vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 acount without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My name and date of birth are incorrect on many of my accounts In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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 acount without my written instructions

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 2022-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FORD MOTOR CREDIT CO.
State: TN

Complaint narrative:
Requested extension for my vehicle with Ford Motor credit customer service because I was affected by Covid-19. The 2-month extension was approved, and after the extension period was completed, I resumed making the monthly payment. I received letter dated XXXXXXXX XXXX notice of default for these payments. I was told was told they were extended to the back of the contract. Ford has reported the payment past due 30-60 days. Ford Customer service provided misleading information it has damaged my credit rating and scores with the 3- credit bureaus XXXX XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macys/DSNB has BROKEN THE LAW and violated my consumer rights under the Fair Debt Collection Practices Act and Fair Credit Reporting Act. Macys/DSNB is illegally reporting that I owe an alleged debt of {$8600.00} for account ending in XXXX. Macys/DSNB is reporting inaccurate account information to the credit reporting agencies. When requested by the credit reporting agencies to validate and or verify the information furnished on my credit report, Macys/DSNB continues to report the account as accurate. This account was sold to a debt collector on or around XXXX XXXX and Macys/DSNB continues to report to the credit reporting agencies that the alleged debt is still owed to them. Please See attachments XXXX debt collector and Macys Cease and Desist.

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 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have contacted TransUnion repeatedly that I do not recognize inquiries and that I did not authorize them. I have sent in police report and several letters that I have written to the companies. All to no avail. This is the type of predatory consumer bahvior designed to keep us in debt.

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 2022-03-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc

Complaint narrative:
On the XXXX of XX/XX/XXXX PayPal permanently limited my account for 180 days which I have been serving, expected to elapse on XXXX XX/XX/XXXX and have my funds ready for withdrawal. But on the XXXX of XX/XX/XXXX I logged into my account only to discover that my balance has been cleared by PayPal on the XXXX of XXXX over what the tagged 'Damages on Acceptable User Policy ''. 
I have contacted them through mails and calls and recently chatted their contact support up via XXXX to explain which policy I violated after my account has been dormant for months due to limitations placed on it by them, but the could not give me a positive response from any of the medium. Instead the keep shying away from questions of which policy that was violated. 
This is an unfair treatment being melted at me. 
I have gone back to these so called 'Acceptable User Policy ' severally and can't find which policy I violated because I have being transparent with my dealings with them over the years. 

These brought me here to seek help and justice recover my funds in the amount of {$1700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: GA

Complaint narrative:
To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX ( Hotel and travel ) XXXXL ( Retailer ) XXXX XXXX  ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you 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 2022-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Back in the fourth quarter of 2021 I applied with Mr. Copper mortgage company to have my Private Mortgage Insurance ( PMI ) removed from my loan. I was told that I would need to pay for an appraisal of the property at XXXX XXXX XXXX XXXX XXXX, Mo. XXXX. 
I agreed to this and they said they would have the appraiser contact me, I setup a meet with my tenant and the appraisal was done. After more than six weeks I called Mr. Copper and they said the appraiser did not turn in the paperwork. 
I asked what were they doing to contact the person, because I knew from my tenant that he had performed the job, and this was the second time I had ordered an appraiser on this property to get the PMI taken off. Finally I called XXXX XXXX customer service and they got it taken off and said it would be effective XXXX XXXX. I called Mr Copper and told them I was sending {$630.00} because XXXX XXXX said my PMI was no longer needed. Mr. Copper sent me a letter saying that my PMI in the amount of XXXX had been removed this letter was dated XX/XX/2021. I sent Mr. Copper payment for the amount of {$630.00} for the XX/XX/2021 payment which I showed it would be with the {$57.00} removed. Then they raised my XXXX payment to {$740.00} and then they corrected that after they ran an escrow review and said my XXXX payment would be XXXX for a {$21.00} increase of my taxes insurance stayed the same. I paid the shortage amount in a separate check {$250.00} thinking it would keep my payment the same, but it only decreased it to {$640.00} I was told I would have to wait until next XXXX. I requested to do my own Escrow and was told I do not have enough equity in the house to do my own escrow, but had enough to remove my PMI? They also said I could not because there had been lender placed insurance on this property. Please examine the paperwork that I am including.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
On XX/XX/2022, I visited the Chase Branch at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX and spoke with XXXX XXXX to open an account. I provided XXXX with my Missouri drivers license, Social Security card and my U.S. Passport. While XXXX was entering information in the system an alert appeared stating to contact a 877 number. XXXX made several calls and was told that no new accounts could be opened for me. XXXX asked for a reason why no accounts could be opened, and I also inquired and there was no reason given as to why I couldn't have an account opened. 
I reviewed my XXXX and XXXX XXXX XXXX accounts and there is no notices found there either. I am requesting that Chase provide a written response as to why I can't have an account opened with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: UT

Complaint narrative:
Equifax Information Services, LLC is in violation of the Fair Credit Reporting Act for refusing to have reasonable procedures in place to ensure maximum possible accuracy. I know my rights and I am being damaged by Equifax Information Services , LLC. 
1. Last week, I submitted CFPB Complaint # XXXX for the same reason I am submitting this one. 
2. Equifax Information Services, LLC chose to continue to harass me and refuse to delete inaccurate information from my consumer file and consumer reports, and refused to provide full 609 disclosures as I have requested more than once. 
3. Equifax Information Services, LLC has chosen to respond by requesting my ID and utility bill that I already sent them back on XX/XX/2021. 

