vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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:
I have mailed each credit bureau ( XXXX, TransUnion, and XXXX ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a XXXX letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from TransUnion stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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:
I have mailed each credit bureau ( XXXX, XXXX, and Experian ) as well as the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX regarding inaccurate information reporting on my credit report. I requested validation of debt on XX/XX/2023 and XXXX XXXX XXXX did not validate the debt by providing the requested documentation, a XXXX letter was sent to the company for failure to validate on XX/XX/2023 and I received a response that they will not look into this any further. In addition to sending the company 's letters, the credit bureau stated it was accurate information but did not provide the method by which the information was obtained when it was requested on XX/XX/2023. I received a letter only from XXXX stating that took proper measures but never stated which methods as requested in the letter. All three credit bureaus are reporting different high balances on this account. As you are aware, there can only be one high balance on an account. This account has not been properly verified.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting 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:
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. 

Account name : XXXXXXXX XXXX  XXXX {$360.00} 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 written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( XXXX ) 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. 

Experian continues to violate my rights with this creditor. Documentation has been submitted on multiple occasions and removed just for experian to violate my rights. This account has been proved fraudulent.

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 2023-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Rocket Mortgage, LLC
State: LA

Complaint narrative:
I filed a XXXX XXXX bankruptcy in XXXX of 2022. I fell short on some of my mortgage payments and my atty. failed to inform me that it is extremely imperative that i maintain my mortgage payments to avoid foreclosure even though i have some protection from creditors under the bankruptcy. 

Well, i got behind a few payments and unbeknownst to me, the mortgage company had their attorney to start the foreclosure process. I rec 'd a notice informing me that i had to come up with a substantial amount of monies by a certain date and a phone hearing was set up. I fortunately was able to get caught up with my IRS refund check. 

Yet, the mortgage attorney still pursued her court costs, and attorney fees!. I was baffled, here i am struggling to keep my home, i have absolutely no financial resources for anything. I am living paycheck to paycheck, having to pay this trustee almost $ 800 monthly, and yet here i get slammed with almost {$700.00} fees to someone who was hired to pursue taking my home. 

A XXXX  XXXX is NOT in best interest of an individual debtor, it is a money scheming system that totally is for the judges, attorneys, trustees and their XXXX party XXXX. Its shameful, how large corporations can walk away scot free from their debts with a XXXX XXXX and bounce back with a whole new company under a new name like nothing ever happened. 

Individual debtors who can not file XXXX XXXX are at the mercy of these people under a XXXX XXXX. I was told I did not qualify for a XXXX XXXX because of the equity in my home, yet, when i tried to do a home equity loan i was quoted a very low amount of money i could get or denied. this is absolutely ludicrous and the legislators need to restructure XXXX XXXX whereby poor innocent debtors are not maltreated and disgraced by creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
- On XX/XX/2023, Chase bank put my account under a legal hold and overdrew my account by {$99.00} XXXX. Calls to their customer support redirected me to their Court Orders and Levies team - From XX/XX/XXXX till XX/XX/XXXX I made several calls to the Court Orders and Levies team but was either given rude replies " Nature of this hold does not allow us to share information '' or was told that they do not have information and can not share 'Proprietary Chase Bank procedures ' with me. 
- On XX/XX/XXXX I visited Chase branch at XXXX XXXX TX XXXX and requested for help from the customer support executive. He called the same Court Orders and Levies team and was given the same answer - On XX/XX/XXXX I emailed another Chase bank Account Rep who had opened my account at Chase in XX/XX/XXXX with a request to help Urgently. He was directed to the same Court Orders and Levies team with same answer " We do not have any information for you on this hold ''. 
- I have consistently asked Chase to provide details on why this hold is valid since it has stopped my business completely and I can not use my account to make payments to my suppliers. All my current funds destined to suppliers have been held back resulting in collection letters/ emails from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: IL

Complaint narrative:
Everytime I have an issue with a merchant and dispute the transaction for valid reasons Cash App denys the dispute. Today XX/XX/2023 I contacted Cash app as instructed by the app to do so, I spoke with rep who only confirms that dispute was filed and denied but doesnt provide info as to why. I explained in both instances it was a scam and that no product has been provided as promised and when researched no other information to contact both merchants are listed. I asked if Cash app denied dispute what contact info to these merchants has been provided or confirmed which rep had no clue. I asked to speak with supervisor about the matter which he stated one would contact me by email. I wasnt provided any contact info and no refund of my purchase since my dispute was denied with no indication of how this decision was made,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NC

Complaint narrative:
I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account. I firmly believe that this limitation was placed in error, as I have not violated any PayPal policies or engaged in any activities that warrant such action. 

I kindly request PayPal to re-evaluate my case and conduct a thorough investigation into the circumstances that led to the limitation of my account. I am confident that upon re-examination, it will become evident that there has been a misunderstanding or mistake. I have always strived to adhere to PayPal 's terms of service and have been a responsible user of the platform. 

I kindly ask for your understanding and cooperation in resolving this matter. I understand that PayPal must take appropriate measures to ensure the security and integrity of its services, and I fully support these efforts. However, I strongly believe that my account has been mistakenly flagged, and I request that you give it a fair review. 

