vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
JCMCB Card Services denied a Chase Sapphire card and sent me a denial letter. I did not apply for this card and transunion did a verification with them. They provided transunion my info with the phone number XXXX which is not my phone number and has never been. I called that number, its not a valid number. I can not get an accurate number for JCPMB that gets me to a representative to file a complaint. Its fraudulent, was not me and needs to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # 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 account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-11-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this letter in regards to the fraudulent inquiries on my credit report. These inquiries are all fraudulent and I need these lists of inquiries removed from my credit report. Here are the inquiries listed below. I have also attached a FTC report as requested. 

Account Inquiries XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: GA

Complaint narrative:
FCO Collections agency reported to XXXX, XXXX, and XXXX that I owe a debt of {$2300.00} to XXXX XXXX. This is inaccurate and erroneous and I sent documentation to the company of such. Particularly alarming is the fact that I was never a leaseholder at the property or with XXXX XXXX and never had any financial or legal obligations to XXXX XXXX, The Collection agency could not provide any proof that this was indeed a debt that I owed yet they illegally reported and published it on my credit reports. 


On XX/XX/2021, I sent an email to the compliance department of Fair Collections & Outsourcing , Inc., with a copy to XXXX XXXX of XXXX XXXX, clearly stating that there had been a misunderstanding regarding the alleged debt. In this email, I highlighted that I was never the primary leaseholder associated with the account in question and that there is no outstanding balance owed to XXXX XXXX. 
Furthermore, I received correspondence from XXXX XXXX of XXXX XXXX on XX/XX/2021, which supports my position that I do not owe any debt related to the property this information was furnished to a collection agency that disregarded and continued to attempt to extort me for money.

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 2023-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
LVNV FUNDING LLC PUT 4 COLLECTION ON MY CONSUMER REPORTS 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
 I would like them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/23 I used the mobile Chase app to deposit a check made out to cash in the amount of XXXX. On XX/XX/23 I noticed the money was there but I couldn't use it. When I called Chase they told me my account was frozen because the check was made out to cash. They needed to verify that the check was meant for me. I called my boss, who wrote me the check. She then called the bank to and informed them that the check was meant for me. She told me it would be cleared within a few days. After a week and about XXXX phone calls later, it was still not clear so i went in person to the bank. The bank teller informed me the only way to clear this was to have my boss call the bank, which was done already - XXXX times. Every time we call, they say something different. Now my account is completely closed and they are holding the money. My boss who wrote the check tried to cancel the check but Chase will not allow that either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to inform you of a recent development regarding my account with XXXX XXXX, account number XXXX. I have received a letter from XXXX XXXX via the Consumer Financial Protection Bureau ( CFPB ), indicating that they have granted me a one-time courtesy regarding a late payment on my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I have a chase freedom credit card that had a XXXX credit limit. Recently noticed my credit limit was changed and no notice was ever given to me as to why the change. It is now {$500.00}. I called yesterday XX/XX/2023 they told me it could possibly be bc of a late pmt. I was not late on any pmt. I was looking forward to using my card for XXXX purchases this year. Now I will not be able to bc my limit has changed and I have a balance on my card of XXXX. I would have liked to be notified of the change with my limit change! I have been a card member for 4 years!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
I received XXXX letters explaining the same thing ( a complete waste of resources ) that I was on an in-school deferment from XXXX and that is why that period is not being counted toward XXXX. This is interesting because I made XXXX attempts to get this answered by phone from Mohela and each rep I spoke to, including a supervisor at some point said that they did not make payment counts they pointed the finger at the XXXX XXXX  XXXX. Now when they are being investigated by the CFPB they suddenly have some answers. The only issue is they still did not completely answer my question. You would think in XXXX letters they would. There is still a period of time that is not being counted that they did not answer. XXXX is also not being counted. That is XXXX years and XXXX months that are unaccounted for, so what is the excuse there? 

Additionally, I called in XX/XX/2023, because it showed my first payment was due XX/XX/2023. I had applied for XXXX, and apparently, it had not been processed so Mohela put me on an administrative forbearance ( this was initiated by Mohela, not by me ), while my IDR application was being processed. While talking to the rep, he learned my application had been processed and I could make the payment beginning in XXXX. He said if I requested for the forbearance to be removed, this would be counted toward PSLF repayment. I requested by phone for this to be removed in addition to sending a message through the Mohela portal a XXXX of weeks later because like everything they do no action was taken when I made the request. I made the XXXX payment in XXXX, and now I see on my account that this was an ineligible payment because my loan is in forbearance. This seems fraudulent considering Mohela informed me to make a payment knowing it was not going to count toward anything because they put me in forbearance. It appears to be a tactic to collect funds and prolong payment, all while interest is being accrued. Didn't XXXX get their hand slapped for this? This has all been a complete mess and I know you just want me to give up, you continue to move the goalposts on us so that we will never win, but I will remain persistent. Please respond and this time maybe you could be more efficient in your correspondence and send XXXX letter explaining the same thing. Perhaps by making this adjustment you won't feel compelled to prolong payments and could save money on printing and postage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
please see attached supporting documentation for block of information resulting from identity theft