These are just stall tactics. I am being continuously damaged by Equifax Information Services , LLC and their violations of the Fair Credit Reporting Act. 

They are reporting and including information in my consumer file of entities that do not exist. There is no way for them investigate any information with a company that does not exist and that they have not provided me with contact information to contact myself. They are required to immediately and permanently delete every account that I have disputed, and provide the full 609 disclosure in writing without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX ( Hotel and travel ) XXXX ( Retailer ) XXXX XXXX  ( Bank ) NXXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you 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 2022-03-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
To Whom it May Concern, According to my most recent credit report, the below company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus. 



The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. 



Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. 



Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I incurred an inaccurate 30 day late payment in my credit report XX/XX/2021. I have contacted all three credit bureaus and XXXX. After 4 months in XXXX the creditor finally contacted me via secure message to tell me that it is incorrect and they would be removing it. I disputed it with all three credit bureaus and included the secure message. The concluded the disputes and did not remove the late payment. This inaccuracy has caused me not to be able to get any loans or build my credit. My next step after this will be suing. I am at a loss and this is wreaking havoc on my ability to move forward.

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 2022-03-08 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I canceled an air ticket purchased with my credit card issued by Chase Bank on XX/XX/2022. It shows clearly that the tickets were Fully Flex which means " refund permitted free of charge '' in the email from the merchant XXXX. The merchant failed to process the refund within their promised duration, and I raised a dispute against the merchant with Chase Bank. However, Chase refused to refund the full amount of the value of the tickets citing misleading if not fabricated at all, copies of " refund policies '' submitted by the merchant without providing a fair opportunity for the consumer to provide their evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Friday XX/XX/2022 at XXXX I received a email from American Express saying they just closed my XXXX XXXX XXXX  credit card I have with them, because of my credit report showing delinquency with another account that has no association with American Express . My accounts is in good standing by not being in default or delinquent so adverse does not apply to me pursuant to 15 USC 1691 ( d ) ( 6 ) This action from American Express is discrimination pursuant to 15 USC 1691 ( a ) I have been a loyal customer to American Express and to suddenly be treated this way is heartbreaking. I have faced XXXX and XXXX  since being stripped of my credit card, making it difficult pay bills and get gas for my car. American Express is responsible for all damages resulting from there actions towards me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Ive been a loyal customer with Wells Fargo for 10+ years. Ive never had an issue with them until recently. I was a victim of theft and some unauthorized charges reflected on my account because of this issue. After reaching out to them and explaining my situation they submitted my claim for review. After almost a month I get sent an email stating that they denied the claim. Can you imagine being held responsible for almost {$300.00} worth of charges that were not yours? The claims department told me there was nothing more we needed from you I made myself available for follow up and was willing to provide supporting documents to help prove my position but they took it upon themselves to shove these {$300.00} down my throat and repeatedly say it was denied. Im terminating my relationship with them and will express my frustration on every possible platform. I took it upon myself to encargare my friends and family to terminate the relationship with them as well. I feel completely unappreciated. Shame on 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 2022-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I have been trying since XX/XX/2021 to dispute a XXXXXXXX XXXX account on my credit profile. after a breif removal it was placed back again on my credit profile with a different balance. original balance when i first disputed was about $ XXXX. now its over {$13000.00}. 

i have been trying to reach XXXXXXXX XXXX fraud department unsuccessfully. Even with my latest dispute with transunion I asked to have the merchant contact me at a number i provided. they have never tried yet kept allowing the card to make purchases knowing that I have disputed it almost a year ago. 

i was finally able to locate a phone number for the XXXXXXXX XXXX fraud dept. I called their card members and asked for that number and was given ( XXXX ). after holding for good 20 minutes i spoke with some very rude lady who was literally yelling at me and she said my claim needs to be handled by the card member services.. whene i told her i was transfered to her from their she ignored and sent me back to the que with about 30 minutes hold. 

i have never had an account with this company and they have not follow procedure when opening an account ( fraud alert on my profile ) and ignore all my disputes of the account being fraudulent and let it continue to add charges.. making my credit profile look very bad. 

i demand they remove this identity theft account pursuant to the Fair Credit Reporting Act Section 605B

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 2022-03-08 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: AL

Complaint narrative:
I have been trying since XX/XX/2021 to dispute a XXXX bank account on my credit profile. after a breif removal it was placed back again on my credit profile with a different balance. original balance when i first disputed was about $ XXXX. now its over {$13000.00}. 

i have been trying to reach XXXX bank fraud department unsuccessfully. Even with my latest dispute with XXXX I asked to have the merchant contact me at a number i provided. they have never tried yet kept allowing the card to make purchases knowing that I have disputed it almost a year ago. 

i was finally able to locate a phone number for the XXXX bank fraud dept. I called their card members and asked for that number and was given ( XXXX ). after holding for good 20 minutes i spoke with some very rude lady who was literally yelling at me and she said my claim needs to be handled by the card member services.. whene i told her i was transfered to her from their she ignored and sent me back to the que with about 30 minutes hold. 

i have never had an account with this company and they have not follow procedure when opening an account ( fraud alert on my profile ) and ignore all my disputes of the account being fraudulent and let it continue to add charges.. making my credit profile look very bad. 

i demand they remove this identity theft account pursuant to the Fair Credit Reporting Act Section 605B

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