vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-13 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:
I reviewed my consumer report and noticed that it has been reporting late payments on several accounts that I have NEVER been late on and have always paid on time the first account number is XXXXXXXX XXXX XXXX  XX/XX/23 and XX/XX/23 Accounts reported late Also I have discovered to accounts that are closed and I have no knowledge about these accounts, the first account is XXXXXXXX XXXX  close date XX/XX/23 The second account is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX account closed. 
Third account XXXX XXXX XXXX close date of XX/XX/23

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 2024-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2023 XXXX PM XXXX XXXX train station XXXX XXXX XXXX XXXX XXXX young man approached me asking for donations for his basketball team. I didnt have cash on me but wanted to help, he mentioned he is accepting XXXX and XXXX XXXX XXXX He provided me his email address but it was long and came up invalid XXXX email address. Then the man said he can enter the email address and I without thinking, let him take my phone to enter. He proceeded to transfer XXXX to his XXXX account then ran away. The mail address he used was XXXX. 

I called XXXX immediately to inform them what happened then filed a police report the same day. The police mentioned I was the XXXX person that has come to their precinct with the same story. 

XXXX notified me on XX/XX/XXXX that there was nothing they can do given the transaction was deemed authorized. 

I understand that on paper everything looks authorized given I signed into my account to transfer this individual money. However, this is far from the truth. XXXX has access to see both XXXX accounts and if the money was transferred without the consent of the payer, there should still be some action completed against the recipient of the payment. 

Truthfully, although XXXX is a substantial amount of money, I can get by my day to day with losing XXXX, what I really want help fight for is the many other people that fell for this scam and cant pay their rent or food just because they wanted to help this young man out.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
In XXXXXXXX XXXX XXXX  I signed up for what I believed was an eligibility assessment to see what XXXX I qualified for with XXXX XXXX I believed that I would get XXXX month of enrollment at XXXX and then a quarterly charge of XXXX. Immediately after agreeing to an assessment I was charged XXXX, not the XXXX  that was advertised! I immediately asked for a refund and was denied so I contacted my credit card company who opened a dispute which they did not settle until XXXX! During this XXXX  months I was not given full access to the program as advertised and I requested a refund or credit to make up for the lost time and lack of service. XXXX XXXX denied my request stating Weve reviewed your request and will not be able to accommodate a refund, as our paid service is the medical assessment itself and not the outcome of the assessment ( per our Terms of Service at sign-up ). At this point I wasted XXXX and did not receive full service as advertised. It does not say on the website that they will charge XXXX  for a XXXX assessment it says If you want to chat with a XXXX provider, you can purchase a membership for just XXXX  for the first month, which gives you access to : Unlimited text-based visits with licensed XXXX providers XXXX Urgent Care without an appointment Flexible appointments for chronic condition management XXXX XXXX management and renewals XXXX XXXX XXXX and XXXX, including XXXX shipped to your door ( medication cost not included ) As always, no insurance needed, all on your own schedule. 
After your first month, youll automatically be enrolled in a quarterly plan ( which is {XXXX} each time ). Youre free to cancel until XXXX day before your membership renewal date. 

If you prefer, you can instead pay for a one-time virtual visit, which costs XXXX and includes XXXX week of follow-up chats. You can also download the XXXX XXXX app and use our smart Symptom Checker for free. I was denied access to full service between XXXX and XXXX because I disputed the charge. The credit card company provided no rationale for siding with the company. The company has a XXXX XXXX XXXX XXXX  They did no research and took XXXX  months to provide a resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-13 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: IN

Complaint narrative:
Subject : Request Removal of Unauthorized Hard Inquiry Under Fair Credit Reporting Act. 
Dear Equifax Credit Reporting Agency, I am writing to formally dispute and request the removal of an Unauthorized hard Inquiry on my credit report. XXXX XXXX XXXX violates my rights under the FCRA and kindly request your prompt attention and resolution to this matter. I have not authorized or initiated any credit application or Inquiry with this company and I have no affiliation or business relationship with them. Under the FCRA, Section 611 ( a ) ( 1 ) ( B ) states that consumer reporting agencies must remove any information that is found to be inaccurate, incomplete, or unverifiable. Please acknowledge receipt of this letter within XXXX days of it's receipt as required by the FCRA. I trust that Equifax Reporting Agency will handle this dispute with the utmost professionalism and in compliance with all applicable laws and regulations. I look forward to a speedy resolution in this matter and the removal of the Unauthorized hard Inquiry from my credit report. Thank you for your attention in this matter. 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: DE

