vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax has violated the fair debt collection practices act, as well as the telephone consumer protection act

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> NCCINC/NISSAN OF XXXX XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> ALLY FINANCIAL XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> GLOBAL LENDING SERVICE XX/XX/year> ALLY FINANCIAL XX/XX/year> CAPITAL XXXX AUTO FIN XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
On XX/XX/24 I used paypal to pay a merchant because I was under the impression that paypal transfers are quick. The merchant informed me that he can not start of the piece I commissioned since Paypal is holding the funds for 21 days. He needed part id the money to purchase the raw materials for the piece. Additionally Paypal will bot allow him to return the funds since they are on hold, so I can not get my money back to pay another way. I called paypal and they said this was their policy I asked them where it says that. Certainly it does not say that when I am about to sent the money. There should be a wanting that fund can be held for this excessive amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Deinde Online Services, LLC
State: TN

Complaint narrative:
I received notice from XXXX XXXX that a collection account was place on my credit. I have tried to contact the company XXXX XXXX XXXX, via phone, and email with no response. When you call the number you are put on hold, they tell you what number you are in line then all you get is " this is XXXX please leave a message ''. I have called multiple times with no return call or email. I have dealt with this company before and they never would speak to me, then they turned my account over to an attorney during the covid lock down and I had a judgement and garnishment, even after trying to work out payment arrangements with the attorney. I can not afford to have a garnishment again. I want to pay my debt but can not reach a soul or get any kind of 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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
Please delete this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the documents supporting my claim.

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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent letters to the credit bureaus regarding inaccuracies on my credit report. Despite this, my letters have been disregarded, and Ive been receiving responses claiming that I am using a third party. I have attached my ID and the letters for your review.

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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within XXXX  days, they should be promptly removed from my credit report. Since it has been over XXXX  days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no XXXX  party involved. Please review the uploaded letters.

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: EQUIFAX, INC.
State: MD

Complaint narrative:
Despite my XXXX prior demands, the unverified items below still tarnish my credit report, blatantly violating Federal Law. In their so-called responses to my dispute letters, they claimed these items were verified but couldn't even produce the documents used for this so-called verification, despite my clear request. 

Their failure to provide these documents proves they can't and didn't verify any of the disputed accounts as they falsely claimed. Their refusal to delete the disputed accounts after XXXX written demands shows a blatant disregard for Federal Law.

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 — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Experian has added accounts to my credit report without a permissible purpose and without conducting a proper investigation to ensure that the information they were receiving was in fact accurate. Their failure to follow the rules created for them by congress under the fair credit reporting act has ruined my reputation, cost me actual damages and financial hardship! This is unfair!!! Experian has failed to honor my right to privacy by allowing access to my credit report without a permissible purpose.

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 card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
On XX/XX/24 I applied for a Wells fargo card because of there 0 % for 21 month advertisement. I was approved for {$13000.00} ( same day ). I was also able to set up a balance tranfer right away. I took this opportunity to set up a balance transfer of XXXX to my XXXX XXXX XXXX. I received a " success '' notification upon submission. When I contacted Wells fargo a few days after approval, I was informed the process would take up to XXXX weeks. I recevied my physical card in the midst of this time frame. When I checked my Wells Fargo account online on XX/XX/24, I noticed the balance transfer was processed on XX/XX/24. I immediately checked my XXXX XXXX to verify. My XXXX XXXX balance did not show any funds applied from Wells Fargo. I called XXXX to verify their process for accepting balance tranfers and if anything was pending for my account. I was informed that once they receive a payment they apply it immediately and that there was nothing pending for my account. I called Wells fargo immediately in an effort to find out where the funds were sent. I was met with " customer service '' agents who could not provide any information which was quite alarming. They instructed me to open a case so that they could research what had occurred. This case was " resolved '' a few hours later via an email stating I am responsible for the funds. There was no answer to any of my other questions which further alarmed me. Once I read the email, I immediately called again and was informed that I would have to open another case since that one was " resolved ''. I detailed my questions ( yet again ) and it was submitted. I called the morning of XX/XX/24 to see if it was assigned which it had not been at that point. I spoke with XXXX in the executive office who said she would escalate this case and try to get it assigned faster. As it stands, I still have a {$12000.00} outstanding balance with Wells fargo that I am responsible for. I came to them because of their advertisement and now have double the debt with no real help or information. I am concerned what they will do with my personal information seeing how they are handling me in this specific situation.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This inquiry appears unauthorized and potentially fraudulent, as I have no knowledge of these inquiries. Please take immediate action to rectify this issue. Refer to the attached documents for clarification.

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 — Credit inquiries on your report that you don't recognize
Company: I.C. System, Inc.
State: OH

Complaint narrative:
Someone fraudulently used my information to open a account with homestead utilities that was sold as an collection account to online information services I did not authorize this account or open it up I need it removed soons as possible. I have not supplied proof of the alleged debt, under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I RECEIVE AND REVIEW MY CREDIT REPORT FROM EXPERIAN AND NOTICE SOME INQUIRIES THAT IS ON MY CREDIT REPORT THAT ARE NOT RELATED TO ANY OF MY CREDIT ACCOUNT ON MY CREDIT REPORT I NEVER GAVE THIS COMPANIES PERMISSION TO RUN MY CREDIT.

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: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/year> I purchased a {$250.00} Amex gift card at XXXX XXXX on XXXX XXXX and XXXX XXXX in XXXXXXXX XXXX XXXX XXXX. Despite having done so with other amounts in the past, I am no longer able to reload my XXXX balance with my remaining {$6.00} Amex balance. After multiple attempts, I am still unsuccessful and now {$0.00} of my {$6.00} is stuck in holds for several days. All reload attempts were less than the card 's face value. Many people have reported having this problem in the past XXXX years.

Company response to consumer: Closed with monetary relief
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 — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXX Missouri Laws Dear NAVY FCU, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity theft and fraud laws in XXXX XXXX XXXX Missouri. 

It has unequivocally come to my attention that NAVY FCU has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law also emphasizes the necessity of consumer consent for credit reporting. Missouri 's identity theft and fraud statutes underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for NAVY FCU to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that NAVY FCU immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that NAVY FCU will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: T.S. Holdings
State: MA

Complaint narrative:
They keep threatening me and my family and I fear for my life and safety all over a debt that belongs to the thieves that took my identity in XXXX. I shouldnt have to fear for my life and I shouldnt have to be harassed by this company and nothing gets done about it. I fear for me and my families life dealing with them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Someone broke in to my XXXX account. There were XXXX different charges that I didnt recognized. I called my bank which is JP Morgan Chase to let them know they were not my charges. They put the money back into my account on XX/XX/XXXX. I went into my checking account on XX/XX/XXXX and saw that they took the money back with no explanation. I personally went to the bank that day to inquire as to why they took the money back. They told me that I had bought from this place before I recall they said it was XXXX it was called XXXX. I said I have no dealings with that company. They gave me that money back and told me to go over all my charges from the beginning of XXXX. I did and that charge and the XXXX other charges which are the following were not my charges XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - XXXX XXXX XXXX XX/XX/XXXX - XXXX XXXX XXXX If I bought off this company why is there XXXX different names. I have never received any merchandise from the above nor do I know who they are. I think it is disgraceful the way people get away with stuff and the bank cant help you. I called the bank again a few days later and told them I want to open the incident up again since then I have not heard or gotten a letter from them. 
XXXX also put a hold on my account for suspicious activity.

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: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit. Please delete this items as soon as possible.

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 card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX., I went to Kohl 's department store to purchase clothing. At the register, I encountered a cashier that has previously helped me. At the beginning of the transaction, she did the obligatory ask " will you be using your Kohl 's card today? '' To which I replied, " no. '' When she asked if I would like to sign up for one, I again said, " No, thank you. '' But that wasn't the end of it. She asked me three other times before allowing me to check out. She even required me to look at her screen to see the savings I would get if I signed up that day. I said, " No, thank you '' four times. When handing me my receipt, she then told me when I come back in I will " have that card. '' This is predatory. I am a XXXX XXXX XXXX woman whose very sharp-minded, but an elderly or young person might not be able to see past the predatory request. Further, her comments made it sound like other forms of payment would NOT be accepted ( which sounds like ANOTHER FEDERAL AGENCY issue ). The bureau needs to get a handle on this. When I posted the matter in the local XXXX XXXX, a woman mentioned she saw an elderly woman at Kohl 's the day before told that she was required to sign up for the credit card. 
I tried talking to the manager on shift about the issue immediately after it happened. I told her it was predatory and offensive that the cashier would not take " no '' for an answer. She rudely told me this was a " corporate directive '' to make sure everyone signs up for the credit card and they would make no changes. 
I returned each item I purchased and left.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Final Steps of XXXX XXXX due to XXXX. XXXX ordered to remove former spouse from mortgage. CHASE Assumptions received the XXXX XXXX XXXX, the recorded warranty deeds on the property, and on XX/XX/XXXX and XX/XX/XXXX, I e-faxed the recorded Divorce Decree from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to CHASE Assumptions. XXXX week later, out of the blue, I received a letter from CHASE Assumptions that CHASE cancelled the assumption loan application for incomplete information! Then, they called me and the woman told me XXXX times they never received the divorce decree. 
Branch manager in XXXX where I sent the e-fax, filed an escalation case with CHASE bank, as he too, had proof they indeed received the recorded divorce decree sent out of his branch. CHASE assumptions is now saying they did receive the divorce decree but it is an incomplete decree? They have had the XXXX since XXXX XXXX, it's been over a month, and the only thing Assumptions and CHASE escalations is saying, is that it is not a complete divorce decree. My lawyer has offered to step in and assist them, as it is the recorded divorce decree., they have sat on this for over a month and have given no legitimate explanation for closing my application, other than CHASE makes 2x as much money forcing me to refinance

Company response to consumer: Closed with explanation