vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: MD

Complaint narrative:
I WAS IN A NIGHTCLUB WHERE MY PURSE WAS STOLEN IN XXXX, I WAS ADVISED TO START MONITOR MY ACCOUNTS. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS I HAVE NO KNOWLEDGE OF OR AFFILIATION WITH. THESE ARE NOT MY ACCOUNTS. 
I CONTACTED EXPERIAN, XXXX, AND XXXX ADVISING OF THE INCIDENT AND REQUESTING VERIFICATION. 

I HAVE THE RIGHT TO PRIVACY AND I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO REPORT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT ADDRESSES THAT ARE NOT MINE ARE REMOVED TO PREVENT LINKING ME TO ANY OTHER FRAUDULENT ACCOUNTS

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 card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I am submitting this dispute by myself, and I am writing to follow up on the dispute letter I submitted on XX/XX/XXXX. 
I am writing to formally dispute an unauthorized inquiry that appears on my credit report. Upon reviewing my credit report, I noticed an inquiry that I did not authorize or recognize. 
Details of the unauthorized inquiry are as follows : Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX IXXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX Inquiry Date : XX/XX/XXXX Creditor Name : XXXX XXXXXXXX Inquiry Date : 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 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquiries. Attached is an FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
While going through my credit report I noticed an account that was not reporting accurately. I have two late payments that were paid as agreed and on time. Consumer reporting agencies have a duty to report complete and accurate information. As proof that this account was paid in time, Im attaching a copy of my report to this complaint for the following date XX/XX/scrub>XXXX XXXX XXXX XXXX. Youll see that two of the three reporting agencies is reporting accurate information., that I did in fact paid my account as agreed. I request that you investigate and provide verifiable proof with records and/or documentation showing that I made late payments. When this information can not be verified, I demand that these payments be reversed to paid as agree paid on time immediately. Thank you for your time and prompt actions.

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 card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/2024, I overlooked and missed a {$15.00} payoff. 

I contacted Synchrony Bank to make the late payment and was informed that the new payoff amount was now over {$32.00}. This increase is over 100 %! I consider this to be usurious as, per definition, a loan may be considered usurious due to excessive or abusive interest rates or other factors defined by the laws of California. 

Synchrony Bank 's front line representative, a person whose name starts with 'XXXX  ', refused to consider any corrections until I demanded to speak with a supervisor, a person whose name starts with XXXX '. 

Eventually, XXXX ' and I reached a {$17.00} figure for the payoff. 

Given XXXX XXXX resistance, those individuals who succumb to the credit threats and probable additional fines, penalties and fees are part of a gouging scheme prompted by Synchrony Bank on patrons of J.C. Penney

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XX/XX/scrub>XX/XX/XXXX i sent experian a letter disputing some collections that are reporting on my credit report and asked them to verify the information they are reporting to my credit. it has been over 45 days and i have yet to get a response from the company or have even processed my request.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/scrub>XX/XX/XXXX i sent transunion a letter disputing some collections that are reporting on my credit report and asked them to verify the information they are reporting to my credit. it has been over 45 days and i have yet to get a response from the company or have even processed my request.

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: TX

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be 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 2024-02-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My Chase credit card began to be swiped for several weeks on XX/XX/2023. I only found out on XX/XX/2023 that almost more than XXXX XXXX US dollars had been swiped from the card. When I found out, I immediately called Chase Bank and told them that my card had been stolen. They also helped me change a new bank card and refunded the money on XX/XX/2023. It wasn't until last month that I discovered that my bank credit card account had been rebilled. I also called Chase Bank to inquire. They said that through investigation, they found that the stolen money was used by me. I told them that it was not used by me. There are places Ive never been to where I wouldnt spend money. Chase bank said that it would open another file to help me investigate. It was not until yesterday that I received a letter from Chase about the investigation results. Chase once again said that through investigation, it was found that I had used it and could not help me get the money back. I am very disappointed. I have used Chase bank cards for almost XXXX years, and this is the XXXX  time I have found that they have been stolen. However, their investigation methods make me feel that they are very casual and do not seriously help us consumers. I hope cfpb can help me recover my stolen money. I'm still a student and there's no way I can pay back the money that was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: Block, Inc.
State: GA

Complaint narrative:
I am writing to express my concern regarding my funds being held by Square. my account got deactivated onXX/XX/XXXX, i got a mail from square that my funds totaling {$190000.00} has been inexplicably withheld for a period of 90 days, up to this moment my funds is still yet to be released which is causing significant financial strain and hindering my ability to conduct business effectively. 

Despite numerous attempts to resolve this issue through Square customer support channels, I have encountered nothing but frustration and delays. The lack of transparency regarding the reasons for withholding my funds only exacerbates the situation. 

I demand immediate action to release the entirety of my funds without further delay. Furthermore, I expect a thorough explanation for this unacceptable inconvenience, Failure to address this matter promptly will leave me with no choice but to seek legal recourse and escalate this complaint through appropriate channels. I trust that you understand the urgency of this situation and will act accordingly.

