vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: LEXISNEXIS
State: OH

Complaint narrative:
I recently filed for a credit card and was declined unlawfully under the reference number XXXX .According to 15 U.S. Code 1691 : ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction on the basis of race, color, religion, national origin, sex or marital status, or age ( provided the applicant has the capacity to contract ) ; because all or part of the applicants income derives from any public assistance program ; or because the applicant has in good faith exercised any right under this chapter ( b ) It shall not constitute discrimination for purposes of this subchapter for a creditor to make an inquiry of marital status if such inquiry is for the purpose of ascertaining the creditors rights and remedies applicable to the particular extension of credit and not to discriminate in a determination ofcredit-worthiness ; to make an inquiry of the applicants age or of whether the applicants income derives from any public assistance program if such inquiry is for the purpose of determining the amount and probable continuance of income levels, credit history, or other pertinent element of credit-worthiness as provided in regulations of the Bureau ; 15 U.S. Code 1681 ( b ) Whenever credit for personal, family, or household purposes involving a consumer is denied or the charge for such credit is increased either wholly or partly because of information obtained from a person other than a consumer reporting agencybearing upon the consumerscredit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living, the user of such information shall, within a reasonable period of time, upon the consumers written request for the reasons for such adverse action received within XXXX days after learning of suchadverse action, disclose the nature of the information to the consumer. The user of such information shall clearly and accurately disclose to the consumer his right to make such written request at the time such adverse action is communicated to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: MA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 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: MA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
TO WHOM it may concern I am writing to report that I am a victim of identity theft. An unknown individual has fraudulently opened a XXXX XXXX XXXX XXXX credit card account and a XXXX account in my name. These unauthorized accounts have been reported to the three major credit bureaus : XXXX, TransUnion, and XXXX. Details of Fraudulent Activity : 1. XXXX XXXX XXXX XXXX Credit Card Account : - This account was opened without my knowledge or consent. ON XX/XX/XXXX under the account number XXXX - I have not authorized any transactions or actions related to this account. I HAVE TRIED to communicate with you guys but i haven't seen any positive results in the matter, Impact on My Credit Report : These unauthorized accounts have negatively impacted my credit reports with XXXX, TransUnion, and XXXX. As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), particularly Section 605B, which allows for the blocking of information that is the result of identity theft. Under FCRA Section 605B, I am requesting that the fraudulent accounts be blocked from my credit reports. This provision mandates that credit reporting agencies must block the reporting of information that resulted from identity theft within FOUR business days upon receipt of proof of identity, an identity theft report, and an official request to block the fraudulent information., and if for some reason this item doesn't getting deleted or blocked, you guys are violating my right under FCRA XXXX this are fraudulent account in my name that wasn't opened by ME I REPEAT SOMEONE IS USING MY NAME I am requesting your assistance in this reinvestigating this matter and taking the appropriate actions to prevent further harm DESIRED OUTCOME : PLEASE REMOVE ACCOUNTS FROM CONSUMER FICO CREDIT REPORTS VICTIM INFO : NAME : XXXX XXXX XXXX Of Birth : XX/XX/XXXX Contact info : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX, XXXX Arizona 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 2024-09-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
**Letter of Intent** ** [ XXXX XXXX XXXX XXXX ** [ C/O XXXX XXXX XXXX XXXX. XXXX  XXXX ] ** ** [ XXXX, XXXX ] ** ** [ XX/XX/year> ] -future **The United States TreasuryXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX : TRANSUNION XXXX XXXX Request for Settlement of Debts Pursuant to 12 USC 411 and 50 USC 4305 ( b ) ( 2 ) ** Dear- Transunion, XXXX, XXXX, I am writing to formally request the settlement of { Any and all debts past present and Future ] pursuant to 12 United States Code ( USC ) 411 and 50 USC 4305 ( b ) ( 2 ).

As per 12 USC 411, Federal Reserve Notes I may be redeemed in lawful money at the Treasury of the Federal Reserve Bank. In addition, 50 USC 4305 ( b ) ( 2 ) provides for the discharge of obligations in times of national emergency. 

I am exercising my right to use lawful money to discharge the debt fully. 

Thank you for your prompt attention to this matter. 


Done in Good Faith, By : 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 2024-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX XXXX I tried to log into my Venmo account to access money that was sent to me and I am not able to log in. I have had this issue several times in the past. It is a system problem that Venmo has and is not working to correct it. Last time it took XXXX days for them to resolve this. I need groceries and I am not able to get the money. You try to call to talk to someone and they keep you on hold for over XXXX minutes. I dont know what else to do. They need someone to make them fix this because they are unwilling to do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
After reviewing my credit report, I noticed several accounts listed that did not belong to me. I reached out to the creditors and asked them to validate these accounts, and I never received a response from them. I'm asking that these accounts listed on the attached documentation be removed from my credit report.

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 2024-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: NH

Complaint narrative:
Car was totaled in XX/XX/XXXX and my insurance company convinced me to file through them instead of the lady who hit me then wouldnt communicate with us at all. Then Westlake wouldnt allow me to buy it from them even tho it was still a drivable car and I could just fix it up little by little over time instead of being stranded with no vehicle or way to get to work. Allowed my insurance company to come take the vehicle so have been without a car for months lost our job and became homeless and all Westlake did was call us 20 times a day everyday since XXXX even after we talk to them and they lie about whats going on. I had to request online information on my gap coverage coming into effect because there would be no reason for them to call us if the gap coverage was supposed to cover the remaining balance on our loan after the insurance sent Westlake what they deemed appropriate I constantly called XXXX asking why I hadnt heard anything from them about the gap coverage or anything and they said in XXXX they filed a claim for us and that we would know shortly. Here it is XXXX and Im just now getting the information for the Gap and in the paperwork it shows Westlake didnt even file a claim until XX/XX/XXXX! 3 months after! And in my documents it says they received the insurance settlement on XX/XX/XXXX so why even after me and my husband kept calling to see what they needed from us for the gap stuff they never filed? Now they call us every single day 10-20 times a day and if I answer and talk to someone they still call us after the same day and the day after etc

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.

