vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-05 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: GA

Complaint narrative:
Dear XXXX XXXX, XXXX XXXX Experian, I am writing to request the removal and deletion of hard inquiries from XXXX XXXX XXXXXXXX XXXX credit report. The inquiries that need to be removed are as follows : - An inquiry from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am making this request under the following laws : SECTION 604 15 U.S. CODE 1681B Permissible purposes of consumer reports. This law states that consumer reporting agencies may furnish consumer reports only for certain purposes, including credit transactions, employment purposes, and insurance underwriting.

SECTION 605 A 15 U.S. CODE 1681C-1 Disclosure of investigative consumer reports. This law requires consumer reporting agencies to disclose to a consumer if an investigative consumer report was obtained for employment purposes.

SECTION 605 B 15 U.S. CODE 1681C-2 Block of information resulting from identity theft. This law requires consumer reporting agencies to block any information in a consumer report that results from identity theft.I believe that the above-mentioned inquiries do not fall under any of the permissible purposes of consumer reports. Therefore, I request that these inquiries be removed and deleted from my credit report. 

Thank you for your assistance in this matter. 

Sincerely, 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 2023-05-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: CO

Complaint narrative:
I received a letter in the mail from XXXX XXXX XXXX XXXX XXXX XXXX XXXX stating that they are debt XXXX contacting me to collect a debt with XXXX XXXX from XX/XX/2023. Multiple personal details on the notice are incorrect, including the license plate number, which does not belong to me. I did XXXX XXXX on XXXX XXXX on the date in question, and there is no record of any money owed to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Self Financial Inc.
State: IL

Complaint narrative:
I respectfully request your prompt attention to the following inaccurate information on my credit report. The following item is inaccurate negatively affecting my credit please re-investigate this matter and delete end or corrected speeded item. I respectfully request that you provide me with proof of the disputed item specifically any contact note court document or any instrument be having my signature. Failing that this item must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: TN

Complaint narrative:
Hello, I'll like to submit a complaint against Newrez Mortgage company who have been servicing my loan since XX/XX/XXXX for not correcting my escrow account from XX/XX/XXXX when they disbursed a check to the wrong tax agency in the amount of {$260.00} and on XX/XX/XXXX when they disbursed a check from my escrow account in the wrong amount to a tax agency in the amount of {$330.00}. On XX/XX/XXXX I called the tax team ( XXXX ) alerting that the check submitted on XX/XX/XXXX to the tax agent was incorrect because I do not owe this tax agency along with the check disbursed on XX/XX/XXXX for {$330.00} in which was to the correct taxing agent but for the wrong amount. I submitted a copy of my tax statement via their online message app. They stated they would open up an investigation case and contact me. However, after not receiving a written or oral response I called again on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I submitted complaints on their website and mailed letters on XX/XX/XXXX and XX/XX/XXXX. Each occasion they stated they see no open case relating to the issue and they would submit one. However, on XX/XX/XXXX I was able to speak to a tax manager and they stated they have spoken to the tax agents and I was mailed the refunds by them. I shared with them that this makes no sense. I had already contacted the tax agents inquiring on the issue and they stated if they would have received a check they would have mailed it back to the sender and not the homeowner. They are claiming I have the refunds and no corrections are needed. So, I requested a copy of their investigation findings that will show the date and check numbers relating to the refunds and no response have been given.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclay savings account opened on XX/XX/2023 and external account ( I'm an owner ) added. On XX/XX/2023 at XXXX XXXX ET, received email that my savings account access was suspended due to my external needing to be verified ; I called Customer Service immediately and was advised that I need to send in my external bank statement to their fraud department email address. I called again on XX/XX/2023, and was advised that the fraud department received my documents and would be reactivating my account on XX/XX/2023 evening or on XX/XX/2023 at the latest. That did not happen as advised. I called on XX/XX/2023 at XXXX XXXX  ET and was advised that fraud department was closed and my account is still suspended. They advised me to call back again next week. This is ridiculous as the trial deposits already showed up on my external account ( that means the verification progressed ). 