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
ADDRESS TO BE REMOVED : XXXX XXXX XXXX XXXX, FLORIDA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FLORIDA XXXX ACCOUNTS TO BE REMOVED : 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 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i HAVE ASKED eXPERIAN ON XX/XX/XXXX THAT I have reviewed my consumer report. I am in disbelief that I have been a victim of Identity theft. i have found numerous accounts that were not opened by me. this is hurting me and harming me. I am getting ready to purchase a house for my family. this is hurting us. please remove the fraudulent accounts from my consumer report as soon as possible.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: CA

Complaint narrative:
I am writing to bring to your attention a matter of concern regarding a persistent issue I have been experiencing with Transunion, XXXX of the major credit reporting agencies. Despite multiple attempts to rectify the situation, XXXX has failed to properly investigate and address an erroneous account that has been reported to my credit file by XXXX Fed The inaccurate information on my credit report is adversely affecting my creditworthiness and has the potential to impact my financial standing. I believe this situation requires urgent attention, and I am seeking your assistance to ensure a fair and accurate representation of my credit history. 

I have contacted Transunion on numerous occasions to dispute the inaccurate account, providing supporting documentation and a detailed explanation of the error. However, XXXX has yet to conduct a thorough investigation and continues to report the erroneous information on my credit report. 

I have attached copies of the relevant documents, including my correspondence with Transunion and any supporting evidence that substantiates my claim. I have also kept a record of all communication with Transunion, including dates, reference numbers, and the names of representatives with whom I have spoken. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to prompt Transunion to conduct a proper and timely investigation into the disputed account. I believe that the inaccurate reporting is a violation of the Fair Credit Reporting Act, and I am hopeful that your involvement will facilitate a swift resolution. 

I appreciate your attention to this matter and your commitment to ensuring fair and accurate credit reporting for all consumers. I am confident that, with your assistance, we can resolve this issue and rectify the inaccuracies on my credit report. 

Thank you for your time and consideration. I look forward to a prompt resolution to this matter. 

Sincerely,

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 2023-11-14 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I have dispute a transaction for the amount of {$2300.00} with Bmo Harris here is the dispute number XXXX I have waited over 10 business days havent received any letters havent received any provisional credit I tried to call today and they said that my dispute was denied even though I did not authorize a transaction and I have no Knowledge of it.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have recently viewed my credit report and it displayed inquiries I am unaware of. 

I called the XXXX reporting agencies and let them know the inquiries for XXXX XXXX XXXX on XX/XX/XXXX and XXXX XXXX XX/XX/XXXX, are not supposed to be visible on my consumer report because I never gave them written permission and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request. 

I called Equifax to let them know the inquiry made on XX/XX/XXXX, by XXXX XXXX XXXX  are not supposed to be visible on my credit report. 
I never gave them written consent to report them and this is considered aggravated identity theft. I requested it to be removed and it has not been removed and it has been more than 30 days since my initial request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a dispute letters to credit bureaus about fraudulent inquires attached with XXXX report and driver license for them to remove inquires that were not authorized by me which they ignored.

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 2023-11-14 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: NY

Complaint narrative:
There are accounts that are on my consumer report that are a result of identity theft. These transactions do not relate to me as the consumer. Your company has been negligent in my request and according to the Fair Credit Reporting act your company shall block and remove the accounts within 4 days of receiving the appropriate documentation. This request is not being made by error, nor was it made on the basis of material misrepresentation, as the consumer i did not receive goods, money or services as a result of this transaction so your company shall not decline or rescind the blocking of these accounts. These transactions do not relate to me as the consumer block and remove XXXX XXXX ACCOUNT BALANCE {$5200.00} XXXX XXXX Account balance {$1500.00} XXXX XXXX  Account balance {$8200.00} XXXX XXXX XXXX Account balance {$4900.00}

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 explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paramount GR Holdings, LLC
State: LA

Complaint narrative:
The loan was procured to secure solar panels ( through XXXX XXXX XXXX - based out of Texas ) on my home to reduce my energy use. I was guaranteed that the payment amount would be around {$150.00} a month, for 15 years, and that I would subsidize all of my energy usage. I got a sudden notice that I did not meet my " target principal balance '' by a certain date, and the payment doubled as a result. I was never told that the loan had such practices, and the solar panels have never operated as we were told ( over two years into this process and I still don't see the promised relief from my electric bills ). Now, I have extremely expensive electric bills, as well as the doubled payment from the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
please see attached supporting documentation for block of information resulting from identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
please see attached supporting documentation for block of information resulting from identity theft

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 2023-11-14 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief