vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
In XX/XX/XXXX, someone used identity theft information applying checking account and credit card at JP Morgan Chase. The fake individual used my identity to apply for checking account # XXXX and Credit card account XXXX opened on XX/XX/XXXX. THe person owed {$24000.00}. The person address is XXXX XXXX XXXXXXXX XXXX XXXX  { XXXX XXXX XXXX XXXX Florida XXXX. Phone XXXX XXXX XXXX. I never live in XXXX Many retail purchases were done in Florida at many stores in XXXX and XX/XX/XXXX. During that time, I was in XXXXXXXX XXXX hospitalized for major operations. I have reported this identify theft and fraudulent credit card and checking account opened under my name without my knowledge and the purchases where the crime took place I was NOT in the location. However, Chase continued to stand by the claim that the account is mine. I have reported the identity theft to FTC and local police. I also visited local Chase Branch to request closing of the accounts. I still have not heard anything. The first contact from Chase was in XX/XX/XXXX when Chase Fraud Department called me ; I cooperated fully with them but at the end they told me there is a checking account still active and made payment before but withdrew it quickly and that checking account was still opened. This is all come to surprise to me. Therefore, I went to the local Chase Branch to clarify this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
My Credit card interest rate was increased to 29.99 % from 26.99 % with home depot. I can't afford the high interest

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: FL

Complaint narrative:
I do not recognize the following inquiries Inquires on my equifax report XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding the conduct of TransUnion, a major credit reporting agency. I believe TransUnion has violated the Fair Credit Reporting Act ( FCRA ) by not following proper procedures in verifying account information and reporting bankruptcy data. 

Upon reviewing my credit report obtained from TransUnion on XX/XX/, I discovered inaccuracies related to a bankruptcy filing. It has come to my attention that TransUnion did not directly contact the furnisher of the account, as mandated by law. Instead, they relied on third-party verification processes, such as PACER ( Public Access to Court Electronic Records ) . 

I wish to emphasize that verification through third parties like PACER is not adequate verification as stipulated by the law. The FCRA requires credit reporting agencies to directly contact the source of the information, i.e., the furnisher of the account, to ensure accuracy and reliability. 

This violation has had a detrimental impact on my creditworthiness and overall financial standing. As a result of the inaccurate reporting of bankruptcy, I have faced negative consequences, such as denial of credit or higher interest rates. 

Although I have initiated the dispute process with TransUnion to rectify the inaccuracies, I am deeply concerned about the broader implications of their failure to comply with the FCRA. It is crucial that credit reporting agencies adhere to the law to uphold the integrity of consumer credit reports and protect consumers ' rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against TransUnion for their non-compliance with the FCRA. Additionally, I seek assistance in resolving the inaccuracies on my credit report and ensuring that my rights as a consumer are safeguarded. 


Thank you for your attention to this matter. I anticipate a prompt response and resolution of this issue. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: GA

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 2024-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I tried to withdraw money from my savings account with Marcus by Goldman Sachs on XX/XX/07 and my account got locked. Ive tried calling several times and I havent been able to speak to a specialist. Every time I call I get placed on hold and nobody ever picks up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A third party company is reporting on my credit that I owe them the sum of XXXX. They are calling, harassing and sending letters demanding payment. I do not nor at any time had a contract with this third party company. I do not owe any money to them and they have no right to report it on my credit reports. I requested a wet signature, document with the reported amount owed, the company that the original contract is with and documents of amount claimed to be due, third party contract and any or all document with my signature on them. They refused to provide proof of this debt and any signed contract. I have no knowledge of the sums they claim are due nor an explanation of the reported sum. 
Third parties must provide original contracts, when requested by the consumer with signature to ensure they are reporting accurate information. And must be held responsible for reporting inaccurate, unverified information without documentation when requested by the consumer and when reporting to any agencies. 

I request that the XXXX major credit reporting bureaus listed removed the inaccurate information from my profile. Including all other consumer reporting agency listed below. 
XXXX Equifax, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A third party company is reporting on my credit that I owe them the sum of XXXX. They are calling, harassing and sending letters demanding payment. I do not nor at any time had a contract with this third party company. I do not owe any money to them and they have no right to report it on my credit reports. I requested a wet signature, document with the reported amount owed, the company that the original contract is with and documents of amount claimed to be due, third party contract and any or all document with my signature on them. They refused to provide proof of this debt and any signed contract. I have no knowledge of the sums they claim are due nor an explanation of the reported sum. 
Third parties must provide original contracts, when requested by the consumer with signature to ensure they are reporting accurate information. And must be held responsible for reporting inaccurate, unverified information without documentation when requested by the consumer and when reporting to any agencies. 

