vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XX/XX/XXXX, Mr. Cooper Group Inc. erroneously charged our escrow account {$5400.00} twice for property taxes ( on XXXX and XXXX ). This error caused our escrow balance to go negative and increased our upcoming mortgage and escrow payment by {$990.00} ( from {$3200.00} to {$4200.00} ). Upon seeing this issue, we contacted Mr. Coppers Customer Service to correct this erroneous duplicate charge. We were initially informed by a Mr. Cooper representative that they had made an overpayment to the county and that they would request a refund for the extra payment. We subsequently received a follow-up communication from Mr. Copper indicating that the county refused to return the duplicate payment, but that the county would apply the extra amount paid to our upcoming XXXX taxes. 
To confirm this was accurate, we subsequently called the Countys Tax Office. However, a county representative said that only one payment had been billed and received. They even provided a tax ledger confirming our XXXX tax charges and the payments received. We then followed up with Mr. Cooper reiterating our request to reverse the duplicate payment and noting that the county only received one payment. We also shared, via fax, the countys ledger with Mr. Coopers Tax Team as proof of the duplicate payment.

Finally, we have received so much conflicting information from Mr. Coopers representatives as well. For example, one representative did confirm that the duplicate issue was the fault of Mr. Cooper, while another revealed that their payment vendor XXXX XXXX, and not the county was the entity refusing to make the refund. Despite our repeated attempts via phone, email, and fax, to reach a resolution with Mr. Cooper and their self-admitted error, the matter remains unresolved and we are still expected to make the higher payment on XX/XX/XXXX, which puts an unnecessary financial hardship on our family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I bought 2 XXXX XXXX Amex Gift Cards for my girlfriend for XXXX and she is unable to use them virtually everywhere. I also tried using them online and in person at numerous locations after she gave them back to me and they were declined everytime no matter where I tried to use them. Amex customer service via phone and online confirms the that they are activated and have a balance of XXXX XXXX on each card, but yet I am unable to get them to work or be accepted anywhere we have tried to use them. Customer service service online gives me the run around and it is near impossible to speak to an agent and when you do get someone they say it should work and they do this to protect my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report, specifically related to the following accounts : JPMCB AUTO XXXX. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I emphasize that I was the victim of inaccurate reporting, and it is perplexing why your bureau is not complying with the law. The Fair Credit Reporting Act ( FCRA ) mandates accurate and verifiable reporting, and other credit bureaus have recognized and rectified the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I have paid this account balanace off in full and it is still reporting to my credit report. I was denied credit but of this account remaining on my credit report despite being paid. I have fulfilled my end of the obligation, please remove it as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/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 explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
Venmo has been in possession of my funds since XXXX of 2022. They froze my account and later sent an email in XXXX of 2022 that the funds could be withdrawn after receiving my ID. However, that was also inaccurate. Due the minimum amount of funds I did not prioritize pursuing the matter. However, when I did reach back out to Venmo they then asked for my ID again in addition to information that I would imagine to be an unacceptable request and possibly a violation of state and federal law. 

( A picture ( not a photocopy ) of your unexpired government-issued photo ID that shows your legal name ( we can accept your driver 's license, state ID card, passport, or green card ). 
Copies of your past three statements for each bank account and card that has been associated with your Venmo Business Profile. 
Copies of any relevant business registration documents. 
A detailed explanation of your business model and a list of all URLs or websites that will be used to sell goods and/or services. 
Itemized invoices complete with customer contact information, including phone number, services provided, and tracking information if applicable for transactions between your business and USERNAME ) The complaint does not involve my business at all. Requesting financial statements for 3 months is inconceivable. 

I have sent my drivers license and a copy of the debit card associated and used on my account for the life of the account. 

Upon filing a complaint with the XXXX XXXX XXXX XXXX I reviewed their file XXXX complaints closed in last XXXX years. Most of which are complaints of stolen and frozen money that Americans Citizens are falling victim to. My issue is minor as it is only {$23.00}, It is nevertheless completely and utterly immoral. I hope that this agency will take action not only on my account but for the thousands of people in the US that experience hardships and irrevocable consequences due to this companies greed and lack of ethics. It is unfortunate and saddening to read some of this issue people have encountered. 

XXXX and XXXX has been an amazing help with companies like this. I would not advise using Venmo. Ive used many similar apps XXXX XXXX, PayPal, XXXX, etc and Ive never experienced anything like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was notified by XXXX that a card had been opened in my name at Kohl 's department store. There were $ XXXX {$800.00} in charges. I do not shop at Kohls and have not shopped there in years. I did not apply for that card. XXXX has contacted me and placed me in touch with Kohls ' fraud department. I filed a fraud report with the store. I have yet to contact XXXX XXXX, which is the company that finances Kohls, in order to get more information about the applicant, the card number etc. I am currently awaiting more information from XXXX. I plan to file a police report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: UT

Complaint narrative:
I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as delete the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

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 2023-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to express my extreme frustration and concern regarding the presence of fraudulent accounts on my credit report under your bureau. It has come to my attention that despite being aware of the fraudulent nature of these accounts, they persist on your records, tarnishing my financial integrity and causing undue distress. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

The fraudulent accounts in question are not only inaccurate but also a blatant violation of my financial security. I find it both bewildering and infuriating that your bureau has not taken immediate and aggressive action to rectify this egregious error, especially when other credit bureaus have already acknowledged and removed these fraudulent entries. 