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: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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: TX

Complaint narrative:
These requests are irrelevant to me, and I didn't give approval to them. I demand their prompt expulsion 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 2024-02-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
Net Credit in XXXXXXXX XXXX XXXX agreed to a structured settlement with XXXX XXXX on my behalf. XXXX XXXX has been paying them {$170.00} a month, in XXXX, XXXX, XXXX, XXXX, and XXXXXXXX XXXX XXXX. I wanted to honor the settlement agreement and called Net Credit today at XXXX to pay the balance on the settlement in full of {$2200.00} and Net Credit will not accept the payment in full.

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 — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Experian has been reporting multiple incorrect names on my report. Such incorrect spelling of the names has me to believe information reporting does not belong to me. I am requesting all incorrect names to be remove immediately so I can I have a correct updated 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 non-monetary relief
Consumer complaint received 2024-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: SELECT PORTFOLIO SERVICING, INC.
State: LA

Complaint narrative:
In XX/XX/XXXX, I requested that Select Portfolio Services, LLC remove the PMI on my mortgage because it was at 80.09 %. Instead, they decreased the ratio -- 14.25 % -- AFTER I requested they drop the PMI. I am paying {$39.00} a month for something I worked hard to get rid of. When I complained, they ignored me and threatened me saying I would have to approve of them getting a estimate or something on my home and would not give me a price on how much that cost to see if they could remove the PMI. The customer service agent said it could cost {$1000.00} to {$1200.00}. When I submitted a complaint, they completely ignored the PMI and sent in a stock letter to CFPD for the numerous complaints I generated. Attached, you will find a screenshot of their customer dashboard in XX/XX/XXXX showing the Ratio was 80.09 % and the other screenshot is of the customer dashboard from yesterday, XX/XX/XXXX showing the ratio is 14.25 % decreased. Why? This is a scam. I also sent them the same letter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
There are XXXX credit card accounts that were compromised and stolen. The account was used to make fraudulent charges and fraudulent payments were used to pay the charges. I have reported this to the creditor with no resolution.

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 — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have conducted a thorough UCC-11 '' search with the Texas secretary of state UCC Filing office, which has revealed that there are no, such as " no record of such a secured transaction exists under my name, '' " the debt has been satisfied as per filing number XXXX dated XX/XX/year>, '' or " the secured transaction was erroneously reported under my name ''. The accounts in question are -XXXX XXXX - Account Number : # XXXX - Reported Balance : {$8900.00} -XXXX XXXX XXXX XXXXAccount Number : XXXX. 
Reported balance : {$780.00} XXXX XXXX  : -Account Number : # XXXX Reported Balance : {$3000.00} Despite Numerous written requests, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. By the Fair Credit Reporting Act these Creditors have Violated my rights under Title 15 U.S.C 1681 602 States I have Right to Privacy Title 15 U.S.C Section 604 ( a ) Section 2, it also States a Consumer Reporting Agency can not Furnish an Account without my Written Instructions Under Title 15 U.S.C 1666 ( b ) ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I paid a reinstatement fee of {$13000.00} to make up for missed payments as I was sick after that I was told I owed an additional {$1500.00}. 
On XX/XX/XXXX I received a letter of intent of foreclosure after being late 30 days. 
On XX/XX/XXXX I received a letter of escrow increase in the amount {$2400.00} plus starting in XX/XX/XXXX On XX/XX/XXXX I received a letter to inform me to get my own insurance as they were going to be paying XXXX per year. 
On XX/XX/XXXX I received a letter to inform me that they cancelled the insurance as my new insurance company sent them the paperwork, however they said that there was a lapse of insurance and they were going to charge me {$7500.00}. 

# 1 When they sent me a letter to reinstate the mortgage I paid the amount asked. 
The {$1500.00} was added to it later after the fact. That amount was paid when the request for payment happened on XXXX with the letter of intent to foreclosure. 
# 2 after being 30 days late you want to foreclosure on the property.

# 3 you sent an escrow increase letter not even 60 days prior to the fact # 4 The mortgage company was in charge of the insurance payments if there was a lapse is their fault not mine. Also they sent a letter requesting insurance inmediately not even days notice. 
I have called a real estate attorney I was going to hire and as per his advise he said submit a complain with CFPB they are the first step moving forward. 
Make no mistake, I will do anything in my power to get a solution to these on going matters. 
My friend works for XXXX XXXX and believe me I will start with them.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I WAS IN A NIGHTCLUB WHERE MY PURSE WAS STOLEN IN XXXX, I WAS ADVISED TO START MONITOR MY ACCOUNTS. I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS I HAVE NO KNOWLEDGE OF OR AFFILIATION WITH. THESE ARE NOT MY ACCOUNTS. 
I CONTACTED XXXX, XXXX, AND TRANSUNION ADVISING OF THE INCIDENT AND REQUESTING VERIFICATION. 

I HAVE THE RIGHT TO PRIVACY AND I HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THIS INFORMATION TO BE REPORTED TO MY CREDIT REPORT WHICH IS IN VIOLATION OF 15 USC 1681B ALSO FURNISHING ACCOUNTS TO REPORT DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO REQUESTED THAT ADDRESSES THAT ARE NOT MINE ARE REMOVED TO PREVENT LINKING ME TO ANY OTHER FRAUDULENT ACCOUNTS

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