vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
On XX/XX/2024 at XXXX I called Chase to inquire about applying for a new credit card. Two of my accounts had been closed the previous month without my knowledge by Chase. I called customer service XXXX to find out if applying for another credit card at Chase would be an issue. The rep told me that she did not see any blocks on my profile and that i should apply and that I would be approved. But she said ultimately would depend if your credit score is high enough. My credit score is above XXXX. XXXX confirmed to me that I was not blocked from ever having a Chase credit card and that I could apply as many credit cards as I wanted. But I told her that two of my credit cards had been closed recently. She said you can not have those same credit cards but you can apply to other credit cards we have online and we have many. This rep deceived me and provided misleading information because a week later I got a letter from the fraud department stating that my account was closed at Chase. I had just been approved for a Freedom Flex Chase card with a limit of {$13000.00} approved on XX/XX/2024 at XXXX. But my account was quickly closed. I am upset for being misled and lied to about applying and knowingly they knew that I would be rejected in the end but good for their numbers. Now my credit score is ruined and it went just below XXXX due to this application. I think that if Chase knows that they don't want you apply to any credit card they should state so. Providing misleading information does not help us customers and it ruins our credits. Chase should just state you can no longer apply to any Chase credit card period. Now my chances of applying to other credit cards is limited since my score went down. But nevertheless XXXX XXXX took my application and approved me for a new credit card same day. But the damage by Chase has been done and I wish they would have been truth full and not misleading and using deceptive tactics to entice consumers to apply when they know the application would not get approved in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: CA

Complaint narrative:
Subject : Complaint Against MRS Bpo , LLC for Unjust Collection Practices and False Threats Dear Consumer Financial Protection Bureau, I trust this letter finds you well. I am submitting a formal complaint against MRS Bpo , LLC, a third-party collection agency located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. The creditor associated with this collection is XXXX XXXX XXXX Bank, and the alleged balance due is {$15000.00}. 

My name is XXXX XXXX, and I am writing to express my deep concern regarding MRS Bpo , LLC 's unjust collection practices. The basis of my complaint is that the debt in question has been identified as fraudulent and removed from my credit report due to identity theft. The removal has been successfully confirmed with both XXXX and XXXX. 

Despite this resolution, MRS Bpo , LLC continues to contact me, making false threats of filing a collection against me if I do not pay the disputed amount. This unwarranted harassment is causing significant distress and affecting my ability to proceed with important financial transactions, including the purchase of a home. 

Enclosed with this letter, please find copies of the supporting documents, including [ list the documents : proof of identity, evidence of charge-off removal from XXXX and XXXX, correspondence with MRS Bpo , LLC. 

I kindly request the Consumer Financial Protection Bureau 's intervention in investigating MRS Bpo , LLC 's unjust collection practices and ensuring they cease their actions immediately. I am committed to resolving this issue, and your support in bringing a fair resolution is highly appreciated. 

Your prompt attention to this complaint is crucial, given the urgency of my situation. Thank you for your commitment to consumer protection, and I look forward to a swift and just resolution. 

Sincerely, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
After checking my credit reports, I have noticed that on all three of my credit reports are showing several inquiries that I did not make and have no knowledge of. XXXX, XXXX and Equifax companies are unlawfully reporting an unauthorized inquiry on my consumer report. They are in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). I have not initiated any transaction with the following accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries are not mine nor do I have any open accounts for those dates which means by law they must be deleted. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I cashed third party checks of my co workers the bank is asking me to verify 2 payees that are the third party. When I called chase customer service I gave the phone number to them and they check through there public record system they say they cant trace the number to that names. Those same phone numbers are registered with chase with the same names as the third party payees. XXXX XXXX account number XXXX. XXXX XXXX XXXX account number XXXX. The bank customer service also is telling me since they cant find those phone number through the public record that the payees have to register the phone numbers with the social security department which doesnt sound right. What other prove do they need they dont want to release the money to the third party directly to their own bank account. It been over a year and no progress just getting worst. No one at chase cares and are accusing me of fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 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: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry 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 non-monetary relief
Consumer complaint received 2024-02-28 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: NY

Complaint narrative:
I reviewed my credit reports and it shows unverified and fraudulent items that violated the Consumer Law and violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I recently issued a complaint through the CFBP regarding an unauthorized repossession that took place on XX/XX/XXXX. I just received a response back from the alleged lender ( TD AUTO FINANCE ) stating that they in fact had a right to repossess the vehicle because I granted them Security Interest and Power of Attorney when signing the retail installment sale contract. When full payment was tendered to TD AUTO FINANCE on XX/XX/XXXX, there were additional supporting documents. Two documents that were included in that emailing were, a " Rescission of Security Interest '' and " Revocation of Power of Attorney ''. These notice removed TD AUTO FINANCES ' right/authority to repossess, interest in dividend payments, claim in security ( Asset Backed Securities ) proceeds and any other benefits I unknowingly granted when signing the contract. As a consumer I have a right to revoke and rescind my signature when there is a misrepresentation and/or omission of facts. I have attached copies of the two documents listed above that were sent to TD AUTO FINANCE on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to demand the immediate removal of fraudulent accounts from my credit report. It has come to my attention that there are unauthorized accounts listed under my name, which I believe are the result of fraudulent activity. 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 non-monetary relief
Consumer complaint received 2024-02-28 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: FL

