vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-10 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:
XXXX XXXX XXXX is reporting a repossession on my credit reports that is not accurate. The address on a repossessions XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NJ XXXX. Ive never lived there. I live in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX as youre about to see, Im gon na upload my ID with the address on it along with the Fraud affidavit. This needs to be deleted I put order information on the fraud affidavit. Theres no reason why it shouldnt be deleted or else else I will sue the credit bureau due to the violations report an accurate information without my knowledge

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 2023-11-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX is reporting a repossession on my credit reports that is not accurate. The address on a repossessions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX. Ive never lived there. I live in XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX as youre about to see, Im gon na upload my ID with the address on it along with the Fraud affidavit. This needs to be deleted I put order information on the fraud affidavit. Theres no reason why it shouldnt be deleted or else else I will sue the credit bureau due to the violations report an accurate information without my knowledge

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I've recently come across some negative charge off accounts on my credit report that I was unaware of, and I find it hard to believe that these accounts were posted without my knowledge. Thus, I'm reaching out, because I need your help in removing these four misleading and incorrect accounts promptly. 

Let me tell you that I never had any outstanding balances on these accounts. Moreso, I never authorized anyone to include these items in my credit report. These entries don't even reflect my current financial status or situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I trust that you can assist me in the removal of these incorrect items and have them corrected right away.

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 2023-11-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights. 

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with The Fair Credit Reporting Act. This account : XXXX  # XXXX, {$1100.00} has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

No Contracts Made for Total Balance {$1100.00} The Account attached to this dispute violates my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681, section 604 A section 2 : it also states, a consumer reporting agency can not furnace an account without my written instructions.

15 USC 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 USC 1681 s ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or a has reasonable cause to believe that the information is in accurate. 
( Incorrect Address, Inaccurate Amount Altered by Dealer ) ( Did NOT SIGN )

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 2023-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
On XX/XX/2023 I got a call from Chase Bank about a charge that was being made and did I authorize it. I said no and then they said that they would cancel my card and reissue another one. It turned out that they were scammers and were spoofing the phone number of Chase Bank. They had a lot of my current information and sounded legit. I gave them the info they requested. The next day when I checked my accounts they had withdrawn twelve- {$100.00} withdrawals and two- {$40.00} withdrawals from my checking account and two- {$100.00} withdrawals from my savings account for a total of {$1400.00}. I immediately called the Chase fraud department and they said that I made the withdrawals. I said I didn't and after some research we found that they used my XXXX XXXX to make the withdrawals from the info that I gave them. After going back and forth with the fraud department they said that they weren't going to refund any of the money and rudely hung up on me. I called them again and said that the {$200.00} from my savings account showed being refunded and they said it may be refunded. Well, a few days later they did refund the {$200.00} in my savings account. So why did they refund it to my savings account but not my checking account? I thought there was some federal law that they have to return my money. I did contact the bank the next day and after the scammers took the money out of my accounts but gave up not knowing I may have some recourse but finally decided after doing a lot of research to contact the FDIC for help in this matter. Thanks, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 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: MO

Complaint narrative:
American dispute reference # XXXX Merchandise : XXXX Dispute amount : {$930.00}, under order # XXXX Date 0 : XX/XX/XXXX, original purchase Date 1 : XX/XX/XXXX, get credit back almost instantly after submitting dispute Date 2 : XX/XX/XXXX, re-bill my account, resubmitted dispute XX/XX/XXXX, re-submitting dispute Date 3 : XX/XX/XXXX, credit back to my account Date 4 : XX/XX/XXXX, re-bill my account XX/XX/XXXX, re-submitting dispute Date 5 : Till now, requiring Amex today, saying still reviewing the dispute. 

Reason of dispute : Order was mis-deliverd to parking lot, while I filled my correct address indicate an home delivry with XXXX XXXX XXXX. I'm unable to find it. It misses. 

Delivery proof : You can see the delivery proof picture is a parking lot, not my home. 
Fedex # XXXX, https : XXXX? XXXX & XXXX The address I filled : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX. 
( The address is valid, the order also from XXXX ( XXXX # XXXX ), XXXX XXXX, and XXXX XXXX, did successful delivery. ) The response of Amex 's re-bill : In response to your inquiry the merchant has provided the charge details including the explanation of the charge as the merchant states photo evidence is of the parking area in the front of the " The Den '' which is a student housing complex and not of a roadside. 