XXXX XXXX - XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

XXXX XXXX XXXX XXXX XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand, without further delay, the immediate and aggressive deletion of these fraudulent accounts from my credit report. This is not a mere request ; it is a demand for the protection of my financial reputation and well-being. 

I am appalled by the lack of urgency displayed by your organization in addressing such a serious matter. The persistence of these fraudulent accounts reflects not only on your bureau 's incompetence but also on a blatant disregard for consumer rights and the potential long-term consequences for my financial standing. 

I have attached supporting documentation, including evidence of the fraudulent nature of these accounts, for your immediate review. I expect a thorough and swift investigation, leading to the removal of these fraudulent entries from my credit report. 

I demand a comprehensive written response within 15 business days outlining the actions your bureau will take to rectify this situation. Failure to comply with this demand will leave me with no choice but to escalate this matter through legal channels and file formal complaints with the appropriate regulatory bodies. 
The severity of this situation can not be overstated, and I trust that you will treat it with the urgency and seriousness it demands.

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 2023-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Dear Sir/Madam I am writing to you as a concerned consumer of the inaccurate reporting of information on my consumer report. 
The information has had a significant impact on my standing to retrain credit. Furthermore, I would like to iterate that I previously opted out with each financial institution and credit reporting agencies. Your failure to comply puts you at risk according to 15 U.S. Code & 1681 n - Civil liability for willful noncompliance. 

Please see the attached opt out letters and inaccurate information.

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 2023-12-28 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 was a victim of DATA breach and I have documents to support it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: NJ

Complaint narrative:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
New Information Reply to American Express response dated XXXX. 


Your letter makes no sense. I am not interested in the history of Amex or XXXX as this has no bearing on my fraud dispute. 
I am not responsible for services or products that I did not receive especially when you have evidence from XXXX dental reports that states under penalty and perjury that most the dental work charged was not performed and does not exist. 
On top of this you have also received a copy of California Superior Small Claims Court judgement for the full limit the court can legally give of {$10000.00}. I want a response that is relevant and addresses my letters which i have never received from your Company. 
I have been an upstanding customer who has paid in full and on time every bill for over 33 years. 
You may have been around 150 years but are not protecting your loyal customers and instead have sold out to crooked merchants and dont seem to care if its fraudulent or not. 
I expect the answers to this letter and my last letter. 
I also expect a phone call back as Ive been promised 7 times via phone. 
Your lack of service and personal response is showing that American Express is no longer the Great co it used to be. 
Lastly I also offered to attend your offices and show you that the work stated by the fraudulent dentist XXXX XXXX has not been done. 
You have refused. 
It is your duty to investigate with due diligence the charges Im disputing and you are not doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Urgent Assistance Request Account Restriction and Negative Balance Dear CFPB I hope this message finds you well. I am writing to seek urgent assistance regarding a distressing situation with my Chase Bank accounts. 
Overview of the Situation : On XX/XX/XXXX, my checking account was unexpectedly restricted and slated for permanent closure within XXXX business days, citing multiple claims being filed in a short period. Despite all claims being in my favor ( with supporting letters ), my account remains restricted. 
During this period, I was unable to access both my checking and self-directed brokerage accounts, causing significant distress. Account Restriction Details : Despite numerous calls and branch visits ( approximately XXXX calls and XXXX branch visits ), I couldn't obtain a clear explanation or resolution. 
XXXX weeks later, I regained access, but my checking account had a negative balance. Although I possess sufficient liquidated funds in my brokerage account, attempts to transfer and resolve the negative balance on the overdrawn account were declined ( i have proof of the regected deposit ). 
Financial Impact and Credit Score : This situation is adversely affecting my financial stability and credit score. I urgently need your assistance in resolving this matter to prevent further harm.

Requested Actions : Investigate the circumstances leading to the account restriction.

*Facilitate the resolution of the negative balance using available funds in my brokerage account. 
*Provide guidance on ensuring my checking account remains open until the balance is satisfied. 
*Enable the transfer of funds from my brokerage account to an external bank account. 
Documentation : I am willing to provide all relevant documentation, including claim letters, account statements, and any other necessary information. 
I appreciate your prompt attention to this matter. The sudden loss of access to my funds has created severe financial challenges, and I am hopeful for a swift resolution.Thank you for your assistance. 
God bless.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: FL

Complaint narrative:
Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-28 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: TX

Complaint narrative:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1900.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$3500.00} XXXX XXXX XXXX Balance Owed : {$790.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation