reservation immediately. We requested our money back from them. They sent us canned emails every 2 days and then would say they could not contact the third-party hotel partner. 
XXXX XXXX has been with American Express for over XXXX years. During this process of getting this ridiculous charge resolved, a representative convinced my Husband to agree on a NEW SECURE card for an additional {$260.00} a year annual fee! 
WHAT SYSTEM DOES AMEX HAVE TO PREVENT THIS FROM HAPPENING AGAIN. WE CALLED IMMEDIATELY. THEY DID NOT STOP OR HELP TO GET OUR MONEY BACK

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Ive Sent Numerous letters to the company and the the Company Continues to failure to respond, I have talked on the phone to resolve issue and still nothing, there isn't any notice at all on there site indicating that their ever was an dispute, this is also my third time contacting the company about this same matter and would like your help getting resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
I paid off the vehicle that I financed through Mazda Capital Services at least 8 years ago. I am now selling the vehicle and needed a copy of the lien release as I no longer had it in my possession. I can not recall if I ever initially received one but may have. I called MCS over two weeks ago and requested a copy. I was told it would be processed within 1-2 business days and mailed out, where I should receive it in 10-14 days. I waited the maximum amount of time and did not receive it, so I called MCS to ask about the status. They informed me that my request had never actually been released because there was a backlog. They did not inform me of this during my original conversation and I had asked for very specific details about the timeline because this was time-sensitive. I have now requested it for the second time and requested it be expedited on their behalf and informed them that I would be filing this complaint. They told me they would do that but refused to send me an email with any type of confirmation it would be sent. This happened only a few minutes ago, so I am unsure if I will receive it this time. Their dishonestly up front has now cost me over a XXXX dollars on the sale of this car as the timeline I was going off of was based on the MCS agent giving me accurate timeline information that I very specifically requested. I would love to be able to upload proof of all of this but MCS clearly makes it so that they do not leave a paper trail as they denied all request of mine to send me e-mails with any type of confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-07 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:
I want to emphasize that I did not authorize these accounts, and their existence is causing me considerable distress. I respectfully request that you prioritize this issue, conduct a thorough investigation, and promptly remove these unauthorized accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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