If possible, I kindly request PayPal to restore my account to its previous state, allowing me to continue using your services for my online transactions. I have been a loyal customer for a significant period of time, and I have always appreciated the convenience and reliability of PayPal. 

For your reference, the email address associated with my PayPal account is XXXX. I kindly request you to take this matter seriously and expedite the investigation process. 

Thank you for your attention to this matter. I sincerely hope for a prompt resolution and the reinstatement of my PayPal account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is not telling the truth. They are adding XXXX things to my report to make it look like they are doing something. In 11 days I pay XXXX again and they will say the fixed the problem THEY DID NOT they just waisted time toll 3 more bills were paid supporting documents prove my case

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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: WA

Complaint narrative:
I sent a cancel request via Experian website. They were unable to close my " free '' account that is rushed with ads, so they instructed me to call. I called in this morning and was told they would not close my account. I've sent close to XXXX requests this morning asking for it to be closed with nothing but negative responses. 

Predatory, criminal, and incredibly annoying. Experian needs to be completely overhauled in the XXXX, I have NEVER been less satisfied with a service. Especially a " free '' one.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, 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 did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this letter in response to the recent collection notice I received from XXXX XXXX XXXX I have previously disputed this account, but have received a response stating it has been verified. However, as per my rights under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the method of verification, which to date, has not been provided. 

I respectfully request that you provide me with a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information, and the telephone number of such furnisher, if reasonably available, in accordance with section 611 ( a ) ( 7 ) of the FCRA. 

If this information can not be provided, I would ask that you immediately delete the disputed item from my credit report, in accordance with the FCRA. Failure to comply with federal law may result in legal action being taken against TransUnion. 

I trust you will handle this matter with utmost priority and rectify my credit report promptly. Thank you in advance for your cooperation in this matter.

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 2023-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I was the victim of abuse and financial exploitation of a vulnerable adult and several accounts were opened in my name while I was XXXX. Numerous attempts to have this account removed from all three credit bureaus has been made, but the account holders continue to attempt to collect the debt despite knowing the items are the direct result of domestic violence and the abuse of a XXXX individual as documented in APS reports. I have had to flee XXXX miles with my XXXX child and these issues are hindering my ability to house my XXXX child  and obtain services for him. I have no support system in this area that I was forced to move to for safety and it is imperative these issues be addressed and removed immediately. The proper law enforcement ( APS ) forms and FTC reports have been provided, yet the account holders continue to verify the information is " accurate '' and " updates '' it to keep it on the report. Several agencies realize that the accounts are legitimate fraud, and continue to sell or resell the accounts nearly monthly as they know the monies are not recoverable legally. Please remove these accounts from all three reports as I am not legally responsible for them as I was XXXX XXXX/under duress during the time of the purchases and can not be held liable, and the documented victim of financial exploitation.

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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to DELETE these fraudulent information 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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I was summoned and required to answer a complaint on XX/XX/2023 for a repayment of XXXX. I do not owe that amount. This is incorrect information. I responded for them to give proof of these purchases being made by me. On XX/XX/2023 I received an email from a company XXXX  asking for payment of XXXX dollars. I called them and they proceeded to inform me of a loan over XXXX dollars this is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I received a copy of my credit report with the intention to trying to improve my credit and take care of my liabilities and noticed an issue on my previous account with a lender. I know the information associated with the account is not correct and needs to be updated. Unfortunately, my experience with XXXX XXXX in the end was not fond. On XX/XX/XXXX, I received a letter ( attached ) from XXXX XXXX informing me they were closing my credit card account with a refund of {$50.00}. This in turn showed me I did not owe them any monies after XXXX XXXX closed the account. I deposited the check and shredded my card for no usage. Recently, unfortunately, I received a notification that my credit balance increased and XXXX late payments were reported to the credit bureau. This lowered my credit score for months after I went through hardships of building my credit back up from being labeled poor. Another issue I have is that XXXX XXXX does not have any record of sending the letter to me so my account incurred charges, late fees, late payment on my records and credit report. 


The Fair Credit Reporting Act where it said by law, I have the right to challenge anything I am sure is not up to date. 15 U.S.C.Sec. 1681i ( a ) gives me the right to request the account deleted if they do not make the account 100 percent correct or up-to-date. I saw on a credit site and board where this lawyer said they have 30 days to complete this investigation. Please investigate the following account and remove it if anything is missing, not up-to-date or correct. Below please complete the following to update the account or delete the account entirely : Account Name : XXXX XXXX Account last XXXX : XXXX Close my account with the closing date of XX/XX/XXXX not with the date of XX/XX/XXXX. 
Remove any late payment dates after XX/XX/XXXX ( XX/XX/XXXX and XX/XX/XXXX late payment reported after XXXX XXXX closed the account ) Waive all the late fees and charges on the account incurred after XX/XX/XXXX ( account was supposed to be closed ). 
Change the credit card balance on the credit report from $ XXXX {$250.00} to {$0.00} ( prior to closing the account, it was paid up. That is why a check was issued to me ). 
Change amount Past Due to {$0.00} Change worst payment status to Current Please see attached XXXX XXXX letter that was received on XX/XX/XXXX stating they were closing the account with the refund amount of {$50.00}. In addition, the reported misinformation on my credit report as of XX/XX/XXXX is attached. 

Thank you for your assistance.

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