I need to have my savings account re-activated as soon as possible, and Barclay is not moving forward appropriately and timely.

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 2023-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank offers the Costco Anywhere Visa and it was closed due to not providing a copy of my Social Security Card. Odd however its up to each financial institution to figure out how to limit risk. 

As a result of my negligence to provide its was closed without informing me and I still had a balance. In an attempt to be responsible I paid it off in full. As a result I had an overpayment of, {$96.00}. 

After multiple requests to return the funds to me with Customer Service theyve falling on dead silence. The most recent request is XXXX  however I still have not received the funds to me. 

Im hoping you can help me with this matter. The amount feels trivial but regardless a XXXX dollar institution can not find a way to get money thats owed to me.

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 2023-05-05 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: EQUIFAX, INC.
State: IN

Complaint narrative:
As a victom of identity theft I wouldnt wish this on anyone. This has cause me much frustration and stress which has taken a major toll on my personal life. I've spent countless hours trying to work with credit card company and bank to coear any issue but still this has left a negative dent to my personal credit. I even sought after a credit counselor and Identity theft agency which is very expensive. I now understand the importance of maintaining a close watch to my crefit reports. I would love to get on with my life free of negative marks on my credit reports. To have this matter clear once and for all with greatly be appreciated. These inaccuracies happened during the year of 2020 and amounts totaling more than {$8000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
As a victom of identity theft I wouldnt wish this on anyone. This has cause me much frustration and stress which has taken a major toll on my personal life. I've spent countless hours trying to work with credit card company and bank to coear any issue but still this has left a negative dent to my personal credit. I even sought after a credit counselor and Identity theft agency which is very expensive. I now understand the importance of maintaining a close watch to my crefit reports. I would love to get on with my life free of negative marks on my credit reports. To have this matter clear once and for all with greatly be appreciated. These inaccuracies happened during the year of 2020 and amounts totaling more than {$8000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 Section 602 states, I have the right to privacy 15 USC 1681 Section 604 a Section 2 also states a consumer reporting agency can not furnish an account without my and instructions under 15 USC 1666-B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXX XXXX transunion I am writing to dispute several items on my consumer credit report that I believe are inaccurate and should be removed immediately. I am invoking my rights under the Fair Debt Collection Practices Act ( 15 USC 1692 ), specifically sections 15 USC 1692 G, 15 USC 1692 I, and 15 USC 1692 E. 

Upon reviewing my consumer credit report, I have noticed the following items that are listed as negative and not accurate : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have evidence to support my dispute and request that you investigate these items and remove them from my consumer credit report as soon as possible. I am also requesting that you provide me with a copy of my updated consumer credit report once these items have been removed. 

I would like to remind you that as a credit reporting agency, you have a legal obligation to ensure that the information on my consumer credit report is accurate and up-to-date. The Fair Debt Collection Practices Act ( 15 USC 1692 ) provides me with certain rights to dispute and remove inaccurate information from my consumer credit report. 

I appreciate your attention to this matter and look forward to hearing back from you soon. 

Sincerely, 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 2023-05-05 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: TN

Complaint narrative:
Trans Union and XXXX have been reporting XXXX collection accounts who have violated the Fair Debt Collection Practices Act. XXXX XXXX XXXX did not provide me with notice of debt and allow me to dispute their claim and when I did become aware of the collection accounts I requested validation letters with proof of ownership required under Fair Debt Collection Practices Act but the information was never provided. I have requested that both bureaus remove these accounts and have even requested the verification in a complaints filed here at CFPB but nothing has been provided and the accounts remain open my report as of the date of this complaint.

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 2023-05-05 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: PA

Complaint narrative:
I never sing whit this account and Transunion reported the accounts in my credit report, the accounts are : XXXX XXXX XXXX company # 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 2023-05-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX CRA 'S PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.