I request that the XXXX major credit reporting bureaus listed removed the inaccurate information from my profile. Including all other consumer reporting agency listed below. 
XXXX XXXX, Experian 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 2024-02-10 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: IL

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 non-monetary relief
Consumer complaint received 2024-02-10 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: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
There were two hard inquirers when checking my credit karma account. They are JPMCB CARD SERVICES ( Bank ) on XX/XX/XXXX. 
And JPMCB CARD SERVICES ( Bank ) on XX/XX/XXXX. The addresses reported with these are XXXX XXXX XXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX, KY XXXX. Neither of these addresses have I ever been a resident at. Two of the names used are not my government name ; XXXX XXXX and XXXX XXXX XXXX. I have never applied for a Chase Bank card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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:
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 non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Freedom Mortgage Company
State: MI

Complaint narrative:
We have been in the process of assuming a XXXX mortgage with freedom mortgage since XX/XX/2023. After about a month of waiting and calling, we were finally assigned someone to process the application. Another month passed and that processor reached out, asking for more information to close up the deal. We submitted all information and never heard from him again. A new processor reached out to us in XXXX to tell us that the other person didnt work with freedom anymore and that she would fast track our assumption quickly. We have not heard from her since. No one will respond to phone calls or emails. This is the absolute worst service we have ever experienced. The seller is losing money, we are losing money. Can someone please help? I dont think I will ever take a loan with freedom mortgage again in my lifetime.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: PA

Complaint narrative:
I do not have a contract with XXXXXXXX XXXX XXXXXXXX. Nor did they provide me with any evidence of a debt. I did not authorize them to utilize my signature. I demand this account be removed from my credit report as this is willful misconduct.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: SC

Complaint narrative:
I had a debt collection placed on my credit report on XX/XX/XXXX. I was not notified ( via letter or call ) that I owed anyone anything or how I could dispute this. I just received a mailed Letter from National Credit Systems , Inc. That is dated XX/XX/XXXX. This practice has caused me to have to suffer ( XXXX ) months of negatively impacted credit without giving me any recourse to dispute, reach out, or even verify this debt is legitimate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
My parents account was victim of identity theft on XX/XX/XXXX and my mother that paid my credit card on time didn't know till next day when she got an email from XXXX  XXXX saying she made fraudulent Mobile Deposits when she didn't. She immediately took action and XXXX XXXX XXXX  froze the account for her protection and safety. The same time all payments was not going through that account and she advice to contact any company that she wrote cheques or made payments because the reason on th and she called me and told. I called Capital One and advice that problem and i was told on a recording call that would not be a problem I have to wait till the payment is back and they could see. I call again and made another payment with a different account and payment went through and i did all that customer service told me to do and when I called on XXXX XX/XX/XXXX I was told they would be able to reverse the {$29.00} late fee even though I was promised the fee would be waved. I offered to send documentations and a letter from XXXX XXXX TO PROOF THAT IT WAS THE REASON. I paid on time but what happened with the account made that payment go back to Capital One for the reason of the account was froze. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: SLM CORPORATION
State: MA

Complaint narrative:
On two occasions ( most recently on XX/XX/XXXX ), I reached out to Sallie Mae and asked for information about a loan they held for many years. 
I have not saved statements from Sallie Mae as I didn't believe I would need to prove the duration of the loan or payments I made after several years had passed. 
I subsequently consolidated this loan at a lower rate with a different company ( XXXX ) and I no longer have access to my data through Sallie Mae 's website I am in the process of verifying loan information to qualify for the PSLF program. I need this information to prove that I have been paying these loans for over 20 years I currently hold another loan ( beginning XX/XX/XXXX ) with Sallie Mae so even though they no longer hold the previous loan, I am still a paying customer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: KY

Complaint narrative:
There were two hard inquirers when checking my credit karma account. They are XXXX CARD SERVICES ( Bank ) on XX/XX/XXXX. 
And XXXX CARD SERVICES ( Bank ) on XX/XX/XXXX. The addresses reported with these are XXXX XXXX XXXXXXXX XXXX, KY XXXX and XXXX XXXX XXXX XXXX, KY XXXX. Neither of these addresses have I ever been a resident at. Two of the names used are not my government name ; XXXX XXXX and XXXX XXXX XXXX. I have never applied for a XXXX Bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My mortgage was transfered to Mr. Cooper at the end of XX/XX/XXXX from Rushmore Mortgage. There was a negative balance in my escrow account of {$1400.00}. I received an email from Mr. Cooper on XX/XX/XXXX saying my Homeowners insurance had been paid for {$760.00} and the next payment was due on XX/XX/XXXX. The {$760.00} was taken from my escrow account. Attached are the letters and email received from Mr. Cooper. XX/XX/XXXX letter stated that my insurance had expired and I needed to provide proof. The balance of the information is contained in my letter to Mr. Cooper. I sent the attached information not only on their complaint ticket system, but also sent registered mail. I also emailed my homeowner 's insurance company XXXX XXXX XXXX XXXX ) only to find out that my policy was not renewed and cancelled on XX/XX/XXXX. My home was uninsured for almost a year without me knowing. I have emailed every address I could find and called at least 6 different phone number and have not been able to speak to a live person. My mortgage payments have now increased by over {$500.00} per month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I disputed a collections debt on my account that does not belong to me I have asked for signatures and contracts but received nothing. Transunion claims it was verified but this is impossible as I did not owe or have a relationship with this collections company!! 

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681 b 2. Company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

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