Complaint narrative:
Per the FCRA as a federally protected consumer, Im now opting out of any and all authorizations I the consumer may have giving you written unwritten verbal and nonverbal per 15 USC 6802. Educational Privacy Act of 1974 15 USC 15801 AFFECTED IMMEDIATELY

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 2024-01-13 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: DE

Complaint narrative:
Per the FCRA as a federally protected consumer, Im now opting out of any and all authorizations I the consumer may have giving you written unwritten verbal and nonverbal per 15 USC 6802. Educational Privacy Act of 1974 15 USC 15801 AFFECTED IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: Paramount Recovery Systems, L.P.
State: AL

Complaint narrative:
On XX/XX/2023, Paramount Recovery added a derogatory mark on my credit report per XXXX. Upon further research, the account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately from all XXXX  credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: VA

Complaint narrative:
XXXX XXXX and Equifax knowingly engaged in the act of false reporting of account balance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: TX

Complaint narrative:
I informed Experian that they have made errors on my credit report and they have done nothing to fix it, no correspondence, Nothing!

Experian has unlawfully and willfully reported LATE payments and Utilization ( which are transactions and experiences ) to my credit and in accordance with the FCRA : 15 USC 1681a 2 ( A ) ( i ) : Exclusions - Except as provided in paragraph ( 3 ), the term consumer report DOES NOT INCLUDE - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information. 
( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors Because Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, in light of this I am confused as to why you EXPERIAN are reporting late payments and utilization from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 
As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with Maximum Accuracy. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you EXPERIAN feel that said protection is not mine to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and utilization as well as statements showing that these payments were late, and documentation authorizing you EXPERIAN to report my utilization. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! And Utilization removed! Or remove it from my consumer report altogether.

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: AR

Complaint narrative:
See previous Complaint # XXXX. Regardless of complaint closure, I continue to disagree with FMC policy of maintaining $ XXXX annually, interest free, in escrow account. FMC claims " required '', which is not true - that amount is actually the maximum they are allowed by law to retain. Policy is unethical and unfair to customers.

FMC did subsequently agree to escrow ( re ) analysis, and I worked with rep XXXX XXXX during XXXX to accomplish. I paid the monthly principal and interest due ( {$1400.00} ) on XX/XX/XXXX, to avoid any late fee or negative credit reporting, even though XXXX XXXX previously agreed to waive any late fees. There were some reasonable delays in the process due to the successive XXXX and XXXX XXXXXXXX XXXX holidays. After the escrow ( re ) analysis was completed, I promptly paid the new ( reduced ) monthly escrow amount ( {$630.00} ) on XXXX. Despite our good-faith work together, FMC improperly delayed posting the XXXX payment amounts and subsequently reported the mortgage account as negative. 

I paid the new monthly payment total amount ( principal, interest and escrow ) for XXXX  ( {$2100.00} ) on 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 2024-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
It has been about XXXX months since I have sent wells fargo a debt validation notice to which they have not responded with any of the items that I have requested in order for me to verify the debt. They continue to harm my reputation without providing evidence of such debt. This violates the fair debt collection practice act. I requested them to send me both 1. ) A copy of the contract bearing my signature. 2. ) All billing statements regarding the account

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 2024-01-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THis company experian has been the worst company by far to deal with. I can not reach them at all by phone. they refuse to properly investigate my disputes. I have sent in a letter AGAIN and have not heard from them in over XXXX days. They are incorrectly reporting this account XXXX that is negatively affecting my life greatly. Please help THEY REFUSE TO PROPERLY INVESTIGATE MY DISPUTES and are constantly delaying/not responding to me

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 2024-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a new Citibank account on XX/XX/2023 with a {XXXX bonus offer. 
I called the customer services in XXXX to see when I would receive the bonus. The bonus never posted.