Complaint narrative:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
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 2024-02-28 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NM

Complaint narrative:
I filed a dispute against fair collections & out ( XXXX XXXX in XXXX TX ). I filed the complaint as me Rent/fees were waived due to a break in. XXXX XXXX was the apartment staff at the time who we had to tell about our break in. I attached PDF images of the emails back and forth between me and XXXX and she did per her own words Waive the Rent. My girlfriend and I lived there and she also disputed it. Hers was corrected and removed from her credit and mine has been there for months. I spoke to XXXX on the phone a year or more ago saying they would process it and nothing has been done. Its a XXXX dollar debt but it was unfairly charged otherwise I would have paid it already. Please fix this, I feel discriminated as a XXXX citizen.

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 2024-02-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
1.XXXX XXXX XXXX XXXXXXXX account XXXX in the TRANSUNION credit report dated XX/XX/year> this account is marked as derrogatory in the account status and it is a totally incorrect information input. Please correct and change the account status to paid or delete the account. 
2.Last payment date discrepancies 3.Current payment status discrepancies 4.Remarks discrepancies 5.Closed date discrepancies Attached are the two reports from XXXX XXXX dated XX/XX/year> one from TRANSUNION and other from XXXX as prove to show that the transunion report has a lot of innacuracies In accordance with 15 U.S. Code 1681i ( 5 ) ( A ), ( i ), ( ii ), ( B ) ( i )

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 2024-02-28 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 have reached out to credit bureau to remove all these incorrect items on 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 non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TN

Complaint narrative:
On XX/XX/2024 I made a transaction which was flagged for unusual. No sure why because I sent money to this person before. How ever I was asked to send in documents to verify myself. My last name on this account is my maiden name. I sent them my current ID as well as my Birth Certificate, marriage certificate and divorce decree, my old ID with my maiden name of XXXX, a copy of my SSI card, and a picture of me with the date holding my current ID. I was told that this verified wasnt good enough and my account is still on hold. All my money is in this account and I have to wait till someone else reviews this. This is my second time going through this when I told them to update my last name last year. Now Im without money and no access to my account even doe I have gave more then enough to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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 would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00}.

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 non-monetary relief
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
I received a letter on XX/XX/XXXX from my local tax department stating that my property taxes were delinquent. My taxes are held and paid from an escrow account with my mortgage company, Regions. I reviewed the property tax section of my Regions account and saw where an amount was paid that did not match my original property tax bill. I contacted my local tax office and they stated that no payment had been made to my account. I contacted Regions and customer service stated that the parcel ID number on my Regions account differed from the one on my tax bill and county GIS, and they are unsure what account the money from my escrow account was paid to. I was informed that Regions would be responsible for any fees and penalties related to this bill being that the issue was on their end. I have spoken with numerous customer service reps over the last week and a half that assured me this issue was being reviewed by Regions tax service and that the bill would be paid before the due date. I received a call from Regions customer service today stating that they have been attempting to get an update from their tax service for two days but they have not received a response from them, so they could not guarantee the bill would be paid on time. Due to this and threats from my county tax department of foreclosure, wage garnishment, and having my name posted in the newspaper, I paid the full property tax amount out-of-pocket, which was over {$3200.00}. Outside of paying the bill and penalties on time, which they failed to do, Regions has not offered a resolution to this issue.

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 monetary relief
Consumer complaint received 2024-02-28 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: NC

Complaint narrative:
Sent a letter requesting inquiries off of my credit that were dated XX/XX/XXXX. I sent a report along with the letter requesting that inquiries NOT attached to any accounts and they are investigating an acct thats been valid for XXXX years! I dont want my file messed up because they arent following instructions. The inquiries from the XX/XX/XXXX letter need to be removed. 

They have all the info. I can not write them online because the disputes failed. This need to be fixed

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 2024-02-28 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: NC

Complaint narrative:
Sent a letter requesting inquiries off of my credit that were dated XX/XX/XXXX. I sent a report along with the letter requesting that inquiries NOT attached to any accounts and they are investigating an acct thats been valid for three years! I dont want my file messed up because they arent following instructions. The inquiries from the XX/XX/XXXX letter need to be removed. 

They have all the info. I can not write them online because the disputes failed. This need to be fixed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
In XXXX I hired consumer legal group to help me settle my debt. 
They sent out cease and desist letters to stop contacting me, and Chase has continued to contact me several times a day and a few times a week. 
I have informed them of my attorneys office, their phone number and all the information they need to stop calling me and I have been told by that company. They will continue to call me that they do not care that I have hired an attorney that this is my debt, and continued to harass me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CA

Complaint narrative:
I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX : {$9000.00} ; XXXX XXXX XXXXXXXX XXXX Balance : {$6500.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX 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 2024-02-28 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: FL

Complaint narrative:
I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 non-monetary relief