vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
I am writing to file a complaint regarding two closed accounts and three unauthorized inquiries on my credit report. I believe that these items violate the Fair Credit Reporting Act ( FCRA ) as well as the 15 USC 1681 statute. 

The closed accounts are as follows : XXXX XXXX XXXX XXXX, which was opened on XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, which was opened on XXXX XXXX XXXX 

I DEMAND that these closed accounts be removed from my credit report as they are no longer active and are therefore not relevant to my current credit status. 

In addition to these closed accounts, there are three unauthorized inquiries on my credit report, which were made by XXXX XXXX XXXX  on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I did not authorize any of these inquiries, and I request that they be removed from my credit report as they are negatively impacting my credit score and creditworthiness. These items violate the FCRA and the 15 USC 1681 statute, and I request that you investigate this matter and take appropriate action to rectify the situation. Thank you for your prompt attention to this matter.

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One closed my account without notice. I have had the account for 20+ years with a perfect payment record. I found out it was closed when I tried to use my card. I called several times and nobody would say why the card was closed. All they would say is a letter will be sent. I finally received a letter some 25 days after the account was closed. The only thing the letter said was important information was missing from my account. So it took them 20 years to discover some information is missing. I have the same email, phone, and address for the past XXXX years. They claimed they tried to contact me. I checked my Capital one account online and there were no messages. I have all my mail scanned and there were no letters, I checked my email and there was nothing. I called again several times after the letter and again nobody would answer what this mysterious missing information was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
In accordance with a fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a customer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under and open end customer credit plan as late in any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
The date opened on this account is incorrect across the three credit bureaus. One states Date Opened : XX/XX/2019 and another states XX/XX/2019. According to FCRA 100 % accuracy is required. Lastly I have never been late on this account validate this erroneous statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
Hello! 

Im seeking help from you please. Since I closed on my home on XX/XX/2021, my account has had 4 servicers. Its now starting to create chaos. My account started with XXXX XXXX XXXX XXXX. The latest servicer to receive my account is PHH Mortgage Services. I know nothing about the different servicers, but this one has taken over and is not making the process smooth. Each time Ive been notified that my servicer is changing by mail. Usually within 2 weeks - 30 days of the switch. I dont select the servicers. Its bad business to put a customer through so many changes, especially with a servicer we didnt pick. 

PHH Mortgage Services has taken over - and out of no where- claimed an Escrow shortage of over {$600.00}. Ive paid my mortgage statements monthly to the other servicers without shortages. PHH Mortgage Services is demanding that I pay their claimed amount, but wont give me a cost breakdown of where the shortages are coming from. Theyve added the shortage to my mortgage statement to pay again with no written explanation of whats short. Did the previous servicer not bill me correctly on property taxes, property insurance, etc? I doubt it because there wasnt that much change for any line items. The servicer is also demanding changes and records that no other servicer has had. Its a nightmare. Again, Im not sure who PHH Mortgage Services is, but this has been a very time consuming, unprofessional and unpleasant customer experience. This is the only time I am really wanting my servicer to be changed. To a more organized servicer. Help to get my account and escrow fixed by a mediator is greatly needed please. 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 explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX Balance : {$860.00}, XXXX XXXX XXXXXXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXXXXXX Balance : {$14000.00}

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. The following accounts are listed below : XXXX XXXX Balance : {$860.00}, XXXX XXXX  XXXX Balance : {$540.00}, XXXX XXXX XXXX Balance : {$480.00}, XXXX XXXX XXXXXXXX Balance : {$3200.00}, XXXX XXXX Balance : {$1200.00}, XXXX XXXXXXXX Balance : {$660.00}, XXXX XXXX Balance : {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Bank card got jammed in atm when it was trying to return card. As a result the atm would not dispense the XXXX I tried to take out. It took the funds from my account and I didn't get the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  account # XXXX XXXXXXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A states I have the rights 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.On XX/XX/2022 account # XXXX was opened under my name without my knowledge or consent and was used and left a {$1400.00} balance. I reached out to the credit bureaus for verification of accuracy and they said they did and I found improper inaccuracies on my credit report even after the credit bureaus thorough research. I demand this account be deleted expeditiously from my report being that the name was entered incorrectly but the perpetrators were still able to furnish a credit account with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
According to NY Law, this company is not allowed to come after me or sue me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Experian for their continued failure to delete a fraudulent account from my consumer report ( credit report ). This account has been reported by Experian for over a year, despite my repeated requests to have it removed. The account in question is from XXXX XXXX XXXX, with the account number XXXX XXXXXXXX stated amount {$1000.00}. 

I have already submitted a FTC Identity Theft Report, which clearly documents that this account is fraudulent and should be deleted from my consumer report. However, Experian has refused to take any action and has continued to report this account, which has damaged my credit score and made it difficult for me to obtain credit or loans. 

Experian 's failure to delete this fraudulent account is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite having knowledge of the fraudulent nature of this account, Experian has not done any due diligence to investigate the information they have reported, which is a further violation of the FCRA. 

I am requesting that the Consumer Financial Protection Bureau take immediate action to hold Experian accountable for their actions and ensure that they comply with the FCRA. I am also requesting that Experian take immediate steps to remove the fraudulent account from my consumer report and provide me with a corrected copy of my report. 

In addition, I request that Experian block any further attempts by the fraudulent party to create or use accounts in my name. This is necessary to protect my identity and prevent any further damage to my credit score. 

Thank you for your attention to this matter. 

