vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have been disputing Kohls for years ; this account was used in fraud! There is a balance of {$2300.00} that is not mine. Furthermore, they sold my account to a collection agency who removed the account from my credit report due to fraud however, Kohls still is reporting a balance owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: Self Financial Inc.
State: IL

Complaint narrative:
I am REWRITING to complaint SELFINC/LEAD about the reported data 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 XXXX XXXX, IL XXXX, and my name is XXXX XXXX XXXX. My birthdate is XXXX. The FTC report number related with this complaint XXXX 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. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I have XXXX credit cards with Chase Bank. They offer a pay over time plan for larger transactions. Different payback periods are offered with a monthly transaction fee. Both the monthly payment and fee are disclosed up front. The information states there is no prepayment fee. Recently, I had as many as XXXX plans. I contacted customer service to find out how to pay one of them off and was told there was no way to do that. They said if I send the specific amount to pay off that one plan, the amount would just be applied to the outstanding amount and the transaction fees would continue! The only way to avoid fees would be to pay of the entire balance. This is not disclosed anywhere that I could find. It also defeats the purpose of having a pay over time plan. It is also misleading to say there is no prepayment penalty since there is no way to pay off individual plans.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I went in for a XXXX  visit at XXXX XXXX in XXXX for the first time and was sat on the XXXX  chair and was sitting there for about an hour while someone at the front desk was crunching numbers and would get back to me in a few. I guess she was running my credit report to find a creditor that would cover my dental expenses that I was still not sure of what these were or the breakdown of any XXXX  at this point. I had a bad feeling at this point and wanted to walk out but unfortunately did not. I decided not to go with any XXXX  treatment at this facility due to their ethical behaviors starting with the XXXX XXXX  XXXX XXXX. I left the office without a treatment plan cost because they did not want to provide me with one even after I asked them to give me one. 

Long story short, I tried calling the XXXX  office to dispute charges that arrived in the mail from Alphaeon credit and was unable to reach someone in billing due to voicemail being full and not accepting messages which I believe is for a reason. I tried calling, texting, emailing, and finally an email came back from XXXX XXXX which I responded to with the information she asked for but I never heard back from her. All phone calls to dental office are unresponsive from anyone on the dental team. Finally, I decided to go directly to credit card company and dispute with them. On XX/XX/XXXX I mailed out a dispute letter to Comenity Capital Bank ( Alphaeon Credit ) regarding the matter and have not heard back anything yet. So far my credit report has taken a hit due to this matter and want to have it cleared off my record. Don't know if this is a matter I can report to the XXXX XXXX XXXX California. ( I can provide copies of my emails to dental office and dispute letter to Alphaeon Credit ) Any help or guidance would be greatly appreciated. Thank you in advance for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
Ive 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 non-monetary relief
Consumer complaint received 2024-08-05 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: TX

Complaint narrative:
Ive 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 2024-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2024-08-05 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Savings Bank Account # : XXXX XXXX XXXX XXXX USAA Savings Bank Account # XXXX XXXX XXXX XXXX Between XX/XX/year> and XX/XX/year> my two credit cards with USAA Bank were used without my permission. When I arrived home from the XXXX Wedding Anniversary of close friends in XXXX Ohio I was greeted with two letters from USAA telling me my credit cards had been closed. I immediately called USAA and was referred to their fraud department. Their representative informed me that my two accounts were closed because of fraudulent transactions. I cooperated in every way with USAA and filed a police report with the XXXX XXXX Florida Sheriff 's Department which was provided to USAA. USAA refused to cooperate in the investigation. I identified the likely criminal. USAA refused to honor their " no liability for fraudulent transactions '' which they actively marketed for their credit cards and upon which I relied upon. After months of telephone calls and letters I gave up talking to them. USAA made no attempt to recover the money from the fraudulent transactions. USAA immediately sold the alleged debt to collection agencies who immediately upon receiving the police report ceased collection efforts. USAA also canceled my insurance with them after 42 years with no accidents in nearly 30 year because of the credit report. I hired an attorney who sent letters to XXXX, XXXX and XXXX with the police report and requesting they remove the incorrect information from my credit report. XXXX and XXXX removed the incorrect information. XXXX has refused to remove the incorrect information and it sole investigation was to contact USAA and ask if the debt was mine. USAA Bank has developed a long history of defrauding its customers with false advertising and solicitations. I am requesting that USAA expunge from my XXXX Credit Report any reference to the two credit cards claiming I defaulted on the credit cards. 

Police Report is too large to upload.

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 2024-08-05 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Bank manages my XXXX Credit Card, a retail store card. They have instituted a fee to receive paper statements of {$2.00} per month. I believe this fee is unfair and could be discriminatory towards those with less access to technology. If they are providing the service of a credit card then providing a bill is part of that service and since paper has always been the default standard, this should not incur an additional cost.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 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: NC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2024-08-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Chase Bank regarding the excessive delays and repeated documentation requests in the processing of a mortgage assumption application. The original application was submitted on XX/XX/XXXX, and since then, Chase Bank has requested additional information on the following dates : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Throughout this process, the representatives at Chase Bank have exhibited incompetence, providing little information and often conflicting updates. On XX/XX/XXXX, Chase Bank made a counteroffer that required the payoff of two accounts as a condition for moving forward. This condition was met promptly by the borrower, with the accounts being paid off and verified, and the corresponding documentation sent to Chase Bank. Despite these efforts and the completion of the counteroffer conditions, Chase Bank subsequently issued new requests for information that had already been provided. Furthermore, there were delays in the process due to requests for documentation, such as paychecks, that were dated after the request was made, adding to the confusion and frustration. 

It is apparent that Chase Bank has demonstrated no sense of urgency, fiduciary responsibility, or commitment to customer support throughout this process. The bank 's representatives have failed to make the process understandable or clearly communicate what is truly needed from the beginning. This lack of clarity and support has compounded the delays and added unnecessary stress to the borrowers. Additionally, Chase Bank has performed a hard-pull on the borrowers ' credit four times each, further impacting their credit scores without adequate justification or explanation. 

It is important to note that both borrowers have experienced improvements in their financial situations since the original application, and the borrower has a flawless payment history with Chase Bank, never having missed or been late on any mortgage payments. 

The repeated delays and requests for updated documents have placed an undue burden on the borrowers and seem to reflect a pattern of procedural inefficiency. As a resolution, we seek the immediate completion and closure of the mortgage assumption loan under the agreed-upon terms. 

We request the CFPB 's assistance in ensuring that Chase Bank resolves this matter expeditiously and adheres to fair and transparent lending practices. 

Thank you for your attention to this matter. We look forward to your assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
Company name : Cavalry Portfolio LLC Account number : XXXX This collection agency is not licensed and bonded to collect from me in the state of OHIO. They are illegally sending my information around to a third party law firm to illegally collect from me and harass me. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. Company has also no permission to report ANYTHING using my info pursuant to 15USC 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX XXXX  - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting 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: GA

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-08-05 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: FL

Complaint narrative:
This account was charged off on XX/XX/2022 since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : 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 non-monetary relief
Consumer complaint received 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have been disputing XXXX for years ; this account was used in fraud! There is a balance of {$2300.00} that is not mine. Furthermore, they sold my account to a collection agency who removed the account from my credit report due to fraud however, XXXX still is reporting a balance owed!

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 2024-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I have been disputing XXXX for years ; this account was used in fraud! There is a balance of {$2300.00} that is not mine. Furthermore, they sold my account to a collection agency who removed the account from my credit report due to fraud however, XXXX still is reporting a balance owed!

Company response to consumer: Closed with non-monetary relief