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 2024-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
Sometime in later XXXX of XXXX, or early XXXX of XXXX, PayPal asked me for shipping information on products I was selling and I told them Im not selling any products, but rather I was partnering with a friend to sell a service and they seemed not to understand and then around XX/XX/XXXX I removed a card from the account and it seems they were unhappy about that. Consequently and apparently due to unsatisfactory explanations, they arbitrarily restricted my account and they are holding money that belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
In XXXX to XXXX XXXX XXXX XXXX, on XX/XX/XXXX Complaint XXXX XXXXXXXX. I received Email from XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Ombudsman on XX/XX/XXXX stating that research into my complaint was ongoing. 
But, It seems XXXX XXXX is in error, investigating a XXXX on a house in XXXX 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Account Number XXXX And, in this email, seems to think, I XXXX XXXX have something to do with this mortgage. I have never bought, nor have I ever resided in the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
XXXX XXXX this complaint is once again against XXXX and XXXX as my previous XXXX complaints this is due to identity theft fraud. These accounts were opened without my authorization. As per my previous complaints I have attached my FTC Affidavit that is notarized my identification, their previous response and also the new addition is I went and filed a police report which is also attached please again remove the accounts from my credit report and cease all communications with me. This isn't my debt. And the bank account isn't and doesn't belong to me. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-13 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: FL

Complaint narrative:
THis company TRANSUNION has been EXTREMELY DIFFICULT with handling my requests. I can not reach them at all by phone. they refuse to properly investigate my disputes. I have sent in a letter AGAIN and have not heard from them in over XXXX days. They are incorrectly reporting this account XXXX that is negatively affecting my life greatly. Please help THEY REFUSE TO PROPERLY INVESTIGATE MY DISPUTES and are constantly delaying/not responding to me

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 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
See previous Complaint XXXX XXXXXXXX. Regardless of complaint closure, I continue to disagree with XXXX policy of maintaining XXXX XXXXXXXX annually, interest free, in escrow account. XXXX claims " required '', which is not true - that amount is actually the maximum they are allowed by law to retain. Policy is unethical and unfair to customers. 

XXXX did subsequently agree to escrow ( re ) analysis, and I worked with rep XXXX XXXX during XXXX to accomplish. I paid the monthly principal and interest due ( XXXX ) on XX/XX/XXXX, to avoid any late fee or negative credit reporting, even though XXXX XXXX previously agreed to waive any late fees. There were some reasonable delays in the process due to the successive XXXX and XXXX XXXX 's holidays. After the escrow ( re ) analysis was completed, I promptly paid the new ( reduced ) monthly escrow amount ( XXXX  ) on XX/XX/XXXX. Despite our good-faith work together, XXXX improperly XXXX posting the XXXX payment amounts and subsequently reported the mortgage account as negative. 

I paid the new monthly payment total amount ( principal, interest and escrow ) for XXXX ( XXXX  ) on 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 2024-01-13 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: NY

Complaint narrative:
A notice was sent to transunion last year as attached that the report must be removed from my credit. I now have a letter from XXXX XXXX and also a deletion from XXXX  attached below to show that this has been confirmed to be removed.

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 2024-01-13 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent XXXX XXXX XXXX account # XXXX and XXXXXXXX XXXX XXXX Account 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I sent a letter on XX/XX/2023, and I was not notified of investigation status or result.

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 2024-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Good Day this complaint is once again against XXXX and Midland as my previous XXXX complaints this is due to identity theft fraud. These accounts were opened without my authorization. As per my previous complaints I have attached my FTC Affidavit that is notarized my identification, their previous response and also the new addition is I went and filed a police report which is also attached please again remove the accounts from my credit report and cease all communications with me. This isn't my debt. And the bank account isn't and doesn't belong to me. 

Thank you

Company response to consumer: Closed with non-monetary relief