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 explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XX/XX/23 tried to get a refinance loan with XXXX XXXX XXXX, they said I had no credit history with Experian. 
XX/XX/23 pulled my credit report with experian it showed I had credit history with a score of XXXX XX/XX/23 called bank to check said nothing was fixed XX/XX/23 pulled credit report with Experian and my score dropped XXXX points and I had no credit history XX/XX/23 tried calling experian with 3 different numbers and they just want to sell me something I dont want. Absolutely no one will explain or set things right XX/XX/23 pulled credit reports with XXXX XXXX score of XXXX and all my accounts are up to date I am frustrated I work hard to pay my bills and usually I wouldnt care but now its a matter of principle I WANT THIS FIXED

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I paid {$1000.00}, check # XXXX, dated XXXX. This check cleared my bank XX/XX/XXXX. I became aware the payment had not been credited in late XX/XX/XXXX when they declined a purchase. I called to try to resolve the missing payment. They sent me a letter dated XX/XX/XXXX stating they were researching the missing payment and to allow up to 90 days to complete their investigation. I called XXXX  and spoke with XXXX, she was not able to assist me until my husband authorized me to speak about this account. I called back with my husband on XXXX My husband gave permanent permission for me to communicate with the bank on this account. We/I spoke with XXXX. She told me to submit a copy of the cancelled check on the website. Their webpage to submit documents popped up " page not available ''. I mailed a copy of the canceled check with a copy of their letter dated XX/XX/XXXX to XXXX XXXX XXXX, XXXX, OH XXXX ( the address on the letter ). On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, stating they received and credited my XX/XX/XXXX payment. This is NOT the payment they did not credit to my account. I checked the website. The missing {$1000.00} has not been credited to my account. I have spent 5 months trying to resolve a missing payment that I made 7 months ago. I expect them to credit the missing payment and the interest charged for the 7 months they had the payment and did not credit it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Some unknown person has breached/ obtained my identity information ( name, previous address, Social Security number, and date of birth ) and fraudulently opened a Bank of America credit card on XX/XX/XXXX in my name. During XX/XX/XXXX to XXXX, XXXX, this unknown person has made several charges at several businesses in the New Jersey / New York area and has also made numerous cash withdrawals at multiple ATM machines in New York. Fraudulent activity totals at one point {$7700.00}. After discussions with the Bank of America, the credit card was disabled, blocking any further use/ charges/ ATM withdrawals. 

The credit card statement was being mailed to an address in XXXX XXXX, NY XXXX. Do not mail any correspondence to the XXXX XXXX address. It's a false address. I have never lived in this place. I have not traveled to New Jersey or New York at any time in XXXX or XXXX. I have lived in my current home in XXXX, TX since XX/XX/XXXX. The identity thief completed a credit card application using a previous home address XXXX XXXX XXXX, XXXX, TX. We relocated from that home in XX/XX/XXXX and sold that home in XXXX. We did not own or live at the XXXX home in XX/XX/XXXX when the credit card was fraudulently opened. 

The Bank of America has been mostly unhelpful in working with me to resolve this matter. Even so I have reached out to them on multiple occasions. BoA repeatedly told me I needed to contact its Fraud Dept. In my multiple attempts to contact the Fraud Dept., no one ever picked-up the phone. I never had an opportunity to speak with someone in the BoA Fraud Dept. There was not a means to leave a voice message to request a call back. 

On/ abouXXXX XXXX XXXX XXXX, while in the process of seeking pre-approval for a home loan, the mortgage lender identified to me that my credit score was XXXX. I was under the impression my credit score was about XXXX. Upon learning of this miserably low credit score, I began to look into what was going on. 

I have also reported this identity theft to my local XXXX, TX Police Dept. Incident number : 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 2023-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: OH

Complaint narrative:
I bank with Chime an online bank for over 3 years. On XX/XX/2023 I received a text message that my phone number has been changed on my account and to call member services if I did not change information on account. So I called and advised that I did not make the changes over XXXX of my money was spent unauthorized charges on my account Chime has been denying my claim saying that there are no error found and I have requested documentation of their decision they said it takes 10 days and yet and still I have yet to get these documents and they will not replace my funds they keep denying my claim and 2 rebuttals I have sent them police report I have sent them screen shots I of the merchants advising to have the bank charge the funds back nothing please if you can assist in anyway possible!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XXXX XXXX XXXX I disputed fraudulent inquiries I found on my credit reports. As of today XX/XX/, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA. I have attached the letters all XXXX bureaus have received.

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 2023-04-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XX/XX/2023. I disputed fraudulent inquiries I found on my credit reports. As of today XX/XX/2023, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA. I have attached the letters all XXXX bureaus have received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA

Complaint narrative:
Received an email saying a new account is on my credit report. I did not open any new account. Lender Name XXXX - XXXX XXXX - XXXX XXXX  XXXX XXXX XXXXXXXX, KS XXXX Phone Number 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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Apple card closed my account for no reason at all. I have never been late or missed a payment. Their said I violated the user agreement but refused to tell me specifically what I violated. This is not fair to me. I want my account reinstated. When I called them they would not tell me what I violated and never returned my phone call like they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Self Financial Inc.
State: CA

Complaint narrative:
PLEASE DO NOT CANCEL THIS COMPLAINT, AS A DUPLICATE. 
BECAUSE IT IS NOT A DUPLICATE COMPLAINT. 

This is MY RESPONSE COMPLAINT regarding " CFPB '' Complaint Case # XXXX that SELF LENDER has responded to. 

PLEASE DO NOT CANCEL THIS COMPLAINT .... 

I have Submitted a Brand New Letter Request and 2nd Request for Self Lender. 

This Complaint is my response to SELF LENDER 's Response. 

15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report. 
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

SELF LENDER IS willfully reporting Incorrect Information on my Consumer Report.

Company response to consumer: Closed with explanation