vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/22 On XX/XX/22 a XXXX XXXX XXXX and XX/XX/2XXXX XXXX XXXX were reported as an inquiry to my credit report. So, I filed a police report to report this inquiry to Transunion and XXXX. XXXX removed this inquiry but Transunion refuse to remove it. I contacted Transunion around XXXX to see why they are not removing the inquiry. They said in order to remove the inquiry XXXX must filed an FTC report in order to remove the inquiry. As XXXX went by, I contact a Customer Service on XX/XX/22 about the XXXX XXXX XXXXXXXX inquiry. They told me they haven't received it even though which was confusing, but the ladies will file an investigation on what happen to the letter, so they are telling me they are waiting on my FTC report. So, I sent another FTC form that same day and I have a receipt to prove that I sent it and the post office say they should receive it on XX/XX/22. I contacted Transunion today XX/XX/22 about any updates and they told me they received the FTC form on XX/XX/22 and they say it was declined because it didn't have a date on it. Now the last time I call the rep say they didn't have it and now they had it since XX/XX/XXXX and was declined because of no date which is false because it is a date on the form. So, I'm becoming impatience and ask to speak to the supervisor, and she is saying now I need to get a letter or Form from XXXX XXXX XXXXXXXX that I have to send to Transunion now to move forward. I knew something was up and the Supervisor will not remove my inquiry. I contact them again and I told the rep you are telling me you can not removes this inquiry but according to Fair Credit Reporting Act, legally these unverified and unauthorized items must be removed. The Customer Service do not want to answer and kept saying the supervisor said we can't remove this inquiry. So, when I told him can you please answer my question yes or no, he hangs up the phone. The Transunion customer service reps did not want to help solve my issue just to only give me the run around by adding more things in order to remove my inquiry. I want to file a complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Chase Bank is using false advertising and manipulating authorized user policy and marketing to limit access to credit. I became privy to this on XX/XX/XXXX when I ( a longtime Chase Bank customer with perfect credit history ) signed up for a Chase Freedom Unlimited card. The application was denied for " signing up for XXXX credit cards in the past 2 years '' -- a falsehood ( I have only signed up for XXXX ). But when investigating this decision, I discovered that Chase Bank is manipulating authorized user policies. 

When signing up for a credit card, Chase Bank offers the option to add an authorized user, sometimes even providing bonuses to people who add an authorized user, so they can expand the liabilities of their customer base. In the fine print, they say this could affect an authorized user 's credit score. However, what they do not say is that authorized user status also LIMITS ACCESS TO CREDIT for the authorized user. This is done through Chase Bank 's XX/XX/XXXX rule, where they have a policy to deny credit card applications if the applicant has " signed up for XXXX credit card accounts in the last XXXX years '' ( direct quote from Chase Bank representatives in their lending approval department ). But in reality, they include " authorized user '' status in the XXXX credit card accounts over 2 years, limiting an applicant 's access to credit without previously mentioning that as a possible consequence of being an authorized user. This is a serious manipulation of consumer trust, because they are clearly trying to limit their liabilities ( refusing to give out new credit cards that provide incentives to customers ), while expanding liabilities for those customers through other, low-cost means ( encouraging the addition of authorized users onto customer accounts ). Moreover, Chase makes it very easy to add an authorized user to any credit card account through a simple, easy-to-access form on the website or app -- however, there is no such process to REMOVE an authorized user. So they are making it easy to increase customer liability, while making it difficult for customers to DECREASE liability for themselves. This needs to be investigated, and Chase Bank needs to be held to account and told to change their manipulative lending and marketing tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In XX/XX/2022 my wife and I ( XXXX & XXXX XXXX ) purchased a home and the mortgage was through XXXX XXXX XXXX of Texas. We have always paid our mortgage on time. 

Newrez Servicing dba Shellpoint Mortgage Servicing acquired our mortage sometime around XX/XX/2022. Shellpoint actually sent us paperwork after XXXX XX/XX/2022. 

Neither XXXX nor I have ever received any phone calls or emails stating the transfer of ownership of our home loan till Shellpoint reached out to us XXXX looking for our XXXX, 2022 mortgage payment. 

We sent our XXXX payment to XXXX XXXX XXXX of Texas which bank records show they cashed on the XX/XX/2022 - on time. 

At not time did eahtier party tell us the loan had been transferred sold or whatever? 

In any case it has since been sorted out as XXXX XXXX XXXX of Texas has since wired the money, we paind to them on XX/XX/2022, to ShellPoint. 


