vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello. On XX/XX/2023, I made a request for Equifax to fix an incorrect credit report on my XXXX XXXX account. ( I am attaching the statement from XXXX XXXX that I sent to Equifax along with my request ). 
Instead of fixing the incorrect credit report, they completely removed my XXXX XXXX account from my credit. And on top of that, my credit score went down by XXXX points. 
Now, this XXXX XXXX account shows up on XXXX XXXX and on XXXX, but Equifax just removed it from my list of accounts and it does not show up there. 
I ask that you fix my credit report and add my XXXX XXXX account back to my credit report. 
I am sorry that I need to contact your company to complain against credit companies, but especially Equifax because they are a complete mess. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX of 2016, we opened a Chase Sapphire Reserve credit card with an add-on spouse card. The reason we opened our account was the perks and benefits promised for travel. XXXX of the most coveted perks was accessibility to airport lounges through the free XXXX XXXX offered with Chase. Initially, we had no problems and really enjoyed this benefit. The annual fee was {$550.00} plus and additional {$75.00} for the spouse card. It has since gone up to {$650.00} plus the {$75.00} annually. We have had no issue with paying this high fee since we felt the perk of being able to relax in the XXXX XXXX lounges before our flights were exceptional. A few years ago, we started noticing the lounges that contract with XXXX XXXX began limiting PP members. Many times we were unable to get in due to " capacity restrictions on PP members. '' Today I went in to check PP lounges available at XXXX for an upcoming flight next week and was shocked to see there are NO Priority Pass lounges at all in XXXX XXXX. I checked XXXX, NY and a few others and there were none. However, the XXXX XXXX website has a long list of XXXX XXXX XXXX. When lounges weren't available, a backup food allowance perk at certain restaurants was given. A simple lounge search on the XXXX XXXX website shows airports with lounges but the app does not show the same list. Total bait and switch. 

I have contacted Chase several times trying to find out why this has happened without resolution. Chase is still advertising this perk with their credit card however the perk is mostly unavailable. This is a real issue for me and my spouse. We feel duped and lied to, the benefits promised have been GREATLY reduced. We feel too many credit cards began offering XXXX XXXX that the lounges put in restrictions but Chase continues to advertise this perk. 

Is there something we can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: OH

Complaint narrative:
On XX/XX/XXXX, I went to XXXX XXXX XXXX XXXX to look at a vehicle. The tech drove my car a XXXX XXXX Escape XXXX and stated that I had a transmission problem and they could have their technician would take a look at it. I showed them my drivers license. 
I drove the vehicle that I was looking at and a red engine light came on. I said no to that vehicle and drove my car home. 
I did not give my consent for the dealership to run my credit report. 
I did not give my consent for the dealership to find me a loan. 
Within three days I started receiving letters from banks stating they wouldn't loan me any money. 
XXXX XXXX  XXXX XXXX XXXX HARD INQUIRY on my credit report XXXX. XXXXXXXX XXXX -- -- -- -- -- -- -- HARD INQUIRY on my credit report XXXX. XXXX XXXX Auto -- -- HARD INQUIRY on my credit report XXXX XXXX Bank -- - DENIAL LETTER soft Inquiry XXXX. XXXX XXXX XXXX -- XXXX XXXX soft inquiry XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX -- -DENIAL LETTER soft XXXX XXXX. XXXX XXXX Bank -- XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Bank -- - DENIAL LETTER Soft Inquiry XXXX. XXXX XXXX XXXX -- -DENIAL LETTER XXXX. XXXX Bank -- -DENIAL LETTER I tried disputing all these inquiries through XXXX XXXX XXXX XXXX and Experian Credit Reporting Agency and they said I'm not allowed. I tried calling all the banks and they said no can't help you unless you have a 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 2023-06-20 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: Kriya Capital, LLC
State: NV

Complaint narrative:
I have been disputing XXXX XXXX for years now. XXXX has sold this account to other companies and I am upset about the account being sold around and each time I have to dispute it with you all. For the last time this account does not belong to me and is not mines

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: PA

Complaint narrative:
Transunion is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to XXXX to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Transunion to provide the documentation used to determine inquiry was indeed authorized by the consumer, Transunion has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. if Transunion does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Transunion Commission file number XXXX Trans Union LLC XXXX XXXX Guarantors, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Bank XXXX XXXX, XXXX Bank XXXX XXXX XXXX XXXX lead arrangers and joint bookrunners, XXXX XXXX  XXXX New York XXXX XXXX XXXX administrative agent and collateral agent, and each of the other Lenders party thereto. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX Bank XXXX XXXX XXXX New York New York XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Va XXXX i will be filing form XXXX treasury XXXX forms to audit consumers account. 
Transunion is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER 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 explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
I have called and sent letters stating this was fraud, they even had a different mailing address, after I gave them my information with mailing address that Ive had over 30 years, they are sending the bill to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: SAN DIEGO COUNTY CREDIT UNION
State: CA