My complaint : how could American Express re-bill me, even they know ( and XXXX also admitted this area is not my home, it is a parking area ) The package was misdelivered to parking lot is not right, XXXX should be responsible for their package delivery arrangement. American Express should not re-bill me, and credit me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-10 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: EQUIFAX, INC.
State: OH

Complaint narrative:
i submitted information online again today after speaking to a agent and was told that they never received my XXXX compliant that was sent from you guys to them on XX/XX/23. I did not authorize the following company 's to access my credit report or applied for any credit with these company 's XXXX XXXX, CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
I am a XXXX XXXX XXXX veteran with a XXXX XXXX XXXX XXXX I used my VA benefit to purchase a property at XXXX XXXX XXXX, XXXX, XXXX  XXXX on XX/XX/XXXX. ( 0 % down and no tax liability according to law ). I secured a fixed rate mortgage and my original interest rate was around 3 %. My monthly mortgage payment was roughly {$680.00}. I refinanced my original mortgage with XXXX XXXX  XXXX and my mortgage payment increased to around {$760.00}. My mortgage was subsequently sold to Carrington Mortgage, and twice in three years my mortgage payment has increased over {$200.00}, allegedly due to escrow shortages according to Carrington Mtg. 
For the year prior to XX/XX/XXXX my mortgage was {$760.00} and, once again, allegedly due to escrow shortages my payment has once again increased {$210.00} to {$970.00}. 
Prior to this latest increase, Carrington Mtg. had increased my mortgage payment from around {$760.00} to {$880.00} for 12 months to cover what seems to them to have been an escrow shortage. Finding this out took many phone calls and conversations with several different people before I was able to make some sense of what their ostensible reason was for the increase. 
I do not understand how my fixed mortgage payment could increase in such large amounts over such a short period of time. I have gone from roughly {$680.00} per month to close to {$1000.00} in XXXX years. This baffles me and aggravates my sensibilities. Other homeowners in my location, whom I have talked to, have said they have never heard of mortgage payment increases in such amounts with a fixed rate mortgage. 
I am sending my complaint to CFPB with the understanding that CFPB has been involved with Carrington Mortgage before concerning other unfair practices by this corporation. Are Carrington Mortgages increases justifiable or legitimate? 
XXXX XXXX XXXX XXXX ( XXXX ) XXXX ________________________________________ Carrington Mortgage Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX https : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act Publishing of Listed addresses : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 



15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: MA

Complaint narrative:
I just pulled my credit report and noticed that my student loan is listed twice making my debt to income ratio higher then it is suppose to be. Account was sold to a different lender. My student loan is currently with XXXX. 

XX/XX/XXXX, XXXXDept of ED/AIDVANTAGE : {$36000.00} XX/XX/XXXX, XXXXDept of ED : {$36000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX Pl XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$2400.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$20000.00} XX/XX/XXXX XXXX  XXXX XXXX  XXXX {$8600.00} XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} 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 non-monetary relief
Consumer complaint received 2023-11-10 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: MD

Complaint narrative:
XXXXXXXX XXXX XXXX  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 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previous letters i sent.

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 2023-11-10 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX 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 consumer reporting agency may not furnish an account without my written instructions, under 15 USCs 1666 B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Attached you will find previous letters i sent.

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 2023-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dear Sir/Madam, I received {$90.00} from a friend today to my PayPal account which is XXXX. However, PayPal charged me {$3.00} for this transfer so I received {$3.00} less from the original amount. I called to complain and XXXX representatives were very rude and they said they could not refund the money back to me. 
PayPal is ripping off customers like me by charging excessive fees. I was supposed to receive {$90.00} and they took {$3.00} from my account. They did not give me any information about this fee and I was not aware that PayPal charges any fee for incoming payments. 
I demand to receive {$3.00} back from PayPal and they should stop charging us excessive fees. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted immediately. 

RXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-10 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I discovered these alleged hard inquiries. I do not recall authorizing these inquiries and I would like to see these deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: CA

Complaint narrative:
I registered my bank account online with Mariners Finance to make my payments. The numbers looked correct on my side and showed that my account was validated. I made my payment on time and then received a call that my payment did not go through. The branch manager said she couldnt confirm my account and need to speak to IT. She called back the following day to say my account number was wrong and I was going to now be charged {$15.00} and I couldnt make my payment online and needed to use my debit card and be charged for using that. 
This sort of additional charge has been occurring since the inception of this terribly high cost loan with a rate of 35 %. When I said this was not okay, I was continually told I didnt understand the process. The condescending manner to be spoken to is infuriating. And I assured the multiple people of spoke to that I am a licensed Mortgage Loan Officer and completely understand miscellaneous, frivolous charges and I told the last person I spoke to that I was filing a compliant. 
You cant restrict how a payment is made and charge them for making the payment that way when that manner is the only option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

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 2023-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call - Back to back call XX/XX/2023 - XXXX - Phone Call - Back to back call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX - Phone Call XX/XX/2023 - XXXX Phone Call There were more phone calls, If this is not enough to prove harassment, I can provide more data.

Company response to consumer: Closed with monetary relief