vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequoia Financial Services
State: CA

Complaint narrative:
On XX/XX/year>, I was contacted by Sequoia Financial Services regarding a {$110.00} debt that they claim I owe. I do not owe this debt. 

In the previous complaint # XXXX, Sequoia Financial Services acknowledged this mistake. On XX/XX/year>, they agreed to terminate all communication with me. However, clearly they have violated the agreement by continuing to send me mail communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: IN

Complaint narrative:
According to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, section 602 ( a ), consumer reporting agencies must carry out their duties with fairness, impartiality, and respect for consumers ' privacy. Equifax, XXXX, and XXXX are consumer reporting agencies bound by these principles. As a consumer, I am entitled to ensure my private information is safeguarded, supported by 15 U.S.C. 6801, which obligates financial institutions to protect customers ' nonpublic personal information.

15 U.S.C. 1681, section 604 ( a ) ( 2 ), states that consumer reporting agencies can only furnish a consumer report with the consumer 's written instructions. Neither Equifax, XXXX, XXXX, nor any financial institution providing information to these credit agencies has my explicit written consent to share my information. Therefore, any previous consent, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 

15 U.S.C. 6802 ( b ) ( c ) mandates that financial institutions can not disclose nonpublic personal information to third parties without giving consumers the option to opt out. I was not informed of my right to opt out by any information furnishers. Additionally, 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information older than seven years in a consumer report, except for criminal convictions. The adverse item reported on my account without my consent violates this regulation.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) prohibits furnishing information to a consumer reporting agency if it is known or believed to be inaccurate. Furthermore, 15 U.S.C. 1681e requires consumer reporting agencies to maintain reasonable procedures to avoid violations of section 1681c and limit the furnishing of consumer reports to permissible purposes. 

Equifax, XXXX, and XXXX are not adhering to these procedures. Under 12 C.F.R. 1016.7, I am exercising my right to opt out of their reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 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: FL

Complaint narrative:
I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is 2 ID Theft reports listed due to not having enough space.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 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:
I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is 2 ID Theft reports listed due to not having enough space.

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 2024-10-20 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: Bridge IT, Inc.
State: NY

Complaint narrative:
Date opened XX/XX/XXXX XXXX {$600.00} I have contacted them about this Report in XX/XX/XXXX, by XX/XX/XXXX this matter is still unresolved. Attached is the letter that was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Company call everyday, at least 5 times a day, as early as XXXX, and on weekends as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: MI

Complaint narrative:
I have tried to dispute this debt on my credit report twice already letting them know I have lived in Michigan for the past year and a half. Having a medical charge from Texas while I have been living in a women 's shelter across the country is impossible, let alone two of the same charge from an AssetCare LLC. These are dated XX/XX/XXXX for {$980.00} in XXXX, Texas. I have lived in Michigan sincXXXX XXXX XXXX XXXX and currently reside in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
I was promised a car from the seller, which I didn't receive, bottom line. I sent the seller {$80.00} to paypal, {$6.00} fee. When I found out that I was scammed, I disputed the funds for a refund. I then receive an email from Paypal that their decision found in favor of the seller because the only option to send the money was a personal transaction and not goods and services. 

So now I am disputed the same transaction through my debit card. I've talked to numerous chat and phone rep regarding the status of my dispute and they tell me that it could take up the 90 days for their decision. This is unacceptable to me, so this is why I've placed this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have identified inquiries, collections, and accounts on my consumer report that has been furnished without my written consent, instructions, or permissible purpose which is considered identity theft. Please see attachments for police report case number, ID for identification verification, and copy of credit card bank statement for additional identification verification. There is 2 ID Theft reports listed due to not having enough space.

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 2024-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
In XXXX of XXXX our mortgage began to be serviced by Newrez. We had arranged with the original mortgage XXXX, XXXX XXXX XXXX, that we would be responsible for the payment of homeowners insurance and real estate taxes. In early XXXX we received notice that XXXX was starting to charge us escrow fees to pay real estate taxes. I immediately called Newrez to resolve the matter as we had already paid the first half of the taxes. After much discussion, I was told that the matter would be sent yo the Escrow department for research. I made my regular payment when due.

I received no response from the escrow department. Instead, Newrez made the 2nd half payment. They then billed for the regular laymejt, escrow amount and charged a late fee. I contacted Newrez and agreed over this. I explained that until they gad resolved everything that I was not going yo make a payment as I did notvwantvit to get even more confused. The Newrez escrow debt. finally decided that we were correct and there would be no escrow collected for future taxed, but they would to recover the taxes they had paid. I protested this and made arrangements to repay the tax payment in full. It was agreed that there would be no late fees or interest on any unpaid balance once the taxes were repaid. The payment was made. The late fee and interest is still being charged. During all of this we discovered that the automatic payment we had tried to set up was not working. We were told that
the account information for our credit union was not entered correctly. We had set up payment information for one time payments from the same account. One time payments went through. We copied and pasted the account information from the Newrez one time payment screens into the automatic payment screens. They were identical. When we checked later we discovered that a number had been dropped out of the system. We are not able to correct this as it can not be done with any outstanding balance showing.

