vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-01 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: PA

Complaint narrative:
A key Benefit of our premier Chase Sapphire Reserve credit card is Trip Cancellation and Trip Interruption insurance. Chase Sapphire has contracted with Card Benefit Services ( Subsidiary of XXXX, XXXX ) and XXXX XXXX XXXX  XXXX to provide this insurance. On XX/XX/2024 I submitted a Claim for {$5000.00} of elibible expenses under the Policy. In the past 43 days I have provided XXXX documents supporting the claim, sent XXXX ( XXXX ) emails, and made greater than XXXX ( XXXX ) phone calls to Card Benefit Servies at XXXX. The documentation XXXX  XXXX inclusive of their form completed by a XXXX XXXX  verifying the serious illness which necessitated both the Trip Cancellation and Trip Interruption. For the past 43 days Card Benefit ServicesXXXX XXXX Assistance has committed Unfair Claims Settlement Practices with the objective of exhausting us so that we vacate our Claim. On XXXX, Claims Examiner XXXX XXXX XXXX confirmed our Claim was complete and had been sent to the " Quality Department '' for approval and our re-imbursement. On XXXX Card Benefit Services came back asking for documentatin already in their possession, but for it to be submitted in another form - all related to a small {$24.00} XXXX  ticket. These documents were supplied by email on XXXX. They were also uploaded to the web portal on XXXX. We were told on XXXX by Claims Examiner ( XXXX ) that the claim was complete, again, and would be going to the " Quality Department '' for approval - again. We were told by the Claims Examiner ( XXXX XXXX XXXX XXXX XXXX ) to expect the re-imbursement during the week of XXXX. We did not receive the re-imbursement. Instead, on XXXX we received a FRAUDULENT claim by Card Benefit Services that they still needed the documents on the {$24.00} XXXX XXXX. This is a FALSE statement. Once again, Card Benefit Services and XXXX XXXX XXXX are committing Unfair Claims Settlement Practices by continueing to delay and deflect our valid claim. Chase Sapphire Reserve has chosen to contract with the vendors of Card Benefit Servies and XXXX XXXX XXXX  to provide their guranteed travel insurance benefits. These vendors have failed to provide the XXXX XXXX XXXX for which we pay nearly {$750.00} a year to receive. This is JP Morgan Chase 's issue to fix with their contracted vendor so we receive the guaranteed XXXX XXXX benefit offered on our Chase Sapphire Reserve Credit Card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-01 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:
I am filing this FTC Identity Theft Affidavit to report XXXX separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a account opened at XXXX XXXX {$340.00} on XXXX the account number XXXX, an a collection opened at XXXX {$3500.00} on XX/XX/XXXX the account number XXXX, and another account opened at XXXX XXXX on XX/XX/XXXX {$4000.00} under the account numberXXXX, another account opened up at XXXX {$2000.00} account number XXXX on XXXXThese accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
CFPB Complaint against Credit Reporting Agencies.. 

Consumer Name : XXXX XXXX XXXX Social Security Number XXXX Consumer Date of Birth : XXXX .This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CLGF Holdco 1, LLC
State: WA

Complaint narrative:
On XX/XX/2024, received notification from XXXX that my credit had been checked by " CB Indigo '' in XXXX, XXXX for a credit card. My wife got the same notification at the same time, but she had her credit frozen at the time. I immediately froze my credit and reached out to XXXX to remove the hard inquiry from my report, which they did. The hard inquiry did not show up on my XXXX or XXXX reports. 

When calling the XXXX number listed on the hard inquiry, it took me to a very sketchy sounding " debt collection agency '' and asked me for my SSN. Not wanting to provide that information to an unknown entity, I hung up the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Mercury Financial Intermediate LLC
State: IN

Complaint narrative:
The information in the remarks field is missing or incorrect The credit limit and/or high balance is incorrect. 

This Mercury card company has been reported to Consumer Financial Protection Bureau for fraudulent charges, dates, lied about interest rates, lying about missed payments. They said derogatory remarks to be deleted. Company is a scam. 

This company should be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: NH

Complaint narrative:
" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing.

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered 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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I received an email notification from XXXX XXXX  stating that there was new hard pull on my credit report that I did not authorize this was done on XX/XX/year> at XXXX and it was added to my XXXX credit report that why I am filing this dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have carefully examined my current credit report and found several accounts that appear to have been added without my authorization.

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 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX request that my name be updated to reflect the correct information. 

XXXX. Date of Birth : The date listed on my credit report, XXXX, is listed incorrectly. I request that my Date of Birth, XX/XX/year>, be updated. 

I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license and social displaying my correct name and Date Of Birth.