Complaint narrative:
I have called three times and e-mailed three times trying to close my Checking and Savings accounts with San Diego County Credit Union. They refuse to do so. I have attempted to close the accounts all 6 times I've contacted them yet my accounts remain open. I have included pictures of the numerous times I've tried to close accounts via contacting SDCCU. I circled them in blue. You can see this has been going on for multiple months. I am also more than willing to find phone records of when I have called in the past three months to attempt to close my accounts as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21 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: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
In accordance with the fair credit XXXX XXXX act, this company has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I made the mistake of suggesting to my clients, XXXX and XXXX XXXX to pay me via Paypal.com for services in the amount of {$3000.00} and on XX/XX/2023 : I billed & invoiced XXXX XXXX for {$3000.00} through the Paypal website. The next morning on XX/XX/2023 a payment was made by XXXX XXXX to Paypal for {$3000.00} Paypal immediately deducted 3 % = {$92.00} as 'Fee ' Later on XX/XX/2023 I was able to transfer to my XXXX XXXX Account {$310.00} only because there was a hold on the remaining amount The remaining amount of {$2600.00} was put on-hold for 21 days. 
This was completely unnecessary and is to create float for Paypal to keep user 's money even though they have received money from the customer, received their 3 % fee. 
This practice must be discontinued and since given the millions of transactions flowing through the Paypal system this amounts to hundreds of millions of $ XXXX that they have access to. 
The CFPB and FTC must regulate them or sue them in XXXX XXXX to disband this practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-20 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: FL

Complaint narrative:
Good day, I've been doing my research because you keep ignoring my complaint. I was making my payments on time and I have raise this since then. you can see my credit report and I'm making payments on time but why did you ignore me even I tried to explain myself. I had XXXX back on XX/XX/2022 and I miss just one payment. please hear me out have this last reported on my 2 accounts remove that appears on my letters **CARES Act** *If you are current on payments and make special arrangements, creditors must report the account as current. 
*If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
*Late and missed payments CAN NOT be reported if you have already made arrangements. 

I HOPE THIS TIME YOU CAN START READING IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 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: FL

Complaint narrative:
Good day, I've been doing my research because you keep ignoring my complaint. I was making my payments on time and I have raise this since then. you can see my credit report and I'm making payments on time but why did you ignore me even I tried to explain myself. I had XXXX back on XX/XX/2022 and I miss just one payment. please hear me out have this last reported on my 2 accounts remove that appears on my letters **CARES Act** *If you are current on payments and make special arrangements, creditors must report the account as current. 
*If you were already delinquent on payments and you make special arrangements, your account will be reported as delinquent until you bring it back to current. 
*Late and missed payments CAN NOT be reported if you have already made arrangements. 

I HOPE THIS TIME YOU CAN START READING IT

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Garrison Investment Group
State: AZ

Complaint narrative:
I originally took out this loan with an XXXX company to get a new AC unit installed and was going to use the leftover cash if my loan was accepted for some other fixing needed. My loan applicatoin was approved and we went through with the new AC install, a few days later I was inquiring about the loan process, how I would pay it, how I would received the excess and what not. After talking directly to the AC company they told me to wait and speak with the finance company because there was nothing they could do, they receieved a certain amount and that was it, they did not receive anything else. Upon further inquiry, I learned that they received {$6100.00} from the finance company, when my loan from the finance company was {$7500.00} ( which is roughly 80 % of the total amount I was told I would get ) At this point I called the finance company and they denied all of this and played dumb and when I discussed that I knew of the amount that was paid and the amount that was still missing all they exclaimed was that 'I should not know that number ' which indicates/suggests that they know what they did and they just have not been caught before, after their refusal to make things right I decided to come here and report their company, All I wanted was my money, now it may become something bigger. The finance comapny is called Foundation Finance Company, based out of XXXX, WI XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: LA

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. 

Company name XXXX  XXXX Account Number # XXXX Company Name XXXX  XXXX Account Number # XXXX Company Name XXXX  XXXX Account Number # 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 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 2023-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello. From more than a year ago, I am not an authorized user on this account so I am attaching a PDF of it here. ( It appears only on Experian as I am still an authorized user. Both on XXXX and XXXX XXXX it does not appear whatsoever ). 
I ask that you fix my credit report. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer report ( a ) in GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! 

Accounts to be deleted : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Companies 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 explanation
Consumer complaint received 2023-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XXXX XXXXXX/XX/2023, I was applying for Wells Fargo credit card based on an offer I was sent in the mail. As I was speaking to the agent and providing my personal data for the application, I remembered I had frozen access to my credit with the XXXX credit reporting agencies. I asked agent hold while I unfroze my credit inquiry access with the reporting agencies. She agreed to hold while I unfroze the access. I was able to do this online while she was on the phone line. She checked my credit with XXXX and when she returned to the call, she said that Wells Fargo needed to get back to me is decision in the mail within XXXX business days. By the afternoon, I received an email that I was denied. My credit score before this request for credit was over XXXX and Im normally granted credit. Now understand that the first attempt to check my credit file, they said access was blocked whereas I had emails that my credit was unfrozen. Now, Ive been denied credit and have an inquiry on my credit file with a lower credit score, to boot. My belief is that my credit request was improperly accessed and evaluated. The offer sent by Wells Fargo had favorably XXXX XXXX terms for a transfer which is the reason I even made the application. I feel I was unfairly treated and desire proper consideration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: EQUIFAX, INC.
State: WI

Complaint narrative:
I obtained my credit report from Equifax and found inquiries on my report I did not authorize. These are fraudulent and not made by me, the consumer. I disputed these online through the equifax portal and was informed that they were " factual '' data and would remain on my report for 2 years. I called in and spoke to two agents who spoke poor English I could barely understand but after repeated requests to speak more slowly and as clearly as possible they informed me they could not help me to remove these inquiries. These two inquiries are listed here below : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 I filed and sent an FTC Identity theft report. and have yet to hear back from Equifax. This is clear discrimination and I demand these fraudulent inquiries be removed from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20 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: NY

Complaint narrative:
account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX  balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) 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 non-monetary relief