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 2024-10-20 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:
Date opened XX/XX/XXXX XXXX {$2100.00} I contacted them about this reporting in XX/XX/XXXX, by XX/XX/XXXX this matter is still unresolved. Attached is the letter sent

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im filing this report against both Experian and XXXX for a debt on my credit report, both data furnisher keep updating a debt ( XXXX ) account number XXXX on both of my credit report. This debt was in repossession since XX/XX/year> but both agencies keep updating the debt to make it seem like it was a newly acquired debt, this is incorrect reporting and its hurting my ability to obtain credit at this time. Please see attachments below

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 2024-10-20 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: MD

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. 
XXXX XXXX XXXXXXXX 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 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
Consumer complaint received 2024-10-20 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: MD

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. 
XXXX XXXX XXXXXXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX I attempted to book a flight on Chase Travel from Lisbon Airport to Newark Airport via United Airlines ( flight UA 65 ). I chose to pay with my Chase Sapphire points ( 92,952 points ). When I completed the travel information and clicked Book, I was taken to an error page that said my request could not be completed. I tried again, got the same error. I excited Chase Travel and booked the same flight directly with XXXX XXXX. I never received any email from Chase saying that the purchase was actually successful and did not receive any flight/travel confirmation emails from Chase. 

Around XX/XX/XXXX I received a phone call from XXXX XXXX telling me that I was booked twice for the same flight ( UA 65 ). I told them it must be fraud and XXXX XXXX cancelled the duplicate booking. 

A few days later I realized that Chase had deducted the XXXX points from my rewards and told me that I actually successfully booked the flight and because I booked an Economy ticket, I was not subject to a refund. I have called Chase XXXX times and have not been able to resolve this. They are telling me that I booked a flight successfully and therefore am liable. I have asked countless times for proof that they sent me a trip confirmation email which they refuse to provide. This is fraudulent on Chases part and XXXX months later they have not refunded me or even attempted to resolve this issue. I have been bounced around to several agents and nobody is willing to escalate the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this 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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Dispute and Request to Update Personal Information Dear Sir/Madam, 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 : Name : My current legal name is XXXX XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 


Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my current address be updated accordingly. 


Contact Information : My only current phone number is XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number.

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 2024-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. 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 block this 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 explanation
Consumer complaint received 2024-10-20 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: TX

Complaint narrative:
Heres a more detailed version of your CFPB complaint : Subject : Repeated Failure to Remove Unauthorized Hard Inquiry FCRA Violation To Whom It May Concern, I am writing to file a formal complaint against TransUnion for repeatedly failing to remove an unauthorized hard inquiry from my credit report, despite multiple requests and promises that the issue would be resolved. 

The unauthorized inquiry, which was added to my credit report on XX/XX/year>, occurred without my consent or authorization. Upon noticing this, I contacted TransUnion on several occasions to have the inaccurate information removed. Specifically, I reached out on XX/XX/year>, and again on XX/XX/year>. During my most recent interaction on XX/XX/year>, I was provided written confirmation from TransUnion stating that the unauthorized inquiry would be removed within two days. However, despite this written assurance, it has now been more than a month, and the unauthorized inquiry remains on my credit report. 

TransUnions repeated failure to remove this incorrect information constitutes a violation of the Fair Credit Reporting Act ( FCRA ). As you are aware, the FCRA requires that credit reporting agencies investigate and correct inaccuracies within 30 days. The inquiry has not been removed within this legally mandated timeframe, despite multiple requests on my part and clear communication from TransUnion that they would take action. 

The presence of this unauthorized hard inquiry on my credit report is continuing to negatively affect my credit score, and the lack of resolution is causing me significant frustration and financial harm. I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure that TransUnion fully complies with their legal obligations under the FCRA and removes this unauthorized inquiry from my credit report. 

Additionally, I would like confirmation that my credit score will be updated to reflect the removal of this inquiry, as it has unfairly impacted my overall financial standing. I have documentation of my interactions with TransUnion and am prepared to provide any additional information that is necessary for the investigation. 

Thank you for your time and assistance in this matter. I trust that the CFPB will help to ensure this issue is promptly resolved. 

Sincerely, XXXX XXXX [ Your Contact Information : Phone and Email ]

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