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 2024-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I received a letter in the mail that starting XX/XX/year>, the interest rate on my Nordstrom XXXX card is increasing from 22.65 % to 31.15 %. Since I have been a good customer with Nordstrom XXXX and have always made my payments on time, I was concerned that there was derogatory information in my credit file that was causing this increase. 

On XX/XX/year>, I spoke on the phone with a representative for the company to inquire about the reason why my credit card 's interest rate was increasing so dramatically. She reviewed my account and determined it was in good standing. She mentioned that this new increased interest rate is being applied " across the board '' for all cardholders in good standing. Personally, she felt that the increase was huge, but that this decision was made by the corporate arm of Nordstrom. 

As a consumer, I am outraged that Nordstrom XXXX is imposing such a huge interest for all cardholders in good standing. This is particularly galling since interest rates have dropped recently. This type is rate is normally reserved for customers that are risky or have derogatory items on their credit report. 

Thank you for looking into this matter for me. 

Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low credit score due to these errors.

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 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: PA

Complaint narrative:
I am disputing several inaccurate entries on my credit report that are being reported by Jefferson Capital Systems and XXXX XXXX XXXX. These accounts are incorrect, unverifiable, or outdated, and they are negatively impacting my credit score. Despite my efforts to resolve these disputes directly with the creditors, these inaccuracies have not been corrected. 

The specific accounts in question are as follows : 1. Jefferson Capital Systems : {$390.00} 2. Jefferson Capital Systems : {$1000.00} 3. XXXX XXXX XXXX : {$3900.00} These accounts do not reflect my true financial standing, and I have provided documentation showing that they are either erroneous or can not be verified according to my rights under the Fair Credit Reporting Act ( FCRA ). I believe that these accounts should be removed from my credit report to reflect accurate information. 

I have attached my formal dispute letter and supporting documentation, including copies of my credit reports showing these disputed accounts. I am requesting the CFPB 's assistance in resolving this matter, as these entries continue to damage my financial reputation despite my lawful right to challenge and correct them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: TX

Complaint narrative:
I see that there are inaccurate inquiries on my TransUnion credit report that should not be there. The inquiries are as follows : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2024-10-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIZENS FINANCIAL GROUP, INC.
State: LA

Complaint narrative:
My name is XXXX XXXX XXXX, a federal protected consumer, and I am making this complaint against for committing identity theft. I have never CITIZENS PAY CREDIT XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt CITIZENS PAY CREDIT XXXX. and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XXXX, I have not received documentary evidence, such as a trilateral contract, XXXX XXXX XXXX any right to collect on this alleged debt. 

I have never received any documentation requesting validation from Citizens Pay Credit Line, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If Citizens Pay Credit XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continue its collection efforts, I will file for litigation for actual damages caused and CITIZENS PAY CREDIT XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. ACCOUNT - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>, vendor XXXX XXXX refunded a single transaction return in the amount of {$420.00} to my credit card through PayPal. 

PayPal immediately processed the refund, but for some reason the refund was split into XXXX amounts : {$200.00} back to my credit card, and {$210.00} into a PayPal balance account. 

When I received my credit card statement and noted only the {$200.00} out of {$420.00} had been refunded, I called XXXX XXXX customer service and they informed me that they had submitted for the full refund back to my credit card, so they advised me to ask PayPal for clarification. 

On XX/XX/year>, I reached out to PayPal by chat message to request clarification as to why the full amount was not refunded to my credit card, and to request that it be remedied. 

I chatted with XXXX customer service agents at PayPal, and both insisted that it was the seller/merchant ( XXXX XXXX ) that had submitted the refund this way. They also repeatedly offered that I could claim the funds from the PayPal balance by either linking my bank or card account ( that they already have on file ), but it does not provide the option to refund the balance to the card already linked. The other option is to request a paper check ( for a fee ). 

On XX/XX/year>, I called XXXX XXXX customer service again, and explained PayPal 's response. They researched the detail of my refund, provided me with access to the refund documentation showing a single refund transaction to credit card. They stated that if any split occurred in the refund, that it was not initiated on their end. 

Please find attached copy of the initial refund confirmation from PayPal, itemizing the split, my chat record with PayPal, and the refund detail from XXXX XXXX showing a single refund transaction to credit card for the amount of {$420.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Profit Recovery, Inc., Marlborough, MA Branch
State: PA

Complaint narrative:
XXXX XXXX XXXX did not give me any service I did not authorize this account. I should not owe XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove all fraudulent activity off my credit report as it is hurting my ability to obtain credit. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
the companies involved failed to delete misleading information and wrong and inaccurate reporting on my credit report and its affecting my credit score

Company response to consumer: Closed with non-monetary relief