Complaint narrative:
Subject : New Complaint Regarding Chase Bank - Prolonged Hold on Company Funds ( Over XXXX Months ) Dear Consumer Financial Protection Bureau, I am writing to file a new complaint regarding an unresolved issue with Chase Bank, building on a previous complaint that was closed without resolution. My company, XXXX XXXX XXXX XXXX, has had funds totaling {$48000.00} held by Chase Bank for over XXXX months, severely impacting our ability to operate. 

Background : Following my original complaint XXXX, a representative from Chase 's back office department, XXXX, contacted us and assured us that the issue had been resolved, and that a cashiers check would be sent shortly. However, instead of receiving the check, we saw the funds deposited into our Chase account on XX/XX/2024. Initially, we believed the matter had finally been resolved. 

Unfortunately, just XXXX day later, on XX/XX/2024, our account was restricted again due to Chase 's internal systems mistakenly flagging the funds as suspicious. Despite numerous attempts to explain that the funds were deposited by Chase 's own back office, the customer support team has not been able to resolve the issue. 

Since then, the account has been permanently closed, and the funds are once again being held " under investigation. '' This has created an endless loop of account closures and restrictions, with no resolution in sight. Our company urgently needs these funds to pay salaries and suppliers, and this ongoing hold is causing significant financial harm. 

Attachments : Screenshots of the deposited amounts. 
Screenshots of the restriction notice received on XX/XX/2024. 
Email from Chase stating that they are going to close the account.

Request for CFPB Action : I respectfully request that : The CFPB reopens the investigation into Chase Banks handling of our funds. 
The CFPB ensures the immediate release of the {$48000.00} currently held by Chase Bank. 
Chase Bank provides clear communication and a resolution timeline to prevent further delays. 
The repeated account closures, contradictory information from Chase 's departments, and prolonged hold on these funds are causing severe operational difficulties for my company. We kindly ask for your urgent assistance in resolving this matter. 

Thank you for your help. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 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: NJ

Complaint narrative:
was a victim of ID Theft. There are accounts on my Experian Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21 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: NJ

Complaint narrative:
was a victim of ID Theft. There are accounts on my Experian Credit Report that are fraudulent and do not belong to me. I have already filed a FTC Report. The accounts are as follows : XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-09-21 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: AR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts inquiries listed IMMEDIATELY.

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 2024-09-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: SC

Complaint narrative:
I am writing in response to your recent correspondence regarding an alleged debt in your possession. 
According to your communication, you claim that I owe a debt to Credit Collection Service. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : XXXX. The original creditor 's name and contact information. 
XXXX. The original account number associated with the debt. 
XXXX. The date the debt was incurred. 
XXXX. The total amount of the debt, including any fees or interest. 
XXXX. Documentation establishing your ownership or authority to collect this debt. 

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX, I bought an Amex gift from XXXX for and added {$500.00}. The card completely does work and keeps getting declined everywhere. I make sure the card was active and it is. I tried to call Amex but no solution was given.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-09-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
On XX/XX/24 I scheduled a future payment with Ford Motor Credit on their online site. I authorized a payment to be posted on XX/XX/24. As of this morning, XX/XX/24 I noticed a payment pending in my checking account from Ford for the amount scheduled to be posted on XX/XX/24. This amount has overdrawn my account and possibly caused my house payment to bounce. I contacted Ford and they explained that they sent the transaction through to my checking account ahead of the payment. I asked why and they could not answer. I also told them that I authorized a payment for XX/XX/24 and not today, XX/XX/24. I also explained to them that they did not even post it to my loan, but they submitted a transaction for the payment. How can this be allowed? It is my understanding that they are not allowed to submit a request until the authorized date. 

I have scheduled future payments before in the past ( loan not on auto debit/auto pay ) and this has not occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The hazard insurance was not paid by escrow and now my insurance has lapsed because Mr. Cooper Mortgage didn't do it's job and pay the insurance company. It's nearly impossible to get a hold of anyone at Mr. Cooper Mortgage to get this issue resolved. I have contacted the insurance company to see what I can do to remedy the situation, but this should have never happened in the first place due to negligence on the part of Mr. Cooper Mortgage.

What's the point of an escrow account if it doesn't handle paying things like insurance and property tax? I will do everything in my power to remove my escrow account completely because I'd much rather pay the annual insurance amount and have the peace of mind that it is, in fact, actually going to get paid and my house will be insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
XXXX XXXX  is over two months behind reporting my updated account balance to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXXXXXX  I contacted the company and requested a refund for the late fee of {$30.00} and they had told me that they can only give me a {$15.00} credit. I had asked them about the law that went into effect on XX/XX/, of the late fee supposed to be only {$8.00}, I was told that they have some sort of agreement with CFPB that allows them to charge {$30.00}. 
They then told me that they will give me the {$15.00} credit and that is all they are allowed to do, so I accepted the refund of {$15.00}, but by law I think I should only be charged the {$8.00} and I should be credited the remaining balance of {$7.00}.

Company response to consumer: Closed with monetary relief