On the XX/XX/2022 formal demand letters were sent by Shellpoint to XXXX and I saying there was an issue on our loan and to call immediately to avoid foreclosure. I called Shellpoint after collecting the letters from the XXXX XXXX ( Certified mail ) yesterday ( XX/XX/2022 ). Shellpoint confirmed that there was no issue with the account and we are up to date and the operator also confirmed that Shellpoint had in fact received the wire transfer from XXXX XXXX XXXX. 

XXXX and I have been on the phone many hours trying to fix this issue that was caused due to the lack of communication from both XXXX XXXX XXXX and Shellpoint. 

Now we are in the process of finalizing our solar contract and new kitchen. XXXX has a late payment remark from Shellpoint, over 90 day late payment. 

I also have the samne remark and a new a new account opening showing on my credita new account opening on my credit. 

XXXX 's credit has been hit with a XXXX point drop due to the late payment remark, and mine has a number of deductions on opening a new account. 

Please note that we are not late and we never opened any new accounts with Shellpoint. 

I have reached out by phone and email to have this credit reporting issue resolved by Shellpoint and to date have not received any response. 

We have huge hits on our credit that have now made it impossible to close our financing for our new solar and our new kitchen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
WELLS FARGO AS CONFIRMED WITH XXXX XXXX XXXX XXXX  NEVADA ASK A LAWYER PROGRAM HAS A HORRIBLE REPUTATION IN ABUSE TO CONSUMERS & NEITHER THE COURTS, LEGAL AID ENTITIES, DISABILITY ENTITIES, GOVERNMENT, CIVIL LEADERS OR POLITICAL PARTIES SEEK TO REVERSE THIS ABUSE. 
FOR NEARLY 4 YEARS WELLS FARGO HAS BEEN TOLD THAT THEY ACQUIRED A MORTGAGE FROM XXXX XXXX. THAT WAS INVOLVED WITH A STRUCTURALLY DEFECTIVE PROPERTY ( XXXX XXXX ) THAT WAS REPORTED PRIOR TO EITHER XXXX FLORIDA OR XXXX NEVADA WHERE XXXX & XXXX DEATHS OCCURED. 
WELLS FARGO CONTINUED TO ABUSE THIS MTG. WITH CLAIMS OF ESCROW SHORTAGES WITH A FALSE NARRATIVE OF SLIDING NUMBERS THAT IS NOT SUPPORTED BY FACTS. 
THE MOST CURRENT FACTS IS THAT XXXX XXXX XXXX PROPERTY THAT SHOULD BE DEMOLISH WITH A DISCOUNT THAT WELLS WILL AVOID OBSERVING. THIS DISCOUNT SHOULD RESULT IN A RETROACTIVE DISCOUNT & REFUND IN ALL ESRCOW CATAGORIES FROM VALUE TO TAXES, TO COST OF INSURANCE -- -- -- -- -- -- -- RESULTING IN A HEAVTY REFUND DATING BACK TO 2018 WHEN THE DAMAGE WAS 1ST REPORTED WELLS FARGO PAYS OUT XXXX XXXX ( SEE ATTACHED ) FOR EVICTIONS TO AVOID COURT " OFF THE BACK OF OTHERS '' BUT FORCE OTHERS TO FILE LITIGATION THAT WELLS FARGO SHOULD PURSUE IN BEING FALSELY SOLD A DEFECTIVE PROPERTY. DISCLOSURE LAWS WHERE NOT PROPERLY ENFORCED FROM XXXX TO WELLS. PLEASE REVIEW ATTACHED -TO INLCUDE DISCOUNT STATEMENT FROM XXXX XXXX XXXX 
THIS INCREASE ANNOUNCED BY WELLS SHOULD BE STAY -BUT ALSO REVOACTIVELY CHANGE BACK TO WHEN THEY ACQUIRED THE MORTGAGE FROM XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS FAILED TO PROVIDE PROPER COVERAGE OF A CLAIM FILED.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX, XXXXXXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
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

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, BANKRUPTCY XXXX XXXXXXXX XXXX XXXX XXXX, has violated my rights. 
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

