vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Someone ordered a new debit card from Chase without my knowledge on XX/XX/year>, while I was out of the country. After the card replacement email was sent to my inbox, I was bombarded with hundreds of junk emails, so I would miss the email from Chase. Then someone withdrew {$7000.00} from my savings account on XX/XX/year> with the new card and pin. I discovered this situation in the evening of XX/XX/year> when I was paying my credit card and checking my account balances. I went to the bank on XX/XX/year>. A banker at Chase helped me to file a claim to Chase, change the account number for checking and savings, order a new debit card, and set up extra protection for my account ( verbal password, etc ). I froze my credits from the XXXX credit bureaus, and filed a report on XXXX since the person who ordered the debit card somehow was able to have all of my information. Then I received Chase 's response on XX/XX/year>, saying that my claim was denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
Rocket mortgage did my refinance from an FHA into a conventional loan. However when they did the refi they failed to complete my insurance. I was with XXXX XXXX and because they were mailing to my physical address where I don't get mail because my town is very small we don't have mail delivery trucks. So with no phone call or an email they decided to cancel my insurance. In the scramble they wrote XXXX policies and I refunded them their money when I canceled XXXX of the policies and kept the other. Somehow my payment went from XXXX to XXXX. My original mortgage payment was {$560.00} I would not have agreed to that. I want the original payment of XXXX because it was their XXXX up not finalizing my insurance and telling them about the address issue because I can't get physical mail at this address it has to go to my XXXX XXXX XXXX Not to mention I have a email and a phone that no one bothered to use. So now my mortgage payment is so high it eats up my entire social security check. I'm very humble person and don't want anything other than what I'm owed and that is my insurance to be fulfilled the way it should have been and have my payment back at XXXX. And whatever they have to do to get there is all I'm asking for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2024-07-10 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: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
On Friday XX/XX/XXXX, I went to XXXX XXXX to inquire about a 2018 XXXX XXXX. My plan was to use my existing car loan offer from my personal bank at XXXX. Upon meeting with XXXX XXXX, I discovered my loan offer at XXXX was not great enough to cover the expense of the car. I agreed to allow them to run my credit XXXX time with the bank they use for car loans. XXXX XXXX ran my credit 8 times totaling XXXX hard inquires on my credit. This is fraudulent. I never agreed to the hard inquires involving : Security Service XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, and Fifth Third Bank. The only authorized inquiry should have been from XXXX XXXX XXXX Finally, what is the most criminal about this entire experience is that XXXX XXXX was selling me an insufficient vehicle that required a new transmission. Yet, they knowingly tried to sell me the car thousands of dollars above its value, thus why I got denied for the loan from all these banks, because the car was red-flagged. I sincerely hope to receive help for these hard inquires. Thank you for the consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports 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 2024-07-10 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
My account with WELLS FARGO CARD SER was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment.

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 2024-07-09 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: NY

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. 

I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 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: NY

Complaint narrative:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 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: SC

Complaint narrative:
In accordance with the fair credit reporting act the accounts listed below have violated my rights as a consumer. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 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. XXXX XXXX | account # XXXX XXXX XXXX| account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX | account # XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX |Account # XXXX XXXX XXXX XXXX | account # XXXX XXXX XXXX XXXX| account # XXXX XXXXXXXX XXXX XXXX  | account XXXX XXXX XXXXXXXX XXXX XXXX| account # 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 2024-07-09 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: CA

Complaint narrative:
I had added money on to my PayPal account on XX/XX/year> and been having issues using my money as well as withdrawing my money. I was told the system activated a restriction on to my account due to me updating information on my PayPal account which at first I did understand that there are security measures that needed to be taken to ensure my money is safe so I was told to try 24 hours later now the following day I did and it kept declining my withdrawal transfer to my debit card for whatever unknown reasons so I call and they informed me the system activated another restriction on my account. So PayPal representative asks me a few questions to try and get me verified which for one none of the questions had anything to do with me and each time I call it's always the same verification question now 2 representatives said they couldn't verify me but one said he did. What I don't understand is how the other 2 couldn't verify me but one did with the same exact questions now Ive been frustrated because I really do need my funds I've asked multiple times what else other than there security questions could I do to verify I'm me and all they say that there is nothing else what i don't understand is how they can put a restriction on my money for so long with other options to get verified then they are doing unauthorized charges to my debit card that I never authorized them to do and they said they need to verify my card. I never gave them permission to charge my card and they're are holding my money when I've asked numerous times to release and they are not helping or listening to me please help resolve this thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-09 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: TX

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. 

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 2024-07-09 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: TX

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. 

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 2024-07-09 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 have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2024-07-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/year>, I received an email from the Missouri Higher Education Loan Authority ( MOHELA ) stating that my " federally-owned loans serviced by MOHELA transitioned to MOHELA 's new student loan servicing platform. '' The email directed me to a create a new online account. After creating a new account, I noticed that my past payments to MOHELA were not shown in my payment history. 

That day, on XX/XX/year>, I called MOHELA and asked a representative why my payment history is missing. The representative said that there is no access to my past payments online due to MOHELA 's transition to the new platform. The representative then said that they can submit a request to have all my past payments mailed to me. I agreed, and the representative said they submitted the request and told me that my payment history will arrive in the mail within 7 to 10 business days ( i.e., by XX/XX/year> ). 

Later that same day, on XX/XX/year>, I called MOHELA again and spoke with a second representative to confirm that the first representative gave me accurate information. The second representative confirmed that a request had been submitted to have all my past MOHELA payments mailed to me within 7 to 10 business days ( i.e., by XX/XX/year> ). 

After the first request described above, I never received my payment history in the mail. 

On XX/XX/year>, I called MOHELA again and said I had not yet received my payment history in the mail. The representative said that the original request " was not submitted correctly '' and then re-submitted the request. The representative said that my payment history will be mailed to me in 7 to 10 business days ( i.e., by today, XX/XX/year> ). 

After the second request described above, I still have not received my payment history in the mail. 

To summarize, I have called MOHELA several times requesting a record of my payment history, since my payment history has disappeared from my account as a result of their transition to a new online platform. Despite calling several times and being told each time I called that I would receive my payment history in the mail within 7-10 business days, I still have not received my payment history. 

I am requesting that MOHELA finally send me a record of my entire payment history to MOHELA since they became my student loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Wolf River Development Company
State: SD

Complaint narrative:
This loaner is charging a 699 % apr I was not aware and really needed the money at the time

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/year>, i initiated a {$500.00} transfer from my checking account at PNC Bank to my car loan at XXXX XXXX XXXX XXXX. The loan account number that I provided to PNC Bank was accurate, however, they sent the payment to the wrong account ( last XXXX digits transposed ). I have been trying for XXXX months to get a letter of idemnification from PNC so the payment can be returned to me and they have not provided it. I have dealt with at least XXXX associates, the most recent being an executive team member and nothing gets done. Now nobody returns my calls. I have never experienced anything like this ; I have been robbed of {$500.00} by PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The fact is that i have not received any statements from capitol one since XXXXXXXX XXXX XXXX, noticed a 60 day late payment and contacted capitol one, I was told that the account was set up with an electronic statement to be emailed. Never received those statement 's. This practice does follow USC 1637 nor USC 1666b.The none receivable of any statement 's, caused XXXX 60 day late payment. Never have been late in the history of all creditors. EVER!

Company response to consumer: Closed with non-monetary relief