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 2023-05-06 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I PULLED A RECENT CREDIT REPORT AND IM STILL FINDING FRAUDULANT ACCOUNTS SHOWING UP ON MY CREDIT REPORT. THESE FRAUDULANT NEGATIVE ACCOUNTS ARE HURTING MY CREDIT PROFILE TREMENDOUSLY AND HINDERING ME FROM APPLYING FOR CREDIT. INACCURATE REPORTING IS ILLEGAL AND I HAVE DISPUTED THIS MULTIPLE TIMES. I WOULD LIKE FOR ALL NEGATIVE FRAUDULANT ACCOUNTS TO BE DELTETED ASAP. I DESERVE 100 % ACCURACY FROM THE XXXX XXXX XXXX NOT A COMPUTER GENERATED OR DATA BREACH REPORTING FROM ANY XXXX. INCLUDED WITH THIS MESSAGE IS MY MOST RECENT CREDIT REPORT FROM XXXX XXXX XXXX PLEASE LOOK AT THE INACCURACIES AND FRUADULANT ACCOUNT NUMBERS AND HOW THEY ARE REPORTING. AGAIN I KINDLY ASK FOR THESE ACCOUNTS BE DELETED/REMOVE FROM MY CREDIT REPORT AND UPDATE MY NAME TO ONE NAME, ADDRESS, AS SEEN ON MY XXXX ID.

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 2023-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was on XXXX XXXX XXXX XX/XX/2023. I was looking at auto parts and came across an online store that had the parts i needed. I messaged the store and confirmed price and availability. I was asked for my shipping info and then they provided their companies account info for payment. I paid through my CHASE account {$800.00}. Once paid the seller confirmed my payment and sent me a email with tracking details. I followed up with seller to confirm shipment and he said he would let me know when item was shipped. He then began to not answer questions about tracking and when I asked if I had been scammed he refused to respond. The seller has since comunicated via text and messenger that they did in fact scam me and are now harrsing me via text. I immediatly contacted CHASE BANK who informed me that there is nothing they will or can do. They work direct with XXXX and the sellers bank does as well but getting my money back will not be possible. I believe CHASE should be responsible, as well XXXX for allowing these transactions. They have to have knowledge of these scams and the accounts that run them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I opened the American Express Gold Delta credit card on XX/XX/2023. I was under the impression that I would receive the {$300.00} credit and bonus miles when I applied and got approved for said credit card. However, in XXXX I still hadnt received the offer. I called in XXXX and was told I would be updated on why the offer hasnt been applied yet. Then XXXX comes along and no response. I call American Express XXXX on XX/XX/2023 and was told I didnt receive the bonus offer, the bonus offer was declined. You could understand my frustration when I was told about this fraudulent act and lack of transparency. Why wasnt this told to me when I called the first time? Why wasnt I given the option to not continue the application when I first applied? I was transferred to a manger who said I was told I wouldnt get the offer during my application, however he wasnt there when I applied for the card. He claimed there was nothing he could due and its based on my history. He didnt have any concrete reason based on my history. Ive never had a late payment and Ive closed ONE card! I was there when I opened the card, and there was no pop-up about me not getting the offer otherwise I wouldnt have gotten the card or paid for a flight that wasnt worth the original price. As someone who has other American Express cards I was disgusted at how they treated their customer, a loyal one. Id also like to add about the manager claiming I got a pop up about this before the application went through, not only was he not there ( and was very dismissive, as if he was ) but others have mentioned they didnt get a pop-up as well ( Ill include it in my photo proof ). Im disappointed and would like for American Express to do a better job with being honest with their customers. Not only that but their communication skills were quite poor as I was told I would receive an update after I called the first time, only for me to have to call again because of the lack of an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
On XX/XX/2023, I sent the following letter to Affirm Inc. regarding a reporting on my credit report. This company claim I have two accounts with them. For account XXXX, they claim I own {$290.00}. For account XXXX the claim, I owe {$2200.00}. In the letter sent on XX/XX/2023, I ask them to verify this debt was mine. 

As of XX/XX/2023, I have not received any validation of the debts that Affirm , Inc is claiming to be mine.

Company response to consumer: Closed with explanation