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Repport there are many errors in my credit score that are almost 100 points in less than a month that lowered what it has cost me so much work to upload. there are 100 or more points of my score in my report, I am up to date with my payments, I have paid some in full and my credit score has improved. Here I am attaching documents so that you can check it and repair my score because it has already been several times in less than a month and a half to download a lot and I request that it be repaired, since they will not update their data and in the meantime I keep losing and downloading every day my score and my credit. Thank you.. Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX snn. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On or about XX/XX/2022 XXXXJPmorganchase Financial was sent a contract by way of Certified mail, the negotiable instrument contract stated " I accept your offer in the amount of {$20000.00} for valuable consideration and tender this payment for the complete amount in accord and satisfaction upon redeeming this instrument ''. XXXXJPmorganchase redeemed the the instrument on or about XX/XX/2022. XXXXJPmorganchase has not honored the contract and continues to harass and Tarnish the credit of the allege Debtor and also threaten with repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I see there are 12 student loans on my credit report with all 3 credit bureaus Transunion, XXXX, and XXXX server of the loans XXXX. I only hold 6 discharged loans all with XXXX in which I have a contacted XXXX and all 3 credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold 6 loans with XXXX from from XXXX, and XXXX all discharged in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original 6 loans from XXXX and put them on my credit as new loans in XXXX as if I have 12 loans though all 12 loans have XXXX balance I dont hold 12 loans I only hold 6 I have asked XXXX to remove the duplicate loans from all 3 bureaus over the past couple of months they refuse and I also dispute with all 3 credit bureaus and sent my letter from XXXX I only hold 6 loans

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I see there are 12 student loans on my credit report with all 3 credit bureaus XXXX, Equifax, and XXXX server of the loans XXXX. I only hold 6 discharged loans all with XXXX in which I have a contacted XXXX and all 3 credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold 6 loans with XXXX from from XXXX, and XXXX all discharged in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original 6 loans from XXXX and put them on my credit as new loans in XXXX as if I have 12 loans though all 12 loans have XXXX balance I dont hold 12 loans I only hold 6 I have asked XXXX to remove the duplicate loans from all 3 bureaus over the past couple of months they refuse and I also dispute with all 3 credit bureaus and sent my letter from XXXX I only hold 6 loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I see there are XXXX student loans on my credit report with all XXXX credit bureaus XXXX, XXXX, and Experian server of the loans XXXX. I only hold XXXX XXXX loans all with XXXX in which I have a contacted XXXX and all XXXX credit bureaus filing disputes about the loans for several months they say they are accurate and they arent as I said I hold XXXX loans with XXXX from from XXXX, and XXXX all XXXX in XXXX then so how they say the loans went into default how when they were discharged in XXXX then in XXXX they reinstated the original XXXX loans from XXXX and put them on my credit as new loans in XXXX as if I have XXXX loans though all XXXX loans have zero balance I dont hold XXXX loans I only hold XXXX I have asked XXXX XXXX remove the duplicate loans from all XXXX bureaus over the past couple of months they refuse and I also dispute with all XXXX credit bureaus and sent my letter from XXXX I only hold XXXX loans

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 2022-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I called in to American Express to have my account closed and it never was. I have now been charged {$120.00} for 3 years which I would like refunded which is a total of {$370.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 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: FL

Complaint narrative:
I am filing to dispute all inaccuracies on my credit report with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My personal information was stolen in XXXX out my car. My car was broken into XXXX in XXXX North Carolina XXXX I have sent a copy of my police report to Trans union, XXXX and XXXX with a copy of my licenses and proof of address. I was recently checking my credit report since I just recently got back from XXXX I am XXXX XXXX military soon to be a veteran. I have noticed opened accounts that are fraudulent because I didn't open them that are on my credit report.. Also there are fraudulent addresses ( XXXX XXXX XXXX XXXX  XXXX XXXX NC XXXX XXXX being reported and incorrect names that I do not recognize and believe to be fraudulent. This is a list of the accounts that were opened fraudulently in my name XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.. Please delete all Fraudulent information from my credit report.

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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : XXXX XXXX, # XXXX XXXX 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 an account without 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 buy more than XXXX years. 

15 USC 1681 S-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 2022-10-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of account ( s ) below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name, Account Number : XXXX XXXX, # XXXX Account Name, Account Number : XXXX XXXX, # XXXX 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 an account without 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 buy more than XXXX years. 

15 USC 1681 S-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 2022-10-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: IA

Complaint narrative:
In XXXX I received a call from Nissan saying that if I didn't bring my account current in 60 days they would mark the payment as delinquent. I made a payment within the 60 day window and I still have XXXX delinquent marks on my credit. Please ask for the recorded audio in XXXX because the rep told me it was 60 days not XXXX. 

I called in a second time and that representative basically told me the first woman I talked to was lying. 

Because she gave false and misleading information I would like those XXXX delinquencies removed from my credit.

Company response to